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What young investors actually want from a financial adviser
92% of Gen Z investors already use some form of financial advice. What they actually want from an adviser and how expectations differ.
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Selling your UK business: financial planning before and after
UK business sale planning: Business Asset Disposal Relief, CGT, pension contributions and financial planning in the year before and after.
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Equity release in 2026: when it makes sense and when it doesn't
UK equity release explained: lifetime mortgages vs home reversion, current rates, when it makes sense, when it doesn't, and alternatives to consider first.
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The Great Wealth Transfer: what it means for UK families
USD 74 trillion will pass between generations by 2050. CFA Institute research shows most inheritors do not keep their parents' adviser. Here is what UK families should be doing now.
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Retiring abroad: pensions, tax and healthcare for UK residents
UK guide to retiring abroad: how your pension is taxed, healthcare arrangements, residency rules and key financial planning steps.
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Active vs passive investing: which is right for UK savers?
Active vs passive investing explained for UK savers: how each works, cost differences, when each makes sense, and how most investors should combine them.
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Britain's retirement savings gap: what it means for you
Around 15 million people in the UK are currently under-saving for retirement. The Pensions Commission's interim report sets out why, and what individuals can do about it now.
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Later life care planning: understanding your options
A guide to later life care planning: the key options, funding routes and conversations to have before a crisis forces the decision.
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Market Commentary June 2026
June 2026 market commentary: UK politics, US equity highs, ECB rate pressures and what recent volatility means for your portfolio.
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The mansion tax and your estate: the deferred charge
The proposed High Value Council Tax Surcharge could create a deferred estate liability. What families with high-value homes should know.
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Business owners, large pension pots, and the April 2027 IHT changes
Business owners with large pension pots face material IHT exposure from April 2027. How to plan ahead of the Finance Act 2026 changes.
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Defined benefit pension members and the April 2027 IHT changes
How the Finance Act 2026 pension IHT changes affect defined benefit scheme members. What is changing and what to consider.
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Pension IHT and the spousal exemption after April 2027
The spousal exemption continues after April 2027 but only defers IHT, it does not remove it. What this means for couples planning ahead.
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Should I take my pension tax-free lump sum before April 2027?
The PCLS is unchanged by Finance Act 2026 but what you do with the proceeds before April 2027 can affect your IHT position.
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What happens to my pension if I die before or after April 2027?
Finance Act 2026 changes IHT treatment of pension funds from April 2027. A plain-English comparison of before and after.
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Buy-to-let in 2026: is it still worth it after tax changes?
UK buy-to-let analysis 2026: how Section 24, Stamp Duty surcharges, CGT, and the IHT changes affect returns. Individual ownership vs limited company comparison.
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Divorce and your financial plan: pensions and property
UK guide to financial planning around divorce: how pensions are split, the matrimonial home and protecting your financial position.
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How to assess your attitude to investment risk: a practical UK guide
How UK investors assess attitude to investment risk: capacity for loss, risk tolerance, time horizon, the standard risk profile categories, and common mistakes.
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I've just inherited money. What should I do with it?
UK guide to managing an inheritance: tax position, immediate steps, ISA and pension priorities and longer-term investment decisions.
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Finance Act 2026: what the inheritance tax changes mean for you
A practical guide to the Finance Act 2026 inheritance tax changes: frozen nil-rate bands, Business Relief and pension IHT from 2027.
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Business owners, pensions and the 2027 changes
Business owners face the 2027 pension changes alongside questions of business value, exit timing and the use of Business Relief.
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The order you draw your assets in retirement may need to change
Conventional wisdom said to leave the pension untouched and draw other assets first. From April 2027 that order may no longer be tax-efficient.
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What is changing for pensions in 2027
A plain-English summary of the Finance Act 2026 pension inheritance tax changes taking effect on 6 April 2027.
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The spousal exemption survives 2027, but defers more than it removes
The spousal exemption continues to apply to pensions after April 2027. What it does, what it does not, and what couples should consider.
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Pensions and inheritance tax from April 2027: how to plan
The April 2027 change pulling unused UK pensions into IHT explained: worked example showing the 64% effective rate, who is most affected, and planning options.
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Bank of England holds rates again
The Bank of England held the base rate at 3.75% on 30 April 2026. What it means for mortgages, savings and longer-term financial plans.
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Market Commentary: May 2026
A two-week ceasefire pushed the S&P 500 above 7,000 for the first time. Our review of the month and what it means for long-term investors.
