Dive into ’25 on top of key tax changes

A few months have passed since the Autumn Budget, a significant milestone for the Labour government. A comprehensive set of measures impacting individuals and businesses were announced, featuring £40bn in tax increases. Key announcements involved Inheritance Tax, Capital Gains Tax, domicile status, VAT on private school fees, Stamp Duty and Income Tax thresholds.  Continue reading

Nurture your financial wellbeing in 2025 – get your life plans in place with smart planning 

As we step into 2025, now is the perfect time to set your financial plans in order.  Continue reading

Take steps to avoid a retirement overspend

A fifth (20%) of respondents to a survey* have consistently spent more than they expected to during their retirement so far. Moreover, 11% of the over-55s surveyed also said their overspending had occurred early on in their retirement.  Continue reading

Advisers play a ‘pivotal role’ in later-life planning

People who have sought financial advice are more likely to have taken action to prepare for later life and the transition of wealth, research by Canada Life has revealed.  Continue reading

Tips for ‘first time buyers’ 

Looking to get on to the property ladder? We know it can be a bit intimidating with all of the new terms and complex deals. But, as a first time buyer, savings are totally possible if you know what you’re doing and have the motivation to succeed.  Continue reading

First steps to handling divorce proceedings 

As the festive season gives way to the post-Christmas comedown, divorce season moves up a gear.  Continue reading

How to deal with debt in a divorce

People in debt can get divorced, but will need to agree a plan or make a formal financial settlement to pay off what they owe.  Continue reading

UK shifts from ‘rainy day’ saving to ‘sunny day’ fun – as attitudes towards money are changing

A recent poll of 2,000 adults found that 36% adopt a “you can’t take it with you” approach, preferring to spend their cash while they can, rather instead of saving it for emergencies.   Continue reading

Have confidence in your financial goals

Having confidence in your financial goals can make things easier.  Continue reading

FCA finds two-thirds of young investors take less than 24 hours to make investment decisions

Latest research from the FCA reveals that young investors are making important investment decisions in a matter of hours, rather than taking the time to check out whether the product is right for them in the long-term.   Continue reading

Don’t fall into the pension pay gap

It’s vital that women don’t fall into the pension pay gap that affects them much more than men.  Continue reading

How long will you live in your retirement years? 

Around one in three people aged 60 today will live into their 90s, and around one in seven people will reach 100. Will their retirement funds see them through? .  Continue reading

Consolidating investments for peace of mind

With multiple investments causing an administrative headache, and some of them held in higher risk products, a client living in Saddleworth* needed advice on his investments, and to simplify matters. The goal was peace of mind.  Continue reading

Wealth planning for the future

Achieving any retirement goal requires planning. It doesn’t just happen. Thats why Wealth Planning is so important.  Continue reading

It’s never too early to start saving into a Pension

Since it’s unlikely that the State Pension alone will provide you with an affordable retirement, it’s important to plan out additional sources of income for your retirement years.  Continue reading

Cutting through financial jargon

Understanding pensions, investments and mortgages is hard enough without overly technical words. We think cutting through financial jargon is essential to help people make the right choices and plans.  Continue reading

Half of over 55s never talk to loved ones about retirement finances

Many people are approaching retirement without talking to anyone about the retirement lifestyle they want and whether they’re on track for it  Continue reading

Autumn retirement round-up

Several retirement reports have hit the headlines recently with a consistent message: if you want a comfortable retirement, you should plan early and be flexible.  Continue reading

Majority of adults are not confident they’ll have enough money in retirement

New research from Nucleus’s Retirement Confidence Index has revealed that the majority of adults are not confident they will have enough money to live comfortably in retirement  Continue reading