Getting your financial plan in order

Setting the course for a secure future

As we enter the second half of 2025, the same familiar issues continue to affect the financial landscape. Inflation, although easing, still impacts spending power. Meanwhile, a series of stealth tax increases is gradually boosting government tax receipts. It’s a complex environment; however, there has never been a better opportunity to review and refresh your financial plan.
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Setting investment goals and timescales

How to clarify your path to financial success

Establishing clear investment goals is essential for achieving long-term success, as they serve as a roadmap outlining the purpose and desired outcomes of your investments. By defining your priorities, you can make informed decisions, avoid distractions, and effectively track your progress. Whether you are saving for retirement, funding your child’s education, or building wealth for future opportunities, clear objectives ensure that every decision aligns with your broader financial aspirations.
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Planning a wealthy retirement

Secure your future with smart financial choices

Whether you’re employed, a partner, or self-employed, you can contribute to a pension. Employers are legally required to provide workers with access to a pension scheme, while anyone self-employed or unemployed, who cannot invest in an occupational plan, can pay into a personal pension, such as a SIPP (Self-Invested Personal Pension) or a stakeholder policy.
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Saving vs investing

Understanding your financial options for now and the future

Managing your finances can often feel overwhelming, particularly when deciding between saving and investing. Savings are aimed at short-term needs or emergencies, offering a sense of security and quick access to funds through low-risk options such as savings accounts. This approach ensures that you are financially prepared for unforeseen expenses or near-term goals.
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How much do you need to retire comfortably in 2025?

Start planning now to secure your financial future

If you hope to enjoy a comfortable retirement when you cease working, review your pension savings now, as the amount of money you may require could come as a shock. According to the latest data, a single person now needs a staggering £43,900 annually to sustain a comfortable lifestyle in retirement, while couples need £60,600 a year[1]. These figures underscore just how vital it is to have a clear retirement strategy in place.
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Why six in ten millennials are struggling to save for retirement

The financial balancing act millennials face

Research indicates that the current life stage of millennials (those in their late 20s to early 40s) is significantly impacting their future retirement plans, as short-term financial priorities take precedence[1]. The study, which surveyed 4,000 UK adults, reveals that six in ten (59%) millennials are struggling to save for retirement. In comparison, 48% of Generation Z (ages 18-26) and 39% of Generation X (ages 41 to 56) face similar challenges.
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