Unlock financial freedom with a Self-Invested Personal Pension (SIPP)

Posted on June 30, 2025 by - Uncategorized

Flexibility to create a diversified portfolio that matches your risk tolerance

A Self-Invested Personal Pension (SIPP) is a flexible retirement savings vehicle, offering more than standard pension schemes. With a SIPP, you’re in control of your financial future, making decisions about where and how your money is invested. This level of autonomy allows you to diversify your portfolio, align investments with your retirement goals, and potentially grow your pension pot far more effectively.

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Simplify your pension savings with consolidation

Posted on June 30, 2025 by - Uncategorized

Unlock financial clarity and boost your retirement fund

Over your working life, it’s likely you’ve built up pensions with multiple employers or started personal schemes if you’ve been self-employed. These various pots of savings can be challenging to manage, and in some cases, they might not work as well as they could.

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Reducing risk in pension savings

Posted on June 30, 2025 by - Uncategorized

Protect your retirement fund while maintaining growth potential

When it comes to saving for retirement, many individuals invest their pensions in a variety of funds. These can be pre-selected by your pension provider or chosen individually to align with your goals and risk tolerance.

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Reducing risk in pension savings

Posted on June 30, 2025 by - Uncategorized

Protect your retirement fund while maintaining growth potential

When it comes to saving for retirement, many individuals invest their pensions in a variety of funds. These can be pre-selected by your pension provider or chosen individually to align with your goals and risk tolerance.

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Exploring your pension choices

Posted on June 30, 2025 by - Uncategorized

Smart decisions for a secure and flexible retirement

Since the groundbreaking pension freedoms were introduced in 2015, savers have had more flexibility than ever before to tailor their retirement income. These changes represent an incredible opportunity to align your pension choices with your lifestyle. Whether you aim to prioritise financial security, enjoy greater flexibility, or combine both approaches, understanding your options is critical to making informed decisions.

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Seven steps to take for a successful retirement

Posted on June 30, 2025 by - Uncategorized

Your path to financial security and peace of mind

Preparing for retirement is one of life’s most significant milestones. It provides an opportunity to step away from work and enjoy the rewards of decades of effort, but to do so comfortably, planning is essential. While identifying what will bring you joy during your retirement years is vital, understanding the financial pathway to achieve that is equally important.

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The ‘secret’ to easing an Inheritance Tax burden

Posted on May 1, 2025 by - Uncategorized

A practical solution to a challenge many families could face

When planning your legacy, it’s essential to understand how Inheritance Tax (IHT) may impact what you leave behind for your loved ones. IHT is often seen as a burden that can reduce the value of your estate, leading to financial challenges for your family. Without careful planning, a substantial portion of your hard-earned wealth might end up with HM Revenue & Customs (HMRC) instead of benefiting those you care for most.

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Ten years of pension freedoms

Posted on May 1, 2025 by - Uncategorized

Research reveals worrying trends among savers

Ten years ago, pension freedoms revolutionised how people access their retirement savings. These changes offered savers over 55 greater options to withdraw and manage their pension pots. However, a decade later, research indicates that many individuals are making critical financial decisions without seeking advice or fully understanding the tax implications[1].

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New rules of Inheritance Tax on businesses and land

Posted on May 1, 2025 by - Uncategorized

What families need to know and how to plan for the future

The October 2024 Budget proposed sweeping changes to Inheritance Tax (IHT), significantly tightening the laws that were previously more forgiving for families with trading businesses and farmland. Effective from April 2026, these types of assets will have reliefs capped at 100% for the first £1 million of qualifying assets. For valuations exceeding £1 million, the relief will reduce the IHT payable by 50%. While this is lower than the standard 40% rate, the inclusion of businesses and farms within the IHT net has sparked fierce debate, leaving many families scrambling to reassess their estate planning strategies.

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