Kick off 2026 on top of your tax numbers
Start thinking about making the most of tax-efficient opportunities before the end of the 2025/26 tax year You can contribute as much as you like into your pension, but there’s a limit on the amount of tax relief you will receive each year You can make gifts worth up to £3,000 in each tax year, these gifts will be exempt from IHT […]
Make life insurance a New Year priority
Life insurance offers essential protection for loved ones when you are no longer around More assets are subject to IHT, so life insurance can help reduce your tax liabilities Reviewing policies in 2026 ensures cover remains effective, tax-efficient and aligned with evolving personal needs As 2026 kicks into full swing, sorting out your life insurance policy may […]
Future ready: Tune into Budget changes now
“The Chancellor is relying heavily on tax rises towards the back end of the parliament” Income Tax thresholds will remain unchanged until at least 2031, so more earners will be in higher tax bands The basic Dividend Tax rate will rise to 10.75%, while the higher rate will increase to 35.75% Now the dust has […]
Investing in 2026: Opportunity ahead in a changing world?
Investors approach 2026 cautiously as inflation, trade tensions and geopolitical risks continue to shape global market conditions The IMF predicts global growth of 3.1% this year, but some regions and sectors may outperform others Diversification will be key amid 2026’s evolving landscape – make sure to balance suitability with long-term growth opportunities After a year of uncertainty, with […]
Looking ahead: A new year, a clear plan
As 2026 begins, thoughtful financial planning remains essential for navigating change and securing long-term goals. Reviewing investments, tax strategies and pensions ensures your financial plans stay aligned with changing circumstances. Now is the perfect time to take stock and start the year with a clear financial plan. We’d like to take a moment to thank you for your […]
Planning with purpose in 2026
Providing for family is the strongest motivator for UK adults when it comes to financial planning. Find a balance between what you value, what you need and what gives you a sense of purpose. Mental wellbeing plays a vital role in financial confidence – we’re here to help you define your financial purpose. As we welcome 2026, it’s the […]
It’s that time of year again – consider your end of tax year planning
Consider using ISA and pension allowances before they reset to maximise long-term, tax-efficient growth Reviewing CGT, dividend and gifting allowances now could reduce unnecessary tax liabilities Early planning helps protect wealth, improve cash flow and avoid rushed decisions before the tax year ends As the end of the 2025/26 tax year approaches, it’s the ideal time to ensure you’re making the most of tax-efficient […]
Personal pension age change delays access to savings
From April 2028, pension access rises to 57, impacting those born after April 1973 Early pension access will be limited to those with ill health or protected pension ages Many are worried about the upcoming change, so seek advice and review your plans A two-year increase in the normal minimum pension age could impact retirement planning for […]
When gifts backfire
Gifting can reduce IHT, but poor record-keeping could cause the exemption to be rejected Gifts with reservation (e.g. continuing to benefit from gifted assets) often trigger unexpected IHT bills With frozen thresholds and pensions joining IHT, careful planning is more important than ever With pensions set to join the list of assets liable for IHT, for many families, […]
Life insurance – time to redress the gender gap
Women are less likely than men to hold life insurance or understand its benefits Many women have not been educated about life insurance and believe they can’t afford it Life insurance provides financial support to loved ones if the policyholder dies during its term Women are falling through the cracks when it comes to life insurance. According to a […]
