Self employed? Remember your pension

The number of self-employed individuals in the UK has grown significantly over the past decade, with over 4.3 million people now working for themselves¹. While self-employment brings freedom and flexibility, it also comes with unique financial challenges—especially when it comes to retirement planning. Recent research shows that self-employed workers are at risk of pension shortfalls, making it critical to take proactive steps to secure a comfortable retirement. 

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Make the most of your ISA allowance

As the end of the tax year approaches, now is the perfect time to review how you’re using your Individual Savings Account (ISA) allowance. With the April 5 deadline fast approaching, it’s important to ensure you’re making the most of this valuable opportunity to save and invest tax-efficiently. Here, we break down how ISAs work, dispel common misconceptions, and explain why acting now could make a big difference for your financial future.

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Your guide to ISAs

Individual Savings Accounts (ISAs) are a flexible and tax-efficient way to save and invest. Whether you’re saving for short-term goals, investing for the long term, or planning for your children’s future, there’s an ISA to suit your needs. In this guide, we’ll break down the different types of ISAs, dispel common myths, and help you decide which option might work best for you.

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WHAT’S YOUR RETIREMENT DREAM?

Research has shown that the ultimate retirement dream for most is straightforward: enduring financial security. 

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Key Financial Dates to Know About

There are plenty of important dates to be aware of this year that will likely affect your finances. 

3 mins

The importance of a regular savings habit

Maintaining monthly savings levels or committing towards new savings against a difficult economic backdrop can be challenging.

2 mins

A Matter of Inheritance

Leaving loved ones some financial security is a priority for many. So-called baby boomers have been fortunate to have benefited from soaring house prices and bumper pensions, which means they can often hand down a large estate to the next generations.

3 mins

Keeping it in the family

Understanding how to pass on wealth in the most tax efficient manner is key to cutting the amount that HM Revenue & Customs (HMRC) can claim when it eventually comes to assessing inheritance tax (IHT).

4 mins

Early Bird ISA Investors Catch the Worm

Many ‘eleventh hour’ investors have rushed to complete their ISA applications over the last week or so to beat the end of tax year deadline. But it’s the early birds in the new tax year that can arguably catch the best tax breaks.

3 mins

Preparing for an adviser meeting

If getting your finances into shape is on your to-do list for 2023 then you might be planning to see a financial adviser who can help.

3 mins