From April 2027, unspent pensions will fall within Inheritance Tax (IHT), potentially raising bills and risking double taxation. Reviewing your arrangements now, from gifting and trusts to charitable giving, can help protect wealth and ensure assets pass smoothly to loved ones.

The government has confirmed it will move ahead with plans to include unspent defined

A growing number of people in the UK are turning to unregulated and unreliable sources for financial advice. The FCA is cracking down on websites promoting financial services without permission, but it’s vital to be cautious of scammers.

Social media finfluencers. Internet searches. AI chatbots. A growing number of people in the UK are turning to unregulated, and often

Research shows women risk entering retirement with less in their pension than men. For every £1 saved by a man, a woman has just 42p.

• For every £1 in a man’s pension pot, a woman has just 42p
• Career breaks, part-time work and lower wages widen the gender pensions gap
• Purposeful contributions and proactive planning can help women build stronger retirement security

"Just like most people, dementia has touched our family. My Nan on Mum’s side had Alzheimer’s and my Grandad on my Dad’s side had Vascular Dementia. With my Grandad there had been some early signs that manifested as anxiety, but he had some small strokes that confirmed the problem. He was able to remain in his own home until quite near the end of his life. I saw first hand

The time of year that you put your home on the market could affect how well your property sells. In winter, buyers would pay more for fireplaces, insulation and underfloor heating.

• Buyers can be swayed by seasonal features depending on when they’re buying
• Winter buyers prioritise warmth, so would pay more for a fireplace and insulation
• Summer buyers are drawn to

Hybrid working and a phased approach to retirement can make transitions easier. Reducing work hours after 66 can help to boost your pension pot, while financial advice ensures your retirement plans remain on track for long-term security.

• Hybrid working helps employees phase gradually into retirement while supporting wellbeing
• Working part-time after 66 can smooth the

The price of home insurance varies depending on property type and size. Detached houses are typically more expensive, so are those with more bedrooms.

• Average home insurance costs vary depending on property type and size
• The most common reasons for claiming are water damage and accidents
• Renewing policies early, ideally 25 days before expiry, can help reduce costs

Some Gen Z and Millennials expect to use inheritance to fund retirement, but this is risky. Making pension contributions early, combining your pots and making the most of tax relief can help prepare for a more reliable financial future.

Retirement can seem an age away when you’re in your twenties and thirties, but it’s never too soon to start saving for the future. The