The cover most families skip, and the event it protects against
Most households insure death, patchily insure critical illness, and do not insure the event most likely to happen to them during a working life: being unable to work.
The April 2027 pension change, if you are already retired
Most of what has been written about the April 2027 pension change is aimed at people still saving. If you are already retired, it may quietly undo a rule of thumb you were given years ago.
Should I take my tax-free cash as soon as I can?
You can usually take a quarter of your pension free of income tax. Whether taking it now is the right move is a different question — and the gap between the two is where most of the value in retirement planning sits.
Should I Consolidate My Old Pensions?
Change employer a few times and you can reach your fifties holding five or more pension pots. Bringing them together is often sensible — and occasionally a way to destroy real value. How to tell which applies to you.
Pension Drawdown vs Annuity: Which Is Right for Your Retirement?
The pension question that matters is not how to save, but how to turn what you have saved into an income that lasts. Drawdown and an annuity work in fundamentally different ways, and many people end up using both.
How Much Does a Financial Adviser Cost in the UK?
One of the most common questions people type into Google before ever speaking to an adviser, and one the industry answers least clearly. How UK advisers charge, the usual ranges, and what you should see in writing.
Why Use an Independent Financial Adviser? A Plain English Guide
What “independent” actually means, how advisers are paid, and when advice is worth the fee. Written for people still deciding whether to bother.
Should I overpay my mortgage or invest the money?
Whether to overpay the mortgage or invest the money depends on your interest rate, your tax position and how you would feel in a downturn. How to work out which applies to you.
Residential Mortgages Explained
A plain-English guide to residential mortgages: fixed and variable rates, terms and deposits, what lenders actually assess, and what changes when you remortgage or move.
Pensions and Inheritance Tax: The April 2027 Changes Explained
From April 2027 most unused pension funds are expected to fall into your estate for inheritance tax. What is changing, who it affects, and the planning steps worth considering now.
Important Information
The information here is purely for information purposes only and does not constitute individual advice.
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
The value of investments may fall as well as rise. You may get back less than you originally invested.
Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change; therefore, the tax treatment of pension benefits can and may change in the future.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.