Recent News

Planning ahead to safeguard more of your wealth

Tuesday, 07 October 2025 -

If you have accumulated wealth throughout your life, it is never too early to begin planning for the funds you need now and in the future, while also ensuring that any remaining wealth is distributed to your chosen beneficiaries as tax-efficiently as possible.

October 2025 Market Commentary

Monday, 06 October 2025 -
UK Interest Rates, Inflation, Gold Surge & AI-Driven Markets

Unlocking greater financial efficiency

Friday, 03 October 2025 -

If you consistently reach your pension annual allowance (£60,000 tax year 2025/26)—which reduces to an amount between £10,000 and £60,000 if you earn over £200,000—you could also maximise your £20,000 yearly Individual Savings Account (ISA) contributions and fully utilise your annual Capital Gains Tax (CGT) allowance. Additionally, offshore bonds offer an extra layer of tax efficiency for those earning over £260,000, where the pension annual allowance may be lowered. These options can be invaluable for effective financial planning.

Beyond the excitement of wedding bells

Thursday, 02 October 2025 -

Weddings are undeniably exciting occasions. They signify the union of two lives, the celebration of love surrounded by family and friends, and the symbolic beginning of a shared future. Nevertheless, alongside the romance and joy, weddings are also well-known for two other aspects: significant expenses and meticulous planning. From finding the perfect venue and selecting elegant attire to choosing the ideal cake, every detail demands attention.

Financial vulnerability post-divorce

Tuesday, 30 September 2025 -

Women’s incomes are often reduced by half following a divorce, leaving them financially vulnerable. New research indicates that 24% of women struggle to make ends meet, compared to just 16% of men. Nearly one in five (19%) find it challenging to cover essential expenses, a figure nearly double that of men in similar situations. This financial strain can extend into retirement, where women encounter even greater challenges due to smaller pension pots and missed career opportunities.

Growing trend among silver splitters

Friday, 26 September 2025 -

Divorce among those over 50, often referred to as “silver splitters,” is on the rise. This trend introduces financial complexities that younger couples may not face, particularly regarding property wealth. Research indicates that one in 10 (11%) couples over the age of 50 rely on property wealth, such as proceeds from selling their family home or using equity release, to cover the costs of their divorce[1].

Financial security remains a concern for retirees in the UK

Thursday, 25 September 2025 -

A new report has revealed troubling insights into the financial confidence of retirees in the UK. Alarmingly, just under half (48%) of mid-retirees feel assured that their private pensions will sustain them throughout their lives. This leaves the remaining half grappling with uncertainty, despite decades of planning and saving. The report paints a disheartening picture of financial security in retirement.

Reassessing strategies to minimise Inheritance Tax liabilities

Tuesday, 23 September 2025 -

Estate planning has always been pivotal in managing how wealth is passed on, but changes to pension rules from 6 April 2027 will reshape the landscape. Historically, pensions have served as both a source of retirement income and a tax-efficient tool for intergenerational wealth transfer.

Why six in ten millennials are struggling to save for retirement

Friday, 19 September 2025 -

Research indicates that the current life stage of millennials (those in their late 20s to early 40s) is significantly impacting their future retirement plans, as short-term financial priorities take precedence[1]. The study, which surveyed 4,000 UK adults, reveals that six in ten (59%) millennials are struggling to save for retirement. In comparison, 48% of Generation Z (ages 18-26) and 39% of Generation X (ages 41 to 56) face similar challenges.

How much do you need to retire comfortably in 2025?

Thursday, 18 September 2025 -

If you hope to enjoy a comfortable retirement when you cease working, review your pension savings now, as the amount of money you may require could come as a shock. According to the latest data, a single person now needs a staggering £43,900 annually to sustain a comfortable lifestyle in retirement, while couples need £60,600 a year[1]. These figures underscore just how vital it is to have a clear retirement strategy in place.

What is the right mix of investments for you?

Tuesday, 16 September 2025 -

Your investment mix is essential for your long-term investment success and shapes your suitable strategy. One of the core principles of investing is to diversify your savings across different types of investments (known as asset classes).

Principles of successful investing

Friday, 12 September 2025 -

It’s not surprising that the world of investing can seem complex. Investors today are confronted with ever-changing market conditions, a constant stream of news, and an overwhelming number of investment options. Navigating this landscape can feel daunting, even for seasoned investors.

Setting investment goals and timescales

Friday, 05 September 2025 -

Establishing clear investment goals is essential for achieving long-term success, as they serve as a roadmap outlining the purpose and desired outcomes of your investments. By defining your priorities, you can make informed decisions, avoid distractions, and effectively track your progress. Whether you are saving for retirement, funding your child’s education, or building wealth for future opportunities, clear objectives ensure that every decision aligns with your broader financial aspirations.

Helping your elderly parents face their financial needs

Thursday, 04 September 2025 -

Has the time come for ‘the talk’ with your parents about their money? Having the money talk with your parents could be critically important. When you were growing up, adults may have been in charge of your finances. But that was then, and this is now.

Preparing for retirement: What you need to know

Tuesday, 02 September 2025 -

The age at which you decide it’s time to take life easy is a very personal choice. When your retirement day arrives, you can toss away your alarm clock, bid farewell to your commute, and discard those restrictive business suits.

Getting your financial plan in order

Friday, 29 August 2025 -

As we enter the second half of 2025, the same familiar issues continue to affect the financial landscape. Inflation, although easing, still impacts spending power. Meanwhile, a series of stealth tax increases is gradually boosting government tax receipts. It’s a complex environment; however, there has never been a better opportunity to review and refresh your financial plan.

What to consider when taking tax-free cash

Tuesday, 26 August 2025 -
It’s important to consider how withdrawing money from your pension could affect your overall retirement income

Two-thirds of UK adults are concerned about affording care in later life

Friday, 22 August 2025 -

Recent data highlights a growing concern about the affordability of care and the maintenance of independence in retirement. Research has shown significant worries among UK adults regarding how they will finance care needs and medical expenses in later life.

Is it time to maximise your savings and investments?

Thursday, 21 August 2025 -

Nearly a quarter (24%) of UK adults mistakenly believe all their savings are tax-free, regardless of the account type or balance

Generating an income from retirement savings

Tuesday, 19 August 2025 -

Building a comfortable nest egg for retirement is an accomplishment, but the real challenge begins when it’s time to convert those savings into a steady income.

Thinking of retiring overseas?

Friday, 15 August 2025 -

Retiring abroad may appear to be a dream come true, but for some British pensioners, it could carry a hidden financial cost. If you move to certain countries outside the UK after retirement, your state pension could be “frozen.” This means you will not receive the usual annual increases granted under the triple lock system.

How can millennials save for retirement?

Thursday, 14 August 2025 -

Saving and investing early offers the benefit of time, which, when paired with a solid investment strategy, can have a significant impact on your long-term wealth.

Please be aware these articles are for general information purposes only and correct at time of printing. We will not accept responsibility for any errors made or actions taken by any readers that have acted on the information contained. Answers given are for guidance only and specific advice should be taken before acting on any of the suggestions made. All information is based on our understanding of current tax practices, which are subject to change. Always remember when investing, past performance is not necessarily a guide to future performance and the value of some investment units can fall as well as rise.

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