You have until 5 April 2023 to make the most of your ISA allowance for the current tax year. If you want to boost your savings or investments, adding more to your ISA could make sense. For the 2022/23 tax year, you can add up to £20,000 to adult ISAs. The allowance is for each […]
Are you worried about Inheritance Tax (IHT) or how you’ll pass on your wealth to loved ones? For some people, pensions can provide a way to tax-efficiently leave wealth to family. Here’s what you need to know. While IHT currently affects around 1 in 20 estates, it’s a concern for many families. As key IHT […]
When you think about retirement planning, what challenges come to mind? While ensuring you have enough saved and that you don’t run out of money are common concerns, there is one you may have overlooked: changing from a saving to a spending mindset. To secure your retirement, putting money away has likely become a habit […]
When you’re deciding how to pass on assets and who you want them to go to, understanding their value, and how this might change, is crucial. Last month, you read about why estate planning should be part of your overall financial and life plan. Now, read on to discover why getting to grips with what […]
It’s common to feel low during the wintertime. In fact, the NHS reports that seasonal affective disorder (SAD) affects around 2 million people in the UK and more than 12 million across northern Europe. SAD is certainly a common occurrence at this time of year, but why does it affect so many people? Read on […]
While it can be tempting to actively monitor and manage your investments, taking a back seat could lead to better outcomes. There’s a saying that “the best investors are dead” because they’re not tempted to try and time the market. Daily movements mean it’s tempting to try and guess when the market is at a […]
The majority of Brits feel stressed about planning their retirement, a survey from Aviva finds. While later-life planning can seem complex, taking control of your goals and pension during your working life can mean you feel more confident. The survey found that 61% of Brits feel stressed when they think about retirement planning. Unsurprisingly, given […]
“Lifestyling” is a common way to protect your pension wealth as you near retirement. Yet, as retirement becomes far more flexible, is it something that’s still appropriate for modern workers? Read on to find out what it means and if it’s something you should consider. Lifestyling aims to protect the pension savings you’ve built up […]
Retirement is a milestone that’s often greeted with celebration. But what do you need to do to be happy during your later years? Research has revealed that it’s experiences, rather than material items, that are important. A survey from Royal London found that 72% of those aged over 55 favoured experiences over material possessions. From […]
Have you thought about how you’ll use assets later in life or what you’d like to happen to them when you pass away? Planning for the future with an estate plan now could improve your long-term security and ensure your wishes are followed. While it can be difficult to think about long-term challenges and understand […]
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