The main highlights from the Chancellor’s Autumn Budget 26TH | NOVEMBER | 2025 Introduction The Chancellor delivered the 2025 Autumn Budget at
As retirement approaches, ensuring financial stability becomes increasingly important. One of the key factors in achieving this is managing and reducing debt.
As you approach retirement, it’s crucial to recognise that the last five years leading up to this milestone are perhaps the most
In the UK, the average life expectancy is currently 81 years old. However, the current retirement age is 66, and is set
26TH | MARCH | 2025 Economy The Office for Budget Responsibility (OBR) has halved the UK growth forecast for 2025 from 2% to 1%.
Planning for retirement involves careful consideration of how you’ll generate income to support your lifestyle once you stop working. With increasing life
Introduction Preparing for retirement is a pivotal phase of life that requires careful planning, strategic decision-making and a comprehensive understanding of your
Understanding the true cost of not seeking financial advice is crucial in navigating today’s complex financial landscape. Whether it’s planning for retirement,
The UK new state pension, introduced in April 2016, replaced the previous basic state pension system and additional state pension schemes (such
Planning for retirement involves not only accumulating savings but also strategically using those savings to provide income throughout your retirement years. For
Summary of the Chancellor’s autumn budget 30th October 2024 Taxes National Insurance contributions for employers will increase from 13.8% to 15% from
Introduction Recognising a pension shortfall early can be the key to securing your financial future during retirement. As you navigate through the
Introduction Building a pension pot is a vital step towards securing your financial future for your retirement. With changing economic landscapes and
Summary of the Chancellor’s Spring Budget Taxes National insurance contributions cut from 10% to 8% for employees. Self-employed national insurance rates cut
Autumn Statement 2023 On the 22nd November 2023, The Chancellor of the Exchequer, Jeremy Hunt announced the Government’s autumn statement. Prior to
Three tips for passing your pension on to your loved ones Do you consider your pension an asset in the same way
Spring Budget Summary 2023 ENERGY PRICES / BILLS The energy price guarantee will remain at £2,500 for a further 3 months. Fuel
Autumn Statement 2022 STABILITY, GROWTH & PUBLIC SERVICES On the 17th November 2022, Chancellor of the Exchequer Jeremy Hunt announced the Government’s
Mini Budget – what it means to you? On Friday 23rd September, Chancellor Kwasi Kwarteng MP, shared the Conservative Government’s mini-budget plans
THE BELOW SUMMARY WAS TAKEN FROM THE CHANCELLOR OF THE EXCHEQUER’S SUMMARY ON 23 MARCH 2022. INTRODUCTION Against a backdrop of the
Cash ISA vs Inflation Did you know the Halifax currently pay 0.01%* on their online easy access cash ISA account. Yes, you
On 3rd March 2021, Chancellor Rishi Sunak delivered the Spring Budget. In this budget he announced the platform to discuss the ways
How to make the most of my money? Investment planning starts with understanding what your aims are. It is then vital to
Spending Review This week’s Spending Review statement made by the Chancellor confirmed some key points on infrastructure and budgetary matters and leaves
Chancellor outlines Winter Economy Plan Chancellor Rishi Sunak has announced that, as the Job Retention Scheme (JRS) terminates at the end of
Chancellor’s Summer Statement The main points of the Chancellor’s Summer Statement are summarised in this article. The Chancellor’s focus was on the
Investment Diversification is Key When you examine investment performance over the long term, there is no obvious pattern. Take Emerging Market funds
What value from your financial adviser? As financial advisers we work side by side with our clients and take responsibility for the
Government Support for Businesses During the COVID-19 Pandemic On 17th March the Chancellor, Rishi Sunak, announced a dramatic set of temporary measures designed
An Investment Update for Clients It’s difficult writing about financial and economic matters when health is quite rightly at the top of
Can your money work harder in 2020 Now could be the perfect time to consider whether your savings, investments and pensions are
Pension Freedoms 4 years on The Government’s announcement of Pension Freedoms in 2014 came into play from the start of the 2015/16
The Pro’s and Con’s of buying an Annuity Protecting your financial health with the right retirement plan is a responsibility that nobody
How To Create The Perfect Retirement Plan Retirement, for many, is a chance to continue doing the things they love most, from
The Benefits Of Saving Regularly There are often two types of investors. There are investors who already had money in their pocket,
What are the benefits of Financial Planning? Have you ever thought about financial planning? Creating a financial plan for yourself should be
Estate Planning Whether you realise it or not, you have an estate. Lots of people are unaware of what makes up an
Pension Review Are you starting to prepare for your retirement? You may wish to complete a pension review. A pension review is
Investment Planning If you are keen to protect the health of your finances, you need to think in terms of investment planning.
What does an Independent Financial Adviser Do Financial advice can be invaluable. With the right financial advice, you can decide how to
How Can I Reduce the Amount of Tax I Pay on My Investments? Everyone’s searching for ways to pay as little tax
Who Can Do a Pension Review? Retirement planning has become a major financial responsibility that many of us are trying to tackle
Diversification – the only free lunch in investment The above chart shows the “ups and downs” of different assets classes between 2005 –
Budget 2018 – what it means for clients With no significant tax or pension changes in the Budget, we can plan for
The New State Pension The new state pension was introduced on 6th April 2016. This affects everyone who has yet to reach
Do you know the value of your pension pot? The new pension freedoms place even greater responsibility on individuals to take control
Don’t put all eggs in one basket! As financial advisers, we talk all the time about the benefits of investing in different
Is your investment paying too much dividends? From 6th April 2018 the dividend allowance, introduced in 2016, will reduce to £2,000. The
ISA vs Pension – which is best? ISAs (Individual Savings Accounts) are a popular way to save. They are after all tax
How to choose your retirement age Many people are concerned or confused about their pension as they approach retirement age, or possibly