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Should you use your pension lump sum to pay off your mortgage?

Essential key considerations and potential pitfalls you need to know.
With interest rates much higher than they’ve been for many years, using your pension tax-free lump sum to pay off your mortgage might initially seem prudent. Reducing your monthly outgoings can be appealing, particularly if you’re approaching retirement and looking to streamline your financial commitments.

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Shaping a sustainable future

The imperative of collective action and responsible investment

What we do collectively this decade – including how we invest – could mark the difference between starkly different futures. Our actions now will determine whether we face a future plagued by environmental degradation or one where we have successfully mitigated some of the most pressing ecological concerns.

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Sandwich generation

Two-thirds of people in the UK will care for a loved one at some point

With life expectancy rising and more people starting families later, around 1.3 million individuals in England and Wales now have caring responsibilities for older and younger dependents. If this sounds familiar, you’re likely part of the ‘sandwich generation’[1].

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Rising demand for health cover

Grappling with a workforce sickness epidemic and long NHS waiting times. With 2.81 million people in the UK now away from work due to long-term sickness, ensuring employers offer comprehensive health benefits is becoming increasingly critical. This approach is essential for preventing employees from becoming too ill to work, as well as for attracting and retaining staff in a competitive job market. By providing the right health coverage, companies can support their workforce’s wellbeing, leading to higher productivity and job

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Redundancy and your pension

Understanding your workplace pension options to navigate your next steps confidently

Redundancy can be challenging and stressful, often creating uncertainty about the future. However, it can also signal the beginning of a positive new chapter in your life. For many, this transition period offers a unique opportunity to reflect on personal and professional goals and consider new directions that might have previously seemed unattainable.

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Pension scams on the rise

Protect your savings! 7.3 million UK adults encountered an attempted scam in the past year

Around 7.3 million UK adults, or one in seven, encountered an attempted pension scam in the past year. Alarmingly, 14% were targeted through unsolicited calls, texts or emails, according to recent research, illustrating the aggressive tactics employed by scammers. This concerning trend has prompted a closer examination of the vulnerabilities within the pension system, especially as scammers become increasingly sophisticated in their approaches.

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New study uncovers financial vulnerability in five million UK households

Delayed life milestones and lack of planning pose significant risks

New research has revealed that five million childless households in the UK currently lack life insurance, pensions or savings[1]. This alarming statistic underscores a broader shift in how families are structured and how financial priorities are set across the nation.

Traditionally, significant life events such as marriage, parenthood and homeownership have catalysed individuals to take serious steps in securing their financial futures.

However, with many now opting to delay these

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Navigating the complexities of inheritance

Should you consider estate planning and gifting for future generations?

As we age or accumulate more wealth, protecting and preserving our assets for future generations becomes increasingly essential. This process, known as Inheritance Tax (IHT) planning, estate planning or intergenerational wealth planning, involves strategically managing your estate to minimise tax liabilities and ensure that your wealth is passed down to your loved ones in the most tax-efficient manner possible.

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Mastering financial planning

Essential tips for mothers balancing family and finances

Balancing the many responsibilities of motherhood can be overwhelming, often pushing long-term financial planning onto the back burner. However, effective financial planning is essential for everyone, and as a mother, you face unique challenges that require extra attention. Here are some key financial planning steps to help you take control and secure your family’s future.

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Have you secured your legacy?

The vital role of Wills in estate planning

Legacy planning holds different meanings for different individuals. For some, it is about ensuring their loved ones are financially secure; for others, it involves safeguarding cherished possessions or supporting charitable causes. Central to this process is drafting a Will, a pivotal legal document that allows you to dictate the distribution of your money, property and possessions after your death.

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Empowered savers

How to make future aspirations more attainable and less stressful

Saving can bring you a level of financial freedom that transforms your life. By putting money away regularly, you create a financial cushion that can support you through emergencies, help you achieve significant milestones or provide peace of mind.

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Could you have been underpaid the State Pension?

HMRC estimates that affected women could be owed an average of £5,000 each

Thousands of mothers who have missed out on their full State Pension entitlement due to calculation errors have begun receiving letters from HM Revenue & Customs (HMRC) to address this oversight.

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