Reducing your estate’s Inheritance Tax liability for your loved ones Considering the later years of your life is an essential part of financial planning, especially when it involves how your assets will be distributed after you pass away. Many people think about gifting their dependents or family members an early inheritance. However, this requires careful…
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The inevitable shift in the approach to intergenerational wealth transfer Pension savers intending to pass on their retirement funds to loved ones received unwelcome news following announcements in the 2024 Budget. The Chancellor revealed that pensions will soon be subject to Inheritance Tax (IHT), marking a significant change from previous rules that usually protected pension…
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Time for a financial refresh for the New Year A new year often provides a perfect chance to review personal goals and update old habits. This year, consider expanding that review to include your personal finances. For many, managing their finances can seem daunting. However, as with many challenges, the worry is often worse than…
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Making sound financial decisions this decade is crucial to securing a comfortable future. For those in their 50s and beyond, investing can seem particularly intimidating. As retirement approaches, the timeframe for growing your money narrows, and priorities shift towards protecting capital. However, this does not mean investment opportunities are limited. Making sound financial decisions this…
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How financial awareness can protect your hard-earned retirement savings In an era when job changes are common, millions of people in the UK risk losing touch with their hard-earned retirement savings. New research highlights a concerning gap in financial awareness, with many individuals potentially missing out on a significant part of their future income because…
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Why keeping your financial plan relevant is more important than ever Have you set your New Year’s financial resolutions? The key is to make them specific and measurable.To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track. Life is rarely…
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The January/February edition of TIPS Magazine is now available! Filled with insightful articles, industry updates, and financial topics, TIPS Magazine explores a variety of subjects that matter to you. From planning for the future and understanding market trends to staying informed about key financial considerations, each issue is designed to keep you engaged and up…
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Even small top-ups or one-off payments could accumulate to thousands in future retirement savings. Nearly a third of adults in the UK are now contributing more than the minimum into their workplace pensions. Research shows that 31% of people have voluntarily increased their regular pension contributions, while one in ten have made additional one-off payments…
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Planning, talking, and protecting more of your legacy from tax and disputes. Death and money are two of life’s unavoidable realities, yet they remain subjects many of us hesitate to discuss. This reluctance often extends to inheritance, a topic filled with discomfort for many families. The consequence of this silence is significant, as an increasing…
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Why market timing rarely works – and why long-term consistency matters. Some people delay investing because they’re waiting for “the right moment.” The idea of buying when prices are low and selling when they’re high seems sensible in theory, but in practice, it’s very difficult to perform. Even experienced professionals struggle to predict short-term market…
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How can they assist investors in expanding their portfolios? Dividends have long been a vital part of the investment process.For many investors, dividends help minimise portfolio volatility, especially during uncertain markets, and they can indicate management’s confidence in a company’s financial health. Besides stability, dividends can also considerably boost total returns through reinvestment, especiallyin portfolios…
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How upcoming changes could affect estate valuations and beneficiary payouts. In the previous 2024 Autumn Budget, the Chancellor announced that the Inheritance Tax (IHT) thresholds, which are the amount you can pass on when you die before IHT is due, will remain unchanged until 2030. However, from 6 April 2027, pensions will no longer be…
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