Your Autumn Budget update, and what it means for you
The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements Rachel Reeves announced in her speech and what they could mean for your financial plan.
Insufficient financial education could harm the long-term prosperity of younger generations
More than a decade after financial education was added to the national curriculum, 53% of children are leaving school without having received “meaningful” education on the topic. When building a nest egg for the next generation, combining it with money lessons could be valuable.
The difficult but important estate planning conversations to have with your family
Once you’ve created an estate plan, you might want to talk to your family about the decisions you’ve made. While these conversations can be difficult, they’re important and could ensure everyone is on the same page.
How the benefits of your financial plan go beyond you to your family
A financial plan is rarely only focused on the person making it. In fact, for many people, a successful financial plan will have a positive ripple effect, so the benefits are felt by their family too. Find out how your financial plan could support your loved ones.
How financial planning could give you the confidence to spend more
Financial planning isn’t just about saving. It’s about giving you the control and confidence to spend, too, enjoying today and preparing for tomorrow.
Why successful investing starts with your mindset, not the markets
What’s the most important factor affecting the performance of your investments? Your mind might jump to the ups and downs of the market. However, the markets aren’t the starting point of a successful investment: your mindset is.
How you could use framing bias to your advantage
How information is framed can alter your view and influence your decisions. Thinking about how you approach financial choices could help you reframe them to improve your mindset, and lead to better outcomes.
Guide: Everything you need to know about the State Pension
The State Pension often provides a reliable income in retirement that’s an important part of your overall financial plan. Yet, many people don’t understand how the State Pension works or what they’re entitled to. This useful guide covers the essentials you need to know, from when you can claim the State Pension to how the income it provides will increase each year.
The pros and cons of overpaying your mortgage
Overpaying your mortgage to become mortgage-free sooner sounds like an excellent step to take if you’re in a position to do so. However, it’s not always the right option. Find out more about the key pros and cons of overpaying your mortgage.
3 reasons why pension consolidation could boost your retirement income
Have you accumulated multiple pensions over the years? Discover three reasons why consolidating your pension funds could boost your retirement income, and key downsides to consider.
Trick or treat: The “tricks” a financial plan could help you avoid
This Halloween, read about some of the financial “tricks” you might fall for if you’re not careful. Fortunately, working with a financial planner could help you navigate complicated allowances and rules to turn them into “treats”.
How a cashflow model can turn retirement anxiety into excitement
Retiring should be a milestone you look forward to. Sadly, research shows UK adults associate spending their retirement savings with negative words, and it could mean they aren’t able to enjoy the next chapter of their life. A tailored cashflow model could turn anxiety into excitement.
5 signs that financial bias could be affecting your decisions
Everyone is affected by bias when they’re making decisions. However, while some choices will have little effect on your future, financial decisions could significantly affect your long-term security. So, here are five signs that financial bias might be affecting your choices.
Phasing into retirement: The flexible options you might consider
Almost half of workers aged over 50 are already phasing into retirement or would like to do so in the future. Find out why a gradual approach to retirement could be attractive, along with some of the options that could allow you to do so.
Don’t have a will? Here’s how your estate would be distributed under intestacy rules
The number of people passing away without a valid will increased by 25% between 2020/21 and 2023/24. Discover how your estate might be distributed under intestacy rules, and why it’s important to set out your wishes in a will.
How pension and Inheritance Tax policy changes could affect your legacy
From April 2027, pensions are expected to fall within your estate. This may mean reviewing your estate plan or that you need to consider Inheritance Tax for the first time. Find out more about the policy change and why it could affect your legacy.
Why the Labour government could reform the State Pension and what it means for you
Findings from the Office of Budget Responsibility suggest changes to the State Pension could be introduced to reduce government outgoings. Find out why, what options the Labour government may be weighing up, and how they might affect your retirement plans.
5 challenges a financial midlife MOT could help you overcome
Your midlife can be an exciting time. It might also present some new challenges, such as retirement planning with a partner or supporting elderly relatives. Arranging a financial midlife MOT could help you overcome obstacles and feel more confident as you prepare for the next chapter.
3 ways behavioural bias could affect your approach to estate planning
Financial biases are often linked to investing. However, subconscious tendencies can affect many aspects of your finances, including your estate plan. Read about three ways biases could influence how you approach estate planning.
Planning for care: How to set out your wishes
Planning for the possibility of needing care can be daunting, but it also provides you with a sense of control and a chance to set out what your wishes would be. Read about five steps you could take to ensure you receive your preferred form of care if you need support in the future.