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UK salary sacrifice pension cap from 2029: what changes
How the 2025 Budget salary sacrifice cap works: £2,000/year NI relief limit from April 2029, who is affected, and how to plan ahead.
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What the new pension laws mean for your retirement pot
The Pension Schemes Act received Royal Assent on 29 April 2026. Up to £29,000 of extra benefit for the average worker. What it means for you.
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Cash ISA allowance cut from 2027: what to do about it
How the April 2027 Cash ISA cut works: £12,000 allowance for under-65s, £20,000 for over-65s, the 2pp rise on savings tax, and the LISA reform plan.
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Market Commentary: April 2026
March 2026 was defined by a single event. Our review of the markets, central banks, and what it means for long-term investors.
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Inheritance Tax is rising, and more families are being affected
IHT receipts are forecast to reach £8.7 billion. Frozen allowances and rising asset values mean more families are now in scope, often unknowingly.
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Pension changes ahead: a useful time to review your plans
Six pension and tax changes are coming over the next few years. None require immediate action, but each is a good reason to step back and review.
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UK end of tax year planning checklist before 5 April
A practical checklist of UK end of tax year planning steps before 5 April: ISA, pension, CGT, dividend, gift allowances and married couple's allowances. Use them or lose them.
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UK Capital Gains Tax planning: rates, allowances and key strategies
UK Capital Gains Tax planning explained: the 18%/24% rates, the £3,000 annual exempt amount, spousal transfers, bed & ISA, and EIS deferral. Worked examples.
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Carry forward pension contributions: using unused allowance
UK pension carry forward rules explained: how to use up to 3 years of unused annual allowance, eligibility, the taper for high earners, and worked examples.
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Your ISA strategy for 2026: how the new rules change your approach
UK ISA rules change in April 2027, the Cash ISA allowance for under-65s drops to £12,000. How to think about your ISA strategy this tax year.
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How to start investing in the UK: a step-by-step guide
Set goals, understand time horizon and risk, choose between ISAs, pensions and GIAs. A plain-English step-by-step guide for first-time UK investors.
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AIM portfolios and Business Relief for UK inheritance tax planning
How AIM portfolios and Business Relief work for UK inheritance tax: qualifying companies, the 2-year holding period and Finance Act 2026.
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Do I need estate planning if I am not wealthy?
Why UK estate planning matters for everyone, not just the wealthy. Wills, intestacy, IHT, pension nominations, Lasting Powers of Attorney, explained clearly.
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UK Lasting Power of Attorney: what it is and why it matters
UK Lasting Power of Attorney explained: the two types, how to set one up, what happens without one, and why every adult over 30 should have one in place.
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Family wealth transfer after the 2027 changes
From April 2027 pension wealth falls inside the estate for IHT. What this means for families thinking about wealth transfer.
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UK tax-efficient giving: Gift Aid, payroll and legacies
UK tax-efficient giving guide: Gift Aid, higher-rate relief, Payroll Giving, gifts of shares and legacy charitable gifts.
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£3.84 trillion of UK property wealth is held by those aged 62 to 80
Homeowners aged 62-80 hold £3.84 trillion in UK property. With frozen IHT thresholds, more families than ever are now in scope. What to know.
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Director's pension contributions: how UK SME owners can save tax
How UK SME owner-directors can use employer pension contributions to save corporation tax and NI. A practical planning guide.
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Why financial wellbeing has become a business issue for UK SMEs
Financial stress in your workforce affects productivity and retention. Why financial wellbeing is now a business performance issue for UK SMEs.
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Should I pay my child's university fees? A 2026 guide for UK parents
Should UK parents fund university fees or let children take a Plan 5 loan? A clear guide to repayment thresholds, Junior ISAs and how to weigh it up.
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How pensions are taxed after death, before and after April 2027
How income tax and inheritance tax on inherited pensions interact, before and after April 2027.
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How does the UK pension tax-free lump sum work?
How the UK pension tax-free lump sum works: 25% of a DC pot up to £268,275, access from age 55 (rising to 57 in 2028), MPAA implications and risks.
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How to prepare for retirement in the UK: a 10, 5 and 1-year guide
A practical UK retirement preparation guide. What to do 10 years out, 5 years out and in the final 12 months before you retire.
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Why your pension needs regular reviews
UK pensions need ongoing care, not set-and-forget. When to review, how often, what to check, and the warning signs your pension isn't fit for purpose.
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What is cash flow planning in UK financial planning?
What cash flow planning is, the questions it answers, how it works, and why it has become more important. A clear guide for UK financial planning.
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