Planning for care: Making later-life support part of your financial plan
While many people don’t rely on care later in life, planning for the potential cost of it could help you feel confident about the future and mean you have more options should you need support. According to a December 2021…
Smoothing the Ride: Ways to Build Financial Resilience
A financial shock rarely announces itself in advance, and resilience isn’t one thing – it’s built in two different places. Here’s how a cash buffer and a more disciplined approach to the invested portion of your money each do a…
The Bank of Mum and Dad, Done Properly
A deposit for a first home, a pension started at birth, help with university costs. There are several genuinely tax-efficient ways to support family financially – here’s how the main ones actually work.
Investment Planning for Care Costs
Setting money aside for care is only half the job – where you hold it matters just as much. ISAs, GIAs and investment bonds are all treated differently when a local authority assesses what you can afford to pay, and…
How to use the “gifting from income” rule to reduce your estate’s Inheritance Tax bill
According to a Citywire report, forecasts from the Office for Budget Responsibility (OBR) suggest the amount of Inheritance Tax (IHT) paid to HMRC will have increased by 11.6% in 2024/25 compared to 2023/24. This will mean that the total amount…
4 steps that could recession-proof your retirement
If you’ve been keeping up with the news recently, you’ll likely know that global economic growth is under increasing pressure. In February 2025, the Bank of England halved its forecast for UK growth this year from 1.5% to just 0.75%,…