Trusts for estate planning: what, when and how?
How trusts can assist in organising family wealth and safeguarding future generations Trusts have been utilised for centuries to manage and safeguard wealth, yet they remain among the least understood aspects of estate planning. Although often seen as complex or reserved for the ultra-wealthy, a trust is simply a legal arrangement that separates ownership from […]
Early retirement: benefits, trade-offs, and realities
Weighing freedom, finance and fulfilment before stepping away from work early For many, the concept of early retirement represents the ultimate reward for years of hard work: more freedom, less stress, and time to enjoy life while remaining in good health. It offers the chance to pursue passions, travel, volunteer, or simply reclaim time for […]
Secrets of calculating a wealthy retirement
Why understanding your numbers early can greatly influence your future lifestyle As life expectancy increases, retirement periods are lengthening, making careful and proactive planning vital. For many people, retiring by 2025 could mean funding 25 to 30 years without a regular income. Such an extended period presents unique challenges, including inflation, market fluctuations, healthcare costs, […]
Retirement planning for high-income earners
Understanding key pension limits and alternative methods to build long-term wealth The pension landscape for high-income earners has become more intricate. Frequent rule changes, tapered allowances, and strict contribution limits make it harder for higher earners to save effectively for retirement without risking unexpected tax charges. Managing annual allowance rules, carry-forward options, and lifetime considerations […]
Six ways to reduce Inheritance Tax bills
How can careful planning help you safeguard more of your wealth for future generations? Inheritance Tax (IHT) can significantly affect your estate’s worth. From April to August 2025, HM Revenue & Customs collected £3.7 billion in IHT, which is £0.2 billion more than the same period last year[1]. Although the current rules may seem complicated, […]
Pension recycling
Why it’s essential to consider your next steps and avoid falling foul of complex rules Every year, thousands of savers take advantage of pension freedom rules to withdraw tax-free lump sums from their pots. With speculation circulating before the Autumn Budget that these lump sums might be reduced or abolished, some savers are choosing to […]
Navigating investment risks in retirement
Financial challenges that could impact your income and lifestyle during your golden years Retirement signifies a fundamental shift from accumulating wealth to utilising it. After years of saving and investing, this new phase demands a different mindset, one focused on capital preservation, risk management, and sustainable income over many decades. Instead of pursuing maximum returns, […]
A third of UK adults have voluntarily increased pension contributions
Even small top-ups or one-off payments could accumulate to thousands in future retirement savings Nearly a third of adults in the UK are now contributing more than the minimum into their workplace pensions. Research shows that 31% of people have voluntarily increased their regular pension contributions, while one in ten have made additional one-off payments […]