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Understanding how removing the pensions exemption could affect your legacy For decades, UK savers have relied on pensions not only for retirement income but also as a highly tax-efficient way to pass on wealth. Under current rules, pension pots generally fall outside your estate for Inheritance Tax (IHT) purposes. However, a significant shift is on the horizon. From 6 April 2027, the government will remove this long-standing exemption, bringing unspent pension wealth within t

Empowering your future with greater pension freedom Planning for retirement is a crucial step in securing your financial stability for the years ahead. For those seeking greater involvement in how their pension savings are invested, a Self‑Invested Personal Pension (SIPP) can offer a flexible and innovative option. Unlike standard personal pensions, where investment decisions are typically made by a third‑party fund manager, a SIPP allows you to choose from a wide range of pe

Have you planned your timeline, lifestyle, and finances for when you stop working? Regardless of when you plan to retire, there are several key considerations that can help make the transition to life after work smoother and more manageable. Taking time to prepare in advance will reduce stress and ensure you are ready for this significant life change. A well-thought-out retirement checklist is a valuable tool that helps you stay organised, track key details, and focus on the

The right strategies help your money keep pace with rising costs and secure your standard of living. Below, we outline where costs often rise and offer six proven strategies to help you protect your nest egg against inflation. 1. Review your pension income Check how your pension performs in the face of inflation. Increasing annuities offer annual increases, though they start lower than fixed ones. If you draw on investments, ensure your returns are sufficient to beat inflatio

How to safeguard your future against rising costs When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security. Without a plan, everyday cost increases may erode your hard-earned savings. Recognising which areas are most exposed to inflation lets you build a more resilient financial st