Will IHT reform affect your pension?
Pensions can be a powerful way to pass wealth on to your family in a tax-efficient manner. Under current rules, most defined contribution pensions are not counted as part of your estate for
Category: IFA News
The confidence gap in pensions advice – and how we’re closing it
A recent survey by Retirement Review found that only a small proportion of people in the UK “strongly trust” financial advisers. Sadly, within our profession, that trust has been eroded over the years
Could you now afford a home thanks to new mortgage rules?
The Chancellor, Rachel Reeves, has announced major changes to mortgage lending rules as part of the Government’s wider reforms to boost homeownership. These changes could open the door for more first-time buyers, but
Is all debt bad debt? Using borrowing to build healthier finances
Debt is often viewed in a negative light, and for good reason. It can lead to stress, reduce savings and create long-term financial pressure. However, not all borrowing is harmful. When used with
Looking to retire early? Here is what you need to consider
Retiring before you reach State Pension Age (SPA) is possible, but it takes careful planning. The earlier you stop working, the longer your money needs to last, and the more pressure it puts
The rise of AI – Why you should not trust a robot to invest your money
Artificial intelligence (AI) is becoming more common in the world of finance. From chatbots to investment tools, many services now use AI to offer guidance. However, recent research shows that it might not
Liberate your pension – Why withdrawing part of your fund after 55 makes sense
If you are aged 55 or over, pension freedoms give you more control over your retirement savings. Since 2015, anyone with a Defined Contribution pension can take money out in several ways, as
Beware of “greenwashing” when investing your cash
Green investing has soared in popularity. Sustainable investing continues to attract UK investors, with sustainable equities drawing £12.05 billion in 2024. Additionally, 64 per cent of British consumers are willing to pay up
How much do you need in your emergency fund?
Emergency savings can be the financial buffer that stops short-term shocks from turning into long-term struggles. However, according to the Financial Conduct Authority (FCA), one in ten people in the UK have no
Are forgotten subscriptions draining your finances?
Research from Citizens Advice has revealed that than 13 million UK adults (around 26 per cent) have accidentally taken out a subscription in the past year. These range from fitness apps to food