Is ‘financial independence’ better than retirement?
Is financial independence the new retirement? Learn how to build flexible income, define your own timeline and plan for a life where work is optional.
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Balancing family needs and your own financial freedom
Are you helping both children and parents financially? Discover how to support your family without compromising your own long-term financial freedom.
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WHO INHERITS YOUR PENSION? AVOIDING COSTLY OVERSIGHTS
Many people don’t know who will inherit their pension. Find out why reviewing your beneficiary nominations is essential to protect your legacy.
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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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Peace of mind, perspective, and a plan: The value of advice
A growing number of people are recognising the benefits of working with a financial adviser - especially when markets are unpredictable and headlines can be overwhelming. A recent Investor Confidence Barometer* found that four in five people (82%) say they get value for money from their adviser. That’s a 10% increase on the previous year - and a sign that the role of advice is more relevant than ever.
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Avoiding the unretirement tax trap
The trend of “unretirement”—people returning to work after initially retiring—is becoming increasingly common. However, many of those who choose to unretire are unaware of the potential tax implications. Without careful planning, unretirement can lead to unexpected tax liabilities, creating what is often referred to as the "unretirement tax trap."
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Protection insurance: are you covered for what life throws at you?
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 for every generation
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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Financial resilience during divorce: Managing costs and securing your future
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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Finding midlife balance
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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