Preserving wealth for future generations

Starting estate planning early and implementing it in stages is desirable

Will you make the right decisions around your pension pot?

Why defined contribution pensions are even more appealing for wealth transfer

Building a reliable income stream for your golden years

Make sure you maximise your retirement income through annuity shopping

Investment bonds

How bonds' structure and tax advantages can help you pass on wealth

Missing out on unclaimed money that could be in your pocket?

£1.3 billion pension tax relief unclaimed by pension savers over a five-year period

Saving for the next generation

Taking proactive steps in securing your child’s or grandchild’s financial future

Money and divorce

Untangling your finances and navigating the financial aspects of divorce

Pension drawdown

Greater flexibility in accessing your pension funds

Cost of care in later life

Choosing the best option for yourself or your loved ones

Retirement cash flow modelling

Assessing your current and projected wealth, income and expenses

Preparing the next generation to engage with their finances

How to help with money management and financial literacy 

Key traits for successful wealth-building

Developing an investment strategy tailored to your goals 

Macro trends impacting weddings in 2023

Main pressures are rising costs and unexpected expenses from suppliers

Retirement challenges faced by women

Nearly half of women aged 50-65 plan to continue working in some capacity after reaching the State Pension age

Do our later life dreams really become retirement reality? 

Taking the necessary steps towards a fulfilling retirement

Gap in knowledge and uptake of Power of Attorney

Protecting individuals and facilitating smoother decision-making processes

Millions may have to rethink their retirement plans

More than one in ten have mortgage debt in the final decade before they retire

How much will I need to live on in retirement?

Planning for your life after work to ensure a financially secure future

How to reduce the impact of inflation on retirement income

During periods of economic uncertainty, it's advisable to reassess your retirement plan

Professional financial advice – where’s the value?

Making more informed decisions about money leads to better financial health in the long run

How to find or trace a lost pension

Total value of lost pension pots £26.6 billion in 2022

Normal Minimum Pension Age update

Essential information for your retirement planning

10 reasons to get your tax return filed now

British workers overpay £8.2bn in tax due to wrong codes

Maximising your investments in your 50s

Time to evaluate whether you need to modify your objectives or saving strategies?

Responsible asset selection

Supporting responsible practices and contributing to a sustainable future

Getting retirement ready

Key steps to achieving a comfortable retirement

Tax relief matters

How to build a bigger pension pot

Building a diversified portfolio

What is it, and why is it important?

Are we entering an investment bond renaissance?

Exploring why they are an attractive option to mass-affluent investors

How to invest after retirement

Ensure your wealth is preserved for future generations

Protecting your children and securing their future

Our health, an invaluable asset, is often overlooked or taken for granted

Lump sum vs regular contributions!

Choosing the right pension payment strategy

Using your inheritance effectively

Making informed decisions about managing the funds wisely

The importance of understanding tax-free pension withdrawals

Many over-55s are unaware that they can access 25% of their pension pot tax-free

The Gender Pension Gap issue

73% of women make only minimum pension contributions, compared to 58% of men

Price of adulthood

Financial responsibilities increase significantly after 25

Saving for retirement

A decade-by-decade guide

Bonds vs equities

Where should income-seekers turn?

Should I delay my retirement?

Delaying retirement could boost your chances of a secure financial future

Investing mistakes to avoid

Errors can have long-lasting consequences, setting you back financially

Hidden impact of inflation on savings

A closer look at a financial understanding among Britons

Adjusting your investment portfolio with age

Is your asset allocation aligned with your risk tolerance?

Articles featured in this issue:

State Pension

How much has the 2023/24 State Pension increased by?

Early bird investors

Does the early bird get the ISA worm?

More people choosing semi-retirement for a variety of reasons

Two in five over-55s plan to gradually phase out working life before State Pension age

Pensions of significant value

Welcome but unexpected changes to pension tax

Giving while living

What will your legacy look like?

Spring Budget 2023

How the changes affect pensions and taxes

Professional financial advice matters

Making informed decisions about how best to allocate your resources

I have a Will, so why do I need a Lasting Power of Attorney?

