Unlocking financial freedom

Save, invest and grow your wealth for a secure future

A Self-Invested Personal Pension (SIPP) is a type of personal pension that provides you with greater control over how and where your retirement savings are invested. While it operates similarly to a standard personal pension by allowing you to save, invest and grow your wealth, SIPPs stand out because of the flexibility they provide. They enable you to choose from a wider range of investment options, allowing you to tailor your investments to suit your personal goals and risk tolerance.
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Is it time to invest in your grandchildren’s future?

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.
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How Chancellor Rachel Reeves could increase taxes

Discover what the Autumn Budget could mean for workers and pensioners

The National Institute of Economic and Social Research (NIESR) has issued a stark warning. If no action is taken, the government is likely to miss its fiscal rule, which requires that day-to-day spending is covered by tax receipts of a significant £41.2 billion by 2029/30. To stay on track, Chancellor Rachel Reeves will need to implement further tax increases.
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Government considers Inheritance Tax reforms

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.
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Why protection matters

Do you have a safety net for you and your loved ones in case the unforeseen happens?

Most people prefer not to consider unexpected misfortune when thinking about the future. However, being prepared for life’s uncertainties is essential to protect your family’s way of life. Financial security provides a safety net for your loved ones if you face illness, injury or an untimely death. But understanding the right cover to meet your needs can be complicated and daunting.
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Why remaining invested supports long-term growth

Unlocking the potential of your investments and securing your financial future

When it comes to growing your finances, few decisions are as crucial to long-term success as remaining invested. The temptation to move to cash during volatile periods can be strong, but financial history and market principles often favour those who keep their positions. Staying invested isn’t just about patience; it’s about unlocking the potential of your investments, capitalising on market trends and safeguarding your financial future.
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Why has a lifetime gifting cap raised concerns?

Proposed policy would fundamentally change how wealth is transferred across generations

Concerns are growing about the possible introduction of a lifetime gifting cap by the government. This could significantly alter how wealth is passed down through generations, impacting not only large estates but also everyday family financial support. By bringing more gifts into the scope of Inheritance Tax (IHT), the proposed changes could complicate life for families who depend on regular financial assistance from loved ones.
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Pension myths exposed

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.
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Love and money

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.
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