Over the years, pension pots can become difficult to track, making it harder to know exactly how much you have saved for retirement.
As changes to Inheritance Tax and Capital Gains Tax rules take effect, many investors may be seeking alternative ways to protect their wealth and pass more of it on to future generations
What could a new Prime Minister and Chancellor mean for your money? Ray Black and Melvyn Prior discuss pensions and inheritance tax, possible ISA changes, investment markets, gold, inflation and why investors should be careful about reacting to financial headlines before the facts are known.
Unexpected changes and new opportunities can significantly affect your financial wellbeing
Consistent saving and investing, compound growth can turn modest contributions into substantial long-term wealth
Families are now exploring ways to structure savings, investments and estate planning so that financial stability can be passed on more efficiently and effectively.
Parents and grandparents across the UK are increasingly reviewing how to protect family wealth and create lasting financial security for younger relatives.
Individuals earning £110,000 a year can face surprisingly high tax bills and may even lose valuable tax allowances
The new rules take effect April 2027, now may be an appropriate time to review your savings strategy
Many UK adults approaching retirement may be missing out on thousands of pounds due to misunderstandings about how their health affects their pension options. Research shows that two in five adults over 50 are unaware that common medical conditions could significantly increase their retirement income
Some people choose to wait until they pass away to transfer their assets to their children and grandchildren. However, passing on your wealth during your lifetime is an approach worth considering for several compelling reasons.
Money matters might not be your primary focus when a marriage ends. However, given the significant impact a separation can have on your financial wellbeing, it is crucial to safeguard your future security early on.
Planning for your retirement income is one of the most significant financial steps you will take. As we transition from our working years into retirement, our priorities naturally shift from simply building wealth to ensuring that our wealth lasts throughout our later years.
For many adults in the UK, the middle decades of life are defined by a delicate balancing act. You might find yourself building a career, raising children, and managing a household, all while keeping a watchful eye on your ageing parents.
Planning for your future requires more than saving money; it’s about having a clear, structured strategy. A well-thought-out approach ensures your hard-earned wealth serves you well in later life and keeps you in control of your financial destiny.
We happily discuss our health, our relationships, and even our most embarrassing mistakes with friends and family. Yet when the topic turns to personal finances, the room often falls silent. Money remains one of the last great taboos in British society.
Regardless of when you plan to retire, there are several key considerations that can help make the transition to life after work smoother and more manageable. Taking time to prepare in advance will reduce stress and ensure you are ready for this significant life change.
Geopolitical events are unfolding rapidly. At the time of writing, in mid-March, the course of the current conflict in Iran remained deeply uncertain.
Planning for the future of your wealth is a significant responsibility, especially when you want to protect your family and ensure your hard-earned assets are passed on smoothly.
For many investors, securing a steady stream of income from their portfolios is a common goal, whether to supplement their salary or to fund a comfortable retirement. The challenge is finding the right balance between generating cash now and protecting the future purchasing power of their wealth.
Wealth succession planning should be at the heart of your financial strategy. Discussing money matters with loved ones can feel awkward, but attitudes are shifting as more people recognise the value of open communication. Leaving your legacy to chance can cause unnecessary stress and confusion for those you leave behind.
When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security.
From 6 April 2026, the government increased dividend tax rates by 2 percentage points. The ordinary rate rose to 10.75%, and the upper rate to 35.75%, while the additional rate remains at 39.35%.
