New research reveals that a startling number of UK adults over 55 lack a valid Will, potentially leaving their loved ones facing uncertainty[1].

The findings show that a significant 25% of individuals over the age of 55 in the UK have not made a Will. Additionally, the study highlights that many Wills have not been updated for a considerable time. Nearly a third have not reviewed their Will in over five years, and 12% have not done so for more

Many UK workers overestimate the number of pay days remaining until retirement.

Latest findings show that around 9 million UK workers have no idea how many pay days remain before they retire[1]. While many focus on their desired retirement age or savings goals, few consider how many monthly pay cheques remain before they can reach those ambitions. This lack of awareness is particularly pronounced among older workers, with 31% of over-55s admitting they don’t know how many pay days remain.

A forward-thinking guide to building a substantial legacy for tomorrow.

As a grandparent, you have a unique opportunity to contribute to your grandchildren’s future in a profoundly meaningful way. Beyond cherished memories and life lessons, providing a financial head start can make a significant difference as they navigate key milestones in life.

Whether you envision helping with university fees, a deposit for their first home, or simply laying a foundation of financial security, thoughtful planning today can grow into a

Trusts are a cornerstone of effective financial planning, providing a secure way to protect wealth, support loved ones, and manage the transfer of assets. Despite their significance, many people remain unclear about what trusts are and how they work. So, what exactly is a trust, and why should it matter to you?

The election of a Labour Government and the delay to the Autumn Budget 2025 fuelled much speculation about potential changes to pension rules. This uncertainty prompted some people to take a 25% tax-free lump sum from their pension in case less favourable rules were announced. However, making a decision based on speculation rather than a solid financial plan can prove costly.

Making sound financial decisions this decade is crucial to securing a comfortable future.

For those in their 50s and beyond, investing can seem particularly intimidating. As retirement approaches, the timeframe for growing your money narrows, and priorities shift towards protecting capital. However, this does not mean investment opportunities are limited. Making sound financial decisions this decade is crucial to ensuring a comfortable future.

Why waiting for the ‘perfect’ moment in the market might cause you to miss valuable opportunities.

Deciding when to start investing can feel daunting. Many believe they must be an expert or have a large sum of money saved in advance. The truth is, the right moment to invest is often sooner than you realise. Waiting for the ‘perfect’ market timing might cause you to miss valuable opportunities for your money to grow.

Without a sufficient financial buffer, an unforeseen health issue could be catastrophic.

In the current economic climate, financial stability seems more out of reach than ever for many households across the UK. Recent research reveals a significant gap between our desire for security and the actions we actually take to attain it. Half of the UK’s workforce admits they would feel much more financially resilient if they had cover in place to protect their income should they be unable to

Time for a financial refresh for the New Year.

A new year often provides a perfect chance to review personal goals and update old habits. This year, consider expanding that review to include your personal finances. For many, managing their finances can seem daunting. However, as with many challenges, the worry is often worse than the task itself, and the most challenging part is simply taking that first step.

Planning your inheritance to transfer wealth to the next generation.

Passing wealth to the next generation is a goal for many. Recent research shows that nearly half of us (47%) intend to leave a financial legacy, with a significant number planning to transfer assets directly to their children[1]. However, navigating the complexities of Inheritance Tax (IHT) can be daunting, leaving many uncertain about how to pass on their wealth in the most tax-efficient manner.

Reducing your estate’s Inheritance Tax liability for your loved ones.

Considering the later years of your life is an essential part of financial planning, especially when it involves how your assets will be distributed after you pass away. Many people think about gifting their dependents or family members an early inheritance. However, this requires careful planning and a solid understanding of Inheritance Tax rules to ensure your wealth is transferred in a reasonable and efficient manner.