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How can I reduce the impact of Inheritance Tax on my estate?
Chancellor John Healey delivered his first Budget recently, and for anyone worried about Inheritance Tax (IHT), the headline was a quiet one. There were no ...
How can I protect my family from unexpected financial shocks?
Most families plan for the costs they can see coming, such as the mortgage, the weekly shop, school uniforms and the summer holiday. These are ...
How do I know if I’m saving enough for retirement?
Many people paying into a pension have no idea whether it will be enough. Plenty assume that paying in the minimum amount on their workplace ...
What role should cash savings play in a wider investment plan?
Saving your cash feels safe. You can see the balance, it doesn’t lurch up and down with the markets, and you can reach it whenever ...
How do I build a financial plan that adapts to life’s changes?
Many people create a financial plan once, file it away in a drawer and only look at it again when something goes wrong. That approach ...
How can I make sure my family is financially protected after I’m gone?
Nobody enjoys thinking about their own death. So, it’s easy to put off the practical steps that will protect your family when you’re no longer ...
How do I balance my short-term needs with my long-term wealth goals?
When it comes to money, most of us juggle two versions of ourselves. There’s the version who wants a decent summer holiday, a new kitchen ...
What are the biggest risks to your retirement lifestyle?
When it comes to planning your retirement, building a decent pension pot is only half the job. Once you’ve done the hard work of saving, ...
What should I consider before making big financial decisions?
Releasing equity from your home, transferring a pension, investing an inheritance or retiring earlier than planned all share one thing in common. Get them right, ...
How can I protect my retirement income from inflation?
Many people planning for retirement think hard about how much they need to retire but spend far less time thinking about how that income might ...
What is cash flow modelling, and how can it help with my financial planning?
Like most people, you probably have a rough sense of what you’d like your retirement to look like. Perhaps you want to stop working at ...
The key tax changes for 2026/27 and what they mean for your finances
A new tax year usually brings in a fresh set of rules, and 2026/27 is no exception. In fact, this year sees several significant changes ...
The pitfalls of DIY tax planning: Five common mistakes to avoid
Tax is one of those areas where many people feel quietly confident. HMRC’s online tools are reasonably user-friendly, there’s no shortage of guides and forums ...
How long does my pension need to last?
Most people spend years focused on building their pension pot. They check their balance, increase their contributions when they can, and hope their investments perform ...
What is intergenerational wealth management, and why does it matter?
Most people spend decades working hard, saving carefully and building up assets. A home, a pension, some investments, perhaps a business. But when it comes ...