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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The importance of retirement flexibility

Retirement has become less predictable in recent years, with changing economic conditions and evolving lifestyles prompting a shift towards more flexible retirement strategies. For many, traditional retirement—leaving work entirely at a fixed age—is no longer the goal. Instead, the focus is on phased retirement approaches, maintaining balance, and adapting to life’s uncertainties.

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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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Tax year end: a practical checklist

As the tax year-end approaches, it’s a great time to review your finances, make the most of any remaining allowances, and plan for the year ahead. To help you get started, here’s a checklist covering key areas for individuals, families, and small business owners.

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Navigating life changes: why mid-life financial reviews matter

Life rarely follows a predictable path, and major events such as getting married, having children, buying a home, or even facing the possibility of divorce can have significant impacts on your financial health.

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Autumn retirement round-up

Several reports have hit the headlines recently with a consistent message: if you want a comfortable retirement, you should plan early and be flexible.

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Will you need to delay retirement

If you want to avoid delaying your retirement for financial reasons, now is the time to take action and ensure your pensions are on track. With the help of an adviser, you can work out your retirement goals and how best to reach them. Here are some of the key considerations.

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FIVE PENSION MYTHS THAT CAN HARM YOUR RETIREMENT

Pensions are essential to your financial future, with precious tax relief on contributions, especially for higher rate or additional rate taxpayers. 

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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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