Monthly Archives: July 2025
No Pension Panic: Here’s Your Retirement Backup Plan
Just as we’re settling into the 2025/26 tax year, the retirement headlines are heating up again. Government chatter about raising the State Pension age to 68, sooner than planned, has sparked fresh anxiety, especially for those born in the late 1960s and early 1970s. And understandably so, because if the rules shift, and access gets […]
Posted in Financial Planning, Pensions
Cash at 5% – Too Good to Pass Up, or a Long-Term Trap?
It’s been a while since savings accounts turned heads, but here we are: 5% AER on easy-access cash. It feels like a win, finally, your money’s earning something without lifting a finger. But before you go stuffing every spare pound under the metaphorical mattress, it’s worth asking: is this the smartest move for your long-term […]
Posted in Financial Planning
New Tax Year, New Rules: Adjusting Your Wealth Strategy in 2025
Just a few months into the new tax year, and already we’re seeing a different landscape – one where familiar tactics may now leave you exposed. If you’re sitting on investments outside of ISAs or pensions, or haven’t reviewed your portfolio since April, this might be your early warning. CGT changes are biting. Exemptions are […]
Posted in Financial Planning
August Advantage: Why This Month Could Be the Best Time to Remortgage in 