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
Owning a home can create significant long-term savings when compared with renting Renters in London and Bristol are missing out the most on savings opportunities
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
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
More families now prioritise intergenerational planning, driven by record IHT receipts and policy changes Only half of advised clients have IHT solutions in place, showing
ONS data reveals the UK economy barely expanded across Q3, with the economy contracting by 0.1% in September alone The Monetary Policy Committee voted to leave Bank Rate
Buyers are willing to pay a premium for a home with a sea view One million UK homes have risen in value by at least 50%
More first-time buyers are purchasing homes later in life to manage affordability challenges Longer mortgage terms help keep monthly payments manageable but extend debt into later years
Growth forecasts rise to 1.5% this year, with steady medium-term expectations supporting economic stability and resilience Income tax, NICs and IHT thresholds remain frozen to 2031, increasing the long-term
Savills forecasts slow house price growth through 2026, accelerating sharply from 2027 as rates ease and economic stability improves Nationwide and Bank of England data
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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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