Writing a Will provides greater certainty, helps prevent potential family disputes and gives you peace of mind.
Without a clear plan, you could reach retirement and realise that the lifestyle you imagined is more expensive than your savings can support.
Ray Black and Melvyn Prior explore the questions behind the headlines on pensions, tax and care—what they could mean for your retirement, your choices in later life and your family’s inheritance.
‘Normal Expenditure Out of Income’, the exemption allows qualifying regular gifts to be made without waiting seven years for them to fall outside the IHT calculation
For some, leaving a career can bring a sense of loss or uncertainty, particularly if work provided structure, social connections and clear goals.
Chancellor John Healey delivers his first Autumn Budget on 28 October 2026, the government faces a difficult balancing act.
Many families unknowingly reduce the wealth passed on to loved ones by overlooking key exemptions, misunderstanding gifting rules, or failing to plan early enough
Some of the conversations that matter most, about ageing, loss of capacity, responsibility and ultimately death, are often the very discussions we avoid
Around 15 million people are not saving enough for retirement, and a further 18 million are saving nothing at all!
Many people focus on protecting their home, car, etc, few consider what would happen if their income suddenly stopped.
Over the years, pension pots can become difficult to track, making it harder to know exactly how much you have saved for retirement.
