Putting financial plans in place for retirement can often feel overwhelming and navigating the complexities of the pension system can be daunting for many. With further changes to an extremely complicated system recently announced, it’s never been mo…
Jeremy Hunt delivered the Autumn Budget yesterday against a backdrop of a cost of living crisis and a looming general election. The economic situation and outlook remain challenging and government finances relatively tight. Despite inflation falling…
Adult children are increasingly banking on the financial support of their parents, but older generations must not lose sight of their own needs. If only all banks were as charitable as the Bank of Mum and Dad. Parents and grandparents handed over ne…
The Chancellor presented a ‘back to work’ budget focused on encouraging the economically inactive population to return to work with major changes to pensions and childcare funding announced. Fortunately, the economic outlook is not as dire as predict…
People in the UK still have good saving habits, with 8 out of 10 households managing to put away at least something every month. But low interest rates and an aversion to risk have left many losing money to inflation. Can a nation of savers learn to…
If you’ve been named as a beneficiary in a will, you’ll have plenty to look forward to – and lots to think about. When will you inherit? How much will it be? Will there be any tax to pay? And how can you make best use of your inheritance. Both your s…
A decision on your pension can take only a moment, but you might have three decades to regret it. New market figures suggest that many people just aren’t giving this process the necessary attention, and could be damaging their retirement prospects. Y…
Ready to set sail for pension freedom? Then watch out for those rocks. There are more ways than ever to get the kind of retirement you dream of – but for a whole generation these are uncharted waters. Here are seven reasons why you may need an expert…
Did you know that we lose most of our savings through our heads? That’s right – because we don’t think about how much unnecessary tax we’re paying. Here are some ways to make sure your money is wrapped up tight, to keep out those (over) draughts. If your …
Is inheritance tax (IHT) still a thing? Yes, very much so. You may have heard the recent rumours of its death, in light of the government announcing a new ‘family home’ additional allowance from April 2017. This is a bit fiddly (from 2017 it will add £100,…
An intriguing new savings product has appeared on the horizon: the Lifetime ISA. Allowing tax-free saving with bonuses, both for a home and for retirement, it sounds similar in some ways to a pension. But what are the key differences?…
If we could have up to £432 for filling out a simple form, we’d all do it wouldn’t we? Well, apparently not. The marriage allowance is a tax break for married couples who meet the criteria but this has had a very poor take up. Some reports suggest that …
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