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These articles help you understand your financial needs and aspirations
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What's on Your Financial to do List for 2026?
Welcome to our first issue of the new year. Have you set your New Year's financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track. Life is rarely static. In a climate of economic change, keeping your financial plan relevant is more important than ever. If you've experienced a significant life event, such as inheriting money, selling a business or separating from a partner, on page 08, we discuss why it's vital to consider how it can impact your finances. A plan that was suitable last year might no longer fit your current situation.
Don't miss the deadline for Individual Savings Accounts
Have you fully utilised this wrapper that shields your savings and investments from tax?
Time to boost your retirement fund
Maximise your pension planning before the end of the 2025/26 tax year
What’s on your financial to-do list for 2026?
Why keeping your financial plan relevant is more important than ever
Safeguarding your future
Without a sufficient financial buffer, an unforeseen health issue could be catastrophic
Don’t let your pension funds disappear
How financial awareness can protect your hard-earned retirement savings
Leaving your financial legacy
Planning your inheritance to transfer wealth to the next generation
Navigating the Autumn Budget 2025
Frozen thresholds and new caps reshape the financial landscape for savers and investors
Decoding recent pension changes
Staying informed and maximising available tax benefits for a comfortable retirement
Smart strategies for investing in your 50s and beyond
Making sound financial decisions this decade is crucial to securing a comfortable future
What a weaker sterling means for your money
Impacts on living costs, mortgage, holiday funds, savings and investments
Stealth tax catching high-earning pensioners
Navigating this requires careful planning to ensure you maximise your earnings
Mastering your money
Time for a financial refresh for the New Year
A new era for pension inheritance
The inevitable shift in the approach to intergenerational wealth transfer
How to spot the con
Recognising sophisticated investment scams targeting your savings
Is it time to gift smart?
Reducing your estate's Inheritance Tax liability for your loved ones
Are you making the most of your ISA?
How to grow your savings beyond cash accounts
Shaping your investment timeline
Why waiting for the ‘perfect’ moment in the market might cause you to miss valuable opportunities
Building a resilient income portfolio
A fundamental aspect of prudent financial planning
UK tax allowances: Are you making the most of your money?
Proactively managing your allowances can help you maximise your savings and investments
Growing a successful company requires more than just a great idea
How to safeguard your business, diversify investments and plan for a prosperous retirement
Financial wellbeing
Your pathway to a healthier, happier life
£100k annual retirement dream
Are young people's expectations realistic?
The unseen gap
Why do some women experience poverty in their retirement?
Chasing the sun over security
Some Britons prioritise immediate pleasures over long-term financial security
The longevity challenge
Planning to make sure your retirement savings last
City Capital Financial Planning - Quarterly Market Commentary - June 2025
This commentary covers the significant challenges faced by the global economy during March, April, and May 2025, shaped by a complex interplay of policy decisions, trade tensions, and fluctuating market conditions. A major influence during this period was President Trump’s sweeping tariff measures, which disrupted global trade relations by imposing considerable pressure on export-reliant industries. These tariffs not only altered supply chains but also intensified inflationary pressures in certain markets, compelling businesses to reassess their strategies for maintaining competitiveness amidst rising costs and reduced demand.
City Capital Financial Planning - Quarterly Market Commentary - March 2025
Welcome to the March 2025 issue of our Quarterly Market Commentary.
Global markets displayed mixed performance from December 2024 to February 2025, shaped by various macroeconomic factors, adjustments in monetary policy, and geopolitical developments. Similarly, UK markets experienced a range of outcomes during this period, influenced by economic challenges, monetary policy shifts, and overarching global uncertainties.
During this period, the FTSE 100 showed resilience. However, this optimism was tempered in early 2025 as political uncertainties regarding key domestic policies increased market volatility. In February, the Bank of England reduced interest rates to 4.5%, halved its UK growth forecasts for the year, and cautioned that households would face renewed pressure from rising prices.
Enhancing Pension Contributions for a Brighter Future
Welcome to our latest issue. As we embark on the new tax year, on page 08, we consider why reviewing your pension savings strategy presents an opportune moment, setting a solid foundation for future financial stability. Early attention to your private pension at the onset of the fiscal year is not just about cultivating beneficial saving habits; it's also about ensuring you take advantage of the benefits and allowances available to you.
Britons procrastinate on making a Will
Research identifies that over half of adults do not have a Will
Looming pension pitfall
£50 billion of hard-earned pension funds could be in jeopardy
Costs of later-life care
Establishing a thorough wealth strategy is key to ensuring financial readiness
Changes to Individual Savings Accounts in 2024
Why savers and investors now have a more flexible approach
Enhancing pension contributions for a brighter future
New tax year, new you? Maximise your pension savings this new tax year
Navigating Inheritance Tax
How to pass on assets to the next generation to secure their future for tomorrow
Rising trend of unretirement
14% of those aged over 55 have found themselves re-entering the workforce
Prudence of perseverance in investing
Maintaining an investment stance centred on the potential for long-term growth
Enhancing retirement through lump sum contributions
Contributing additional amounts to your pension stands to benefit you significantly in the long term
Understanding pension uncertainties
Survey highlights prevailing uncertainty among those on the cusp of retirement
Generational wealth perspectives
Whether through property, pensions or a blend of both, informed decision-making is crucial
New pension tax framework
Pivotal shift changes you need to know commenced from 6 April 2024
Troubling trend amongst UK workers
Prevailing issue of presenteeism highlights a need for a transformation in workplace culture
Unveiling the core principles of investing
Timeless beacons guide investors through periods of market volatility towards financial prosperity
Mind over matter
How behavioural investing can shape financial futures
Strategic reinvestment of State Pension increases
When transferring into a personal pension may make sense
Unique insight into the current attitudes towards pension investment
Prevailing concern among savers regarding their capability to make informed investment decisions
Employee preferences in Workplace Pension selection
Complex landscape of employee preferences, confidence and skills
Overcoming the gender investment disparity
Critical insights to empower women to take the reins of their financial destinies
UK retirees confronting pension shortfalls
Many regret not having commenced their savings journey earlier in their careers
Reliance on Defined Benefit pensions among over-50s
Diverse avenues through which individuals plan to supplement their retirement income
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