News & Insights

For many years, inheritance tax (IHT) was viewed as a tax that affected only the wealthiest families. Today, that perception is increasingly outdated. Frozen tax allowances, rising property prices, growing pension wealth and recent legislative changes mean that a far greater number of individuals and families are now exposed to inheritance tax than ever before. […]

Inheritance tax (IHT) has become one of the fastest-growing sources of revenue for the UK Government, with record receipts highlighting a trend that is affecting an increasing number of families. Traditionally viewed as a tax for the wealthy, inheritance tax is now impacting many individuals who simply own a family home, have accumulated pension wealth, […]

Retirement is one of the most significant financial milestones most people will ever face. Yet despite its importance, many individuals spend more time planning their next holiday than they do planning how they will fund potentially 20, 30 or even 40 years without employment income. The reality is that retirement is changing. People are living […]

Retirement planning is often associated with pensions, investment returns and selecting a retirement date. While these are certainly important, successful retirement planning is about much more than building a pension pot. It is about creating a long-term strategy that supports your lifestyle, provides financial security and gives you confidence about the future. The earlier you […]

Many people have heard the term “wealth manager” but are often unsure what a wealth manager actually does or whether wealth management is relevant to them. A common misconception is that wealth management is reserved exclusively for the ultra-wealthy. In reality, wealth management can benefit a wide range of individuals and families, helping them make […]

Rising living costs create a double financial pressure. On the one hand, everyday expenses are increasing, which can reduce disposable income and savings. On the other hand, higher costs in retirement mean individuals often need to contribute more towards long-term financial planning. Using available tax allowances can help offset some of this pressure by ensuring […]

For much of the past two years, Britain has been trudging through a stubborn economic overcast. Persistent inflation, weak consumer confidence, and subdued growth forecasts have created a climate of uncertainty for households, businesses and investors alike. The economic narrative since 2023 has largely been one of caution: rising borrowing costs, squeezed spending power and […]

With pensions set to be included within estates for Inheritance Tax (IHT) purposes from April 2027, having multiple pension pots may no longer be simply an administrative inconvenience, it could create significant complexity for families at an already difficult time. Over the course of a working life, many individuals accumulate numerous pension arrangements. Changing employers, […]