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Received an Inheritance or Sold a Business? Planning for a Financial Windfall
An inheritance, the sale of a business, a redundancy settlement or a property sale - a significant lump sum is one of the few genuine turning points in…
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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…
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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…
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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…
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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…
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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…
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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.
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Inheritance Tax Explained: Allowances, Gifts, Trusts and Pensions
How inheritance tax works in 2026/27: the nil-rate bands, gifts and the seven-year rule, trusts, and what changes for pensions from 6 April 2027.
Important information
The information on this site is for information purposes only and does not constitute individual financial advice.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.