£102.3 billion withdrawn flexibly from pension pots since 2015.

Seven in ten people who withdrew funds from their pensions over the last decade were under 65, according to recent findings from the Department for Work and Pensions (DWP). The data highlights concerns about accessing retirement pots before reaching the State Pension age.

Common frauds and how to protect yourself.

Fraudsters are becoming increasingly sophisticated, blending traditional scams with advanced technology to deceive unsuspecting victims. This constant increase in fraudulent activity emphasises the urgent need for heightened awareness and proactive safeguards.

A stagnation in personal financial safety nets.

Many people across the UK are experiencing increasing financial pressures. The recent report highlights serious concerns, revealing that one in five adults has less than £100 in savings[1]. This key figure has remained steady over the past two years, emphasising stagnation in personal financial safety nets.

Why larger pension contributions can have a significant impact.

Pensions are a crucial component of financial planning, particularly for individuals seeking to secure a comfortable retirement. For some, increasing pension contributions can be a strategic move to make up for missed savings or to maximise tax-efficient benefits. However, understanding the rules around contributions requires careful consideration to avoid potential pitfalls.

Is it time to move forward towards your financial freedom?

Early retirement appeals to many, driven by reasons such as a desire to travel or a need for a break from high-pressure or demanding jobs. However, reaching this goal requires more than just asking ‘Can I afford to retire early?’ It involves understanding financial planning, lifestyle adjustments and personal preparedness.

Distinguishing fact from fiction to fully utilise opportunities and secure your future.

Investing in a pension is a dependable and effective way to ensure a comfortable retirement. However, ongoing misconceptions often prevent people from fully enjoying the benefits that pensions can offer. These myths may cause missed opportunities, particularly regarding valuable tax relief and government incentives designed to help savers build their retirement funds.

Let’s address some of the most common pension myths head-on. By separating fact from fiction, you’ll

Is it the right moment to begin safeguarding your wealth for the future?

A UK trust is a legal arrangement in which one party holds and manages assets on behalf of another party, in accordance with the terms set by the trust’s creator.

Are you in a ‘financial situationship’?

Two topics that often come with their own sets of challenges are love and money. Yet, for more than a quarter of couples in relationships, these challenges intersect to create what some now refer to as a ‘financial situationship’. This term describes couples who share their lives and dreams but keep their finances separate, avoiding open discussions about long-term financial matters.

Protect their future with strategic planning to leave a lasting legacy.

Investing for your grandchildren isn’t just about giving wealth; it’s about creating opportunities and stability for their futures. Whether it helps fund further education, a home deposit or even retirement, strategic planning enables you to leave a lasting legacy.

Save the date for our end of year client webinar where we will joined by two highly-respected experts to review your portfolio’s performance over the last 12 months, and share our economic outlook for 2026.

Taking action now can significantly enhance your future financial security.

For many in the UK, the State Pension remains a vital component of retirement planning, providing a financial foundation in later years. Alongside workplace or private pensions, it provides income essential for maintaining the lifestyle you envisage after retirement. Currently, the full rate of the new State Pension for the 2025/26 tax year is £230.25 a week, which totals nearly £12,000 annually.

Tightening gift-giving regulations is among the measures being considered.

The UK Treasury is seeking further new ways to reduce the growing deficit ahead of the much-anticipated Autumn Budget. With a financial shortfall exceeding £40 billion, reports suggest that officials, under the guidance of Chancellor Rachel Reeves, are exploring potential changes to Inheritance Tax (IHT) rules. Tightening gifting regulations is just one of the measures being considered to increase revenue and stabilise the country’s finances.