Making decisions in relation to your financial affairs, health and welfare

Financial wellbeing

More than 24.5 million people are financially disengaged

Securing an income stream for the rest of your life

Deciding what to do with your pension fund can be a complex decision

Relying on an inheritance for future financial security

50% of British adults admit to having checked the value of their parents’ property

Retirement matters

Will you have enough funds to cover your desired lifestyle after you stop working?

Principles of growing your money

Investing could help you beat inflation and build a nest egg for the future

Want to help give the younger generation a boost?

One in 12 grandparents use property wealth to support grandchildren

Passing on assets tax-efficiently

How to ensure that your wealth is preserved for future generations

Mind the State Pension gap

Knowing how much you’ll receive is vital for planning your future finances

Combining drawdown with an annuity

Enjoying a comfortable and sustainable retirement income that gives you the best of both worlds

Think of life insurance like a safety net

Make sure your dependents would have the money they’d need if you were no longer around

Gender pension gap

Gap in pension benefits between men and women widens

Building up more tax-free money in your pension

Changes present significant opportunities for various individuals

Time to give annuities another chance?

Nearly one million pre-retirees considering annuities

Articles featured in this issue:

Goals don't just happen, you have to plan for them

How professional financial advice benefits both you and your family

Rising prices can wipe years off retirement pots

How to protect your pension income against inflationary pressures

Wealth succession

Making the right preparation for future generations

Show me the money

Britons not researching their investments because it’s ‘time consuming’ and ‘complicated’

Time to retire?

Planning your finances to be sustainable for the long term is key

Critical illness cover, your questions answered

Protecting against the financial impact that a serious illness can cause 

Retirement planning

Your wealth. Your legacy

Giving retirement a second thought?

Over a third of over-55s think they will work beyond their State Pension age

Financial security and freedom

Rising prices add almost 20% to ‘minimum’ cost of retirement

Thinking about divorcing?

Protecting your assets and preparing you for going forward on your own

Cost of living crisis

Almost one in three over-55s’ mortgage repayment plans derailed

Financial bliss!

Money and finances are a common source of disagreement and stress

Cost averaging your investments

Reducing the risk of investing in volatile markets

Insurance that works while you can’t

2.5 million Britons lose at least £23,126 a year due to long-term illness

Retirement planning for every life stage

Alleviate any fear and uncertainty you might have about your financial future

Overwhelmed by your pension? 

Almost half of UK consumers find pensions information daunting 

Protecting income

7% of self-employed workers would choose to carry on working through illness or injury

Financial jargon

7 out of 10 adults are puzzled by financial matters lingo

Future wealth

Ready to start investing for your grandchild’s future?

Drawdown, annuities or both?

Make sure your retirement strategy meets your needs and goals

Articles featured in this issue:

Chancellor retains State Pension triple lock

State Pension is set for a record-breaking increase from April 2023

Don't miss the ISA deadline 

Use your tax-efficient allowance or lose it forever! 

‘Phased retirement’

Pre-retirees starting their plans but will rising living costs halt their plans?

No ‘one-size-fits-all’ protection solution

Helping you feel confident your family’s finances are secure

Menopause in the workplace

Unique retirement planning challenges women face

Taxing times

Time for a tax health check?

Time to get your retirement plans in motion?

Three in five Britons feel stressed about later life planning

Tracing old and lost pensions

Nearly half of pension holders have lost track of some of their pension pots

Millennials willing to forgo inheritance

Harder to support bigger financial commitments of older generation parents

Feeling the pinch

Women more vulnerable to cost of living crisis

Perfect storm

Major long-term ramifications for financial health and wellbeing

Show me the money

Choosing an investment style that best suits your needs

Ins and outs of CGT

Ways to potentially reduce your Capital Gains Tax liability

Planning to meet your goals

How advice can boost your financial wellbeing

What sort of lifestyle will you be able to afford?

How inflation could be impacting on your retirement plans

Impacts of climate change

Nearly two-thirds of people in the UK more concerned about climate change

Understanding pensions

A topic high up on the recruitment radar

Time to talk

Discussing Wills and trusts with adult children or dependents

Insurance that works while you can’t

Would you be able to carry on paying the bills using statutory sick pay or your savings?

Articles featured in this issue:

Working 9 to 5

More over 65s are still working than six years ago

Pension saving revolution

Auto-enrolment: celebrating a decade that has encouraged a culture of saving 

Investing for positive change

More investors align investments with personal values

Passing wealth down through the generations

Millions of retirees help out in cost of living crisis

Don’t abandon pension contributions as prices rise

Savers could miss out on thousands of pounds in retirement

Spotting an investment scam

How scammers are getting more convincing

Pensioners’ incomes

What is the average UK retirement income? 

How to maximise the value of pension savings

Mistakes to avoid when you’re aiming to build your pension pot

Doing the right thing for the planet

Four in five looking to change jobs demand green pensions

Balancing risk and returns

Bonds can play a key part in building an investment portfolio

Leaving a tax-efficient legacy

Considering the rule of seven when making financial gifts

Shrinking safety nets

More people set to dip into emergency funds

Increasing financial support for millennials 

Cost of living crisis drives early inheritance gifting

Preparing your finances for retirement 

Could market volatility and inflation mean you have to delay retirement?

Solving investor challenges

How to take less risk when investing

Reluctant to return

Millions want to stick with lockdown lifestyle changes

Navigating the higher rate tax freeze

Minimising the impact on your personal finances

Great wealth transfer 

Preparing both ‘the family’ and ‘the money’ for the transition of wealth to the next generation

Cash may not be king

Deciding whether to withdraw cash from your pension pot

Putting life on hold

Cost-of-living crisis delays homeownership, having children and retirement

Are you saving enough for retirement? 

One in six over-55s have no pension savings yet

Bringing pensions together

What to consider if you have multiple pension pots

How to protect you and your family’s future 

What kind of protection insurance do you need?

Inheritance Tax receipts reach £6.1bn

What if I could make my wealth more tax-efficient?

Bridging the gender pensions gap

Women left with half the pension pot, no matter the job

Unretirement

More over-50s returning to work amid cost-of-living crisis

Cost-of-living crisis

Britons cutting back on food and entertainment to keep cars on the road

Funding the lifestyle you want

Get your retirement plans in motion

It’s good to talk

More young adults are more engaged about money with their parents than past generations

A healthier approach to retirement wealth

Pension schemes have a critical role to play in the transition to a net zero economy

Health, wealth and happiness of a nation

Overall wellbeing still not close to being back to levels seen pre-COVID

Ten tips for first-time investors

Ready to get started on your investment journey?

When should I stop working?

How to tell whether you’re ready to retire

Never too early to plan ahead

Pension savers struggling to save enough for their later years

Bank of grandma and grandad 

Older generation using the wealth held in their property to help younger generations

Mind the retirement gap

Four out of five workers not saving at levels which are likely to deliver an acceptable standard of living in old age

Reevaluating the role of work

Preparing your finances for a career break 

Self-employed extremely vulnerable to loss of income

81% aren’t seeking financial advice

Later life and financial wellbeing

More than one-million over-60s are rethinking later life plans

Pension booster 

Mistakes to avoid when you’re aiming to build your pot

Adult social care charging reform

What will the government’s proposals mean for the social care system?

Improve your financial life

Setting a financial New Year’s resolution you’ll actually keep

Beyond profit

How green is your pension?

Get ready to beat the ISA deadline

Time to give your financial future a boost?

New Year’s tax saving resolutions

Make full use of your relevant tax planning opportunities

Time to bring your pensions together?

3.6 million Britons have lost track of their pension savings

It may be time to invest your cash

Is your wealth protected from the damaging effects of inflation?

How much income will you receive from your State Pension?

Knowing what to expect can be an important part of planning for life after work

Create a better world to live and retire in

Pension investments to harness a more sustainable planet

The importance of financial protection 

Millions battling with financial hardship, relationship stress and sleepless nights

Across the generations

Pandemic forces people to reassess their finances

Mind the pension gender gap

Women are being urged to think about their long-term savings

Could equity release fund your future?

Freeing up funds or releasing money tied up in your home

Missing midlife workers

Redundancy pushes over-50s out of the workforce

What’s your magic number?

Keeping up your current lifestyle and enjoying your golden years

Live sustainably: how to be a conscious consumer  

The everyday choices we make all have impacts on our planet

Saving for a rainy day

What’s the right emergency fund amount for you?

What matters to you?

What you want your wealth to achieve will be unique. It may involve your family, your business and other interests - as well as the social or environmental causes you are passionate about. We can help you achieve the financial future you want for you and your family – please contact us.