Life is full of the unexpected — and recent years have brought that into sharp focus. From health crises to job losses, many households have faced challenges that disrupted their income, affected their wellbeing, or placed pressure on their financial plans.
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ISAs are a versatile and tax-efficient tool for saving and investing, offering benefits for every stage of life. Whether you’re starting early with a Junior ISA, saving for your first home with a Lifetime ISA (LISA), growing your wealth with a stocks and shares ISA, or planning for intergenerational financial security, there’s an ISA that fits your goals. Here’s how ISAs can help different generations plan for the future.
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Divorce is a challenging experience, both emotionally and financially. Beyond the personal toll, the financial implications of divorce can be significant, requiring individuals to rethink their long-term plans and take steps to secure their financial future. While separation brings about complex emotional decisions, it also presents the need for careful financial planning to ensure resilience during and after divorce.
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Midlife is often described as a time of transition. For many, this phase comes with a unique set of challenges: balancing family responsibilities, maintaining retirement savings, and pursuing personal goals. While it can feel overwhelming, a clear plan can help you manage competing priorities and stay on track for a secure financial future.
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Spring is a natural time for a reset — and that applies to your finances just as much as your home. Taking a little time now to get organised can help you feel more in control, reduce unnecessary costs, and make sure your plans still reflect what matters most to you.
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If you’ve built up investments outside of an ISA, you might be missing out on valuable tax advantages. A strategy known as ‘bed and ISA’ can help you move these investments into a tax-efficient ISA wrapper. This guide explains how it works, when it might be beneficial, and the key considerations to keep in mind.
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The new tax year is a perfect time to set fresh financial goals and take advantage of opportunities for long-term growth. By making your ISA contributions early, you give your investments more time to grow and maximise the benefits of compound growth. This guide explains why starting early matters and how regular investing can make a significant impact on your financial future.
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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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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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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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