
Enjoying your happy and healthy retirement
As people are living longer, retirement planning increasingly spans multiple decades, giving a large window to prepare As priorities, health and spending needs change, review

As people are living longer, retirement planning increasingly spans multiple decades, giving a large window to prepare As priorities, health and spending needs change, review

First-time buyers are now entering the market later than previous generations, around age 33 on average Longer mortgage terms and later entry naturally lead to

Pension tax efficiency needs to be considered as it will start to fall within IHT from April 2027 Life insurance can play a valuable role

Three in five self-employed workers could be missing out on crucial peace of mind and tax benefits Making regular contributions can be more achievable and

Remortgage applications have risen sharply as pandemic-era fixed deals come to an end Shorter-term mortgage fixes are gaining popularity in uncertain interest rate conditions Landlords

Data shows that around £21.9m is paid out daily in protection claims – a 10% increase in individual claim value There are also encouraging signs

Recent data shows the UK second-quarter growth was more resilient than anticipated – 0.4% growth The latest Labour Market Overview published by ONS in August

Organisation and preparation are key to helping reduce stress throughout the homebuying journey Realistic budgeting and taking account of all costs helps avoid affordability issues
Many buyers remain positive but affordability pressures continue delaying home purchase decisions Property investors face lower profits, requiring greater adaptability in changing market conditions Multi-generational
The International Monetary Fund expects global growth to slow to 3.1% in 2026 before edging slightly higher in 2027 Despite geopolitical headwinds and trade disputes,
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JML (Financial) Associates Ltd is Registered in England & Wales. Company Number 04146750, Registered office address: 42 St Andrews Gardens, Cobham, Surrey KT11 1HG. Authorised and regulated by the Financial Conduct Authority. JML (Financial) Associates Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 195987. The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK. If you wish to register a complaint, please write to enquiries@ jmlassociates.co.uk or telephone 01932 865500. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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