Plan your wealth. Enjoy your life! One of the most common conversations I have with retired clients isn’t about whether they have enough money. It’s about whether they feel comfortable enjoying it. After years – often decades – of working hard, saving diligently and living within their means, many people […]
Category Archives: Personal Finance
Blog, Business, Pensions, Personal Finance, Protection, Tax, Wealth
How to spot a pension or inheritance tax scam. Why trusted financial advice matters.
07
Jul
Jul
Spotting the warning signs With continued discussion around inheritance tax (IHT) changes due in April 2027 and pensions, many people are understandably reviewing their financial plans and considering how best to protect family wealth. At the same time, there is growing awareness across the financial sector of fraudsters, pension scammers […]
Blog, Financial Planning, Investments, Pensions, Personal Finance
Mid year review – how are your 2026 financial goals looking?
30
Jun
Jun
It’s hard to believe we’re already at the midpoint of 2026. The year has moved quickly, and for many of us, the financial resolutions or goals we set in January have either been quietly progressing or quietly shelved. Either way, now is a good moment to stop and take stock […]
Blog, Family, Financial Planning, Personal Finance, Wealth
International Day of Families: The conversations every parent should start having now
15
May
May
As a mum of three boys aged 11, 8 and 5, I spend a lot of my life thinking about the future. Some days that means wondering whether we’ll ever have a peaceful school run. Other days it is the bigger questions that keep coming back to me — how […]
Blog, Financial Planning, Pensions, Personal Finance
UK tax year planning: What to do at the start of the new tax year
12
May
May
Everyone waits until March. What if you didn’t? The new tax year isn’t just a date on the calendar, it’s your best opportunity to reset, review, and take action. Why start now? Good financial planning isn’t a once-a-year panic, it’s a habit. With the tax year resetting on 6 […]
Blog, Financial Planning, Pensions, Personal Finance, Retirement, Wealth
The normal minimum pension age is increasing – could this affect you?
29
Oct
Oct
• Born between 1971 and 1973? You could lose up to two years of pension access. • Thought you could retire or pay off your mortgage at 55? You might need to wait until 57. • Even if you’re older, now’s the time to check your pension plans still work […]
26
Aug
Aug
Winter Fuel Payment Clawback 2025/26 In June 2025, the UK government announced that, from Winter 2025, the eligibility for Winter Fuel Payment in England and Wales will be expanded so that more pensioners are eligible. All pensioners born before 22 September 1959 will receive Winter Fuel Payment automatically. However, if your annual taxable […]
Blog, Business, Financial Planning, Later Life, Personal Finance, Property, Protection, Tax
How Has Inheritance Tax Changed?
21
Aug
Aug
How Has Inheritance Tax Changed? On 21 July 2025 the draft legislation for the Finance Act 2025-26 was published and it confirms that the Labour Government wishes to proceed with its proposed Inheritance Tax (IHT) reforms, which come into place from April 2026. As a result of those reforms, the […]
Blog, Pensions, Personal Finance, Tax, Taxable Benefits
Underpaid State Pension: Check Your NI Record for Missing HRP
17
Apr
Apr
Errors in State Pension Due to Home Responsibilities Protection (HRP) The Department for Work and Pensions (DWP) estimates it has underpaid between £300m and £1.5billion of state pension because of errors with the recording of Home Responsibilities Protection (HRP). HRP was a scheme designed to help protect parents’ and carers’ […]
Blog, Financial Planning, Later Life, Pensions, Personal Finance
Why Should You Pay Into A Pension If You Are Self Employed?
26
Sep
Sep
As an accountancy firm we deal with lots of business owners who operate as a sole trader or in a partnership. A questions we get asked by a lot of our self employed clients is, ‘should I pay into a pension’? Here are a few of the reasons you […]