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Pensions and Inheritance Tax: What HMRC's New Rules Mean for Your Family from 2027
HMRC has published the detailed rulebook for bringing pensions into inheritance tax from April 2027. Including a 50% "withholding" power for executors and payment deadlines that catch families off guard.
A New Chancellor's First Budget: Why the Rumours Matter Less Than Your Plan
On 28 October, Chancellor John Healey delivers his first Budget under PM Andy Burnham and the speculation is already flying: pensions, capital gains, property taxes, you name it.
Here's the thing: last time pension cash was rumoured to be under threat, withdrawals jumped 63% in a year as people rushed to act "just in case." Some of that was sensible. A lot of it, in hindsight, wasn't because you can't undo taking money out of a pension.
Information was never the problem
For years, UK investors have sourced financial information from wherever it felt most accessible at the time.
Thinking About Working With a Financial Planner? Here Are the Questions That Really Matter
There comes a point when you want more clarity, confidence, and structure around your money. And for many people, that means speaking to a financial planner for the first time. If you’re taking that step, the questions you ask in that first conversation can shape the partnership that follows. Here’s how to make the most of it…
Why Every Financial Journey Needs a Plan
One of the most common questions we hear is:
“How much do I need for retirement?”
It’s tempting to look for a quick answer online, something like “You need £X to retire comfortably.” But here’s the truth: those numbers are averages, not your reality. They don’t know how you live, what you value, or what your future plans look like.
Diversification and Asset Allocation: Building a Resilient Financial Plan
When it comes to creating a robust financial strategy, two principles stand out: diversification and asset allocation. These concepts work hand-in-hand to help manage risk and support long-term goals.
Budget 2025: What Really Happened
In the weeks leading up to the 2025 Budget Statement, the headlines were full of predictions. Would taxes rise? Would capital gains or pensions take a hit? Speculation was everywhere.
Your Year-End Financial Checklist
Here are five year-end actions you can take to give you peace of mind during the holidays and help you to start 2026 on the right foot.
Why Choose an Independent Practice Over a Big National Firm?
If you’ve ever felt more like a policy number than a person you’re not alone.
Big financial firms are impressive. Glassy offices. Glossy brochures. A team of 72 handling "client experience". But beyond the branding and buzzwords, what you often get is process over people, volume over value, and advice that feels more generic than genuinely helpful.
Managing Money as a business owner
Being a business owner is rewarding, but it doesn't come without challenges, especially when income isn't consistent. Is your income seasonal? Does it come in lump sums once jobs are complete? These are common realities for many entrepreneurs across many different industries.
This inconsistency can make it incredibly difficult to manage your finances. How much should you be reinvesting in the business? When do you pay yourself? How do you prepare for expenses like taxes, insurance or stock?
Creating your financial freedom
Many people dream of a life where they can finally relax and pursue their passions. But between the businesses of life and the ever-present fear of running out of money, achieving financial freedom can seem like it may be out of reach.
Do you Suffer from Anchoring?
Anchoring bias can have a significant impact on our financial decisions. Find out how this can impact you!
How to talk to adult children about money
You never stop being a parent, and even your adult children may need some advice about their finances as they face new hurdles and begin thinking about their long-term goals.
The AUTUMN Budget 2024
The much-anticipated Autumn Budget was finally delivered on the 30th October, in reality it wasn't quite the fireworks show the nation was expecting.
Chancellor Rachel Reeves faced the task: filling the "black hole" in public finances while keeping her party's ambitious manifesto pledges. The solution? A plan to raise £41 billion in taxes over the next five years.
How to talk to Teenagers about money
You lay the foundations for adulthood during your teenage years, and learning how to manage your finances is a vital part of this.
How to talk to children about money
You may assume that children don’t need to learn about money until they reach their teenage years and become more independent.
The rise (and Possibly fall) of “Finfluencers”
36% of under-25s turn to “finfluencers” – financial influencers – for help with managing their wealth.
Investment Perspectives
There has been lots of noise over the past week about the stock markets and we want to reassure you that this is a normal part of investing.
Lasting Powers of Attorney
Losing capacity can be a daunting prospect, but acting early can protect your best interests