Gen X is building strong cash reserves but missing growth opportunities by avoiding investing. A better balance of savings and investments could help protect long-term wealth from inflation and support a more resilient financial future.

• Gen X savers are cautious, with over £34k on average held in cash savings
• Less than a third also invest, risking long-term value

Failing to update your pension beneficiary could mean your money goes to the wrong person – some people even have an ex-partner listed. Regularly review your nominations to make sure they reflect your current wishes and protect those who matter most.

One in six people with a partner admitted in a recent study* that they ‘do not know’ who would inherit their pension

Throughout our lives, we both give and receive support across generations, whether within our families or as part of society. This concept, known as the intergenerational contract, ensures that different generations support each other based on their needs and resources. However, with shifting economic conditions and demographic changes, this balance is increasingly under

Could your finances benefit from a spring clean? You could take your cue from the Swedes. They believe in ‘döstädning,’ or ‘death cleaning.’ It sounds pessimistic, but it involves decluttering your belongings to reduce the burden you leave behind to loved ones.

The philosophy gained international prominence through a 2018 book called 'The Gentle Art of Swedish Death

As we step into 2025, now is the perfect time to set your financial plans in order. With changes on the horizon – like many pension pots becoming subject to inclusion in Inheritance Tax (IHT) calculations from April 2027 – it’s wise to prepare early.

Financial wellbeing involves having a positive relationship with your money, feeling secure and in control of your

If you’re considering talking to a financial adviser, you’re likely weighing up whether it’s worth the cost. On one hand, they can help you navigate the complex world of investments, pensions, and financial planning. On the other hand, not every experience with a financial adviser is a smooth one. Let’s break down the potential pitfalls of using a financial adviser—and why

There are lots of reasons people don’t want to give away a slice of their hard earned cake! However, it could help you reduce your estate and therefore your Inheritance Tax liability.

1) I don’t know the rules, I don’t want to cause a problem with the tax man. 2) Don’t you have to live 7 years for it to be tax free? 3) I don’t know if I will need it myself. 4) I don’t

If you thought your pension was just your retirement savings then think again.

As well as ensuring your financial certainty when you want to stop working, a pension is a great way to support future generations. This is because defined contribution pensions are one of the most tax-efficient ways of passing on your wealth.

No tax troubles

Unlike Individual Savings