An estimated £7 trillion is expected to change hands over the next three decades, as Unbiased reports. This so-called “Great Wealth Transfer” poses a significant opportunity for the generations set to inherit from baby boomers (born 1945 – 1965) and the silent generation (born 1928 – 1945). However, without comprehensive estate planning, much of this financial opportunity could be eroded. In many cases, insufficient planning could see more of your wealth ending up in the hands of a beneficiary you wouldn’t have chosen yourself – such as HMRC or an ex-partner. Keep reading to discover five key steps to prepare your estate to be passed to the next generation. 1. Make and update your will First and foremost, having an... Read More

In the new tax year, many people in the UK could see their tax liability rise. With the tax-free Personal Allowance and Income Tax thresholds set to remain frozen until at least 2031, you could see a larger portion of your earnings subject to tax as your income rises. In some cases, you could even move into a higher tax bracket. According to figures from the Office for Budget Responsibility (OBR), by 2028/29 an additional 3 million people are expected to be paying the higher rate of Income Tax compared to 2022 levels, while 400,000 will move onto the additional rate. As a result, you may now be looking for ways to mitigate your tax bills more keenly than ever.... Read More

Just over three months after her lengthy Autumn Budget, chancellor Rachel Reeves has addressed the House of Commons and delivered the government’s 2026 Spring Statement. Ahead of the Statement, Reeves reinforced the government’s commitment to “one fiscal event, one Budget, a year”. So, it will come as a relief to many, including business owners, that the Spring Statement included no additional tax-raising measures. Furthermore, no changes to pensions or Individual Savings Accounts (ISAs) were announced. Reeves also said that household disposable income is set to grow at twice the rate that was forecast in the Autumn Budget – leaving the average person £1,000 better off each year by the next election. That being said, previous announcements, including changes to the... Read More

When you think about retirement, you might dream of the trips you’ll take, the time you’ll get to spend with your family, or the hobbies you’ll be able to pursue. But at the same time, it’s natural to feel some uncertainty, whether it’s about how you’ll spend your newfound free time or if your savings will be enough to support the lifestyle you want. It’s important to remember that these concerns are completely normal, and taking steps now can help provide stability and give you peace of mind, both now and in the years ahead. Read on to find out about four common retirement worries and how you can overcome them. 1. Running out of money One of the most... Read More

Valentine’s Day 2026 is behind us – and you may have spent the day celebrating with the one you love. Occasions like this are wonderful and deserve to be recognised, but day to day, your partnership represents more than red roses and romantic dinners. Indeed, no matter whether you’re in a new relationship or have been with your partner, civil partner, or spouse for many years, financial conversations are an important part of building your life together. This said, many couples avoid talking about finances altogether – or when they do, disagreements can arise. If you want to approach your shared wealth in a positive way, or wish to give your financial conversations a clearer structure, read on to discover... Read More