How May We Help You ?
Our quarterly report, written to step back from the day to day and look at the themes shaping your money over the months ahead.
What’s inside this issue
This edition asks whether your financial plan has kept pace with your life, then turns to how the April 2027 Inheritance Tax changes are reshaping pension planning and where life insurance can help. It covers the investment outlook in an uncertain world, the salary sacrifice cap due in 2029, managing the move into higher rate tax, how grandparents can turn childcare into extra State Pension, and why younger savers are taking their pensions more seriously.
A theme worth your attention
Nearly a third of UK adults, around 18 million people, have gone through a major life change in the past decade without updating their savings, pensions or protection. Almost four in ten have not raised their pension contributions after a pay rise, and a third are saving no more than they were ten years ago. This issue makes the case for a regular review, with a simple checklist to get started.
Who it’s for
Anyone whose life has moved on since they last looked at their finances. Whether you are approaching higher rate tax, thinking about how your pension will pass on, or helping out with the grandchildren, there is something here worth ten minutes of your time.
Worth knowing before you read
This is general information rather than advice, and the rules can change. Think of it as a starting point. If anything in it raises a question about your own situation, that is what we are here for.
