Articles and updates on financial planning
Clear, practical summaries on investing, retirement, tax and the wider economy, with PDF fact sheets where available.
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Spring Forecast 2026
Our summary of the Spring 2026 economic forecast and what the OBR's latest projections could mean for personal finances, pensions and savings.
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Autumn Budget Statement 2025
Rachel Reeves' second Budget brought targeted tax changes, frozen thresholds, a significant shift on Cash ISAs and a future cap on pension salary sacrifice. Here is what was announced and what it may mean for your finances.
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Quarterly Market Commentary — September 2025
A complex summer for global markets: stabilisation after tariff shocks, fiscal concerns in focus, and a mixed picture from the UK to Japan.
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Long-Term Investing: Why Time in the Market Matters More Than Timing It
Many investors hold back waiting for the right moment to invest. Here is why that instinct tends to backfire, and what a long-term investment approach actually looks like in practice.
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Pension Lump Sum Decisions: What You Need to Know
Research shows that many people are accessing pension savings without fully understanding the tax and benefits implications. Here is what to consider before making a withdrawal decision.
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Using Onshore Bonds for Inheritance Tax Planning
As awareness of intergenerational wealth transfer grows, onshore bonds are attracting renewed interest as a tax-efficient tool for estate planning. Here is how they work and where they fit in.
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Bridging the Financial Gap Across Generations
Talking about money with older relatives is rarely easy, but the conversations are worth having. Here is what to consider and how to approach planning for the whole family's financial future.
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Avoiding Common Investment Pitfalls
Recognising the most common investment mistakes is one of the best things you can do to protect your wealth. Here is what to watch out for and how to stay on the right track.
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Using Life Insurance to Ease an Inheritance Tax Burden
Whole of life cover is one of the most practical and often overlooked tools in estate planning. Here is how it works and how it can help protect your family from an unexpected Inheritance Tax liability.
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Navigating Market Uncertainty
Market volatility is an unavoidable part of investing, but it does not have to derail your long-term plans. Here is how to build and maintain an investment strategy that holds up when conditions are difficult.
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Ten Years of Pension Freedoms
A decade after pension freedoms changed how people access their retirement savings, research reveals that many are making significant decisions without proper advice — and facing the consequences.
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Is It Time for a Financial MOT?
A regular financial review is one of the most effective things you can do to keep your plans on track. Here is what a financial MOT covers and why it is worth doing.
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How Much Is Enough for Your Retirement?
There is no single answer to how much you need in retirement — but there are clear steps to get a realistic picture of where you stand and what you need to do about it.
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Talking to Your Children About Investing
Financial literacy is one of the most valuable things you can give a child, yet it is often overlooked. Here are some practical ways to introduce the ideas of saving, investing and long-term thinking.
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Passing on Wealth Through Trusts
Trusts have been used for centuries as a way to pass on wealth with care and control. Here is how they work, when they might be the right tool, and what to consider before setting one up.
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Setting Retirement Goals and Getting Your Contributions Right
The most effective retirement plans start with a clear goal, not a generic rule of thumb. Here is how to define what you need and make sure your contributions are moving you towards it.
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Planning the Retirement Lifestyle You Actually Want
Retirement planning works best when it starts with a clear picture of the life you want to live. Here is how to connect your financial planning to your personal goals.
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Preparing for Retirement: Practical Steps to Take as the Date Approaches
The years immediately before retirement involve some of the most important financial decisions you will make. Here is what to review, check and consider as you approach the transition.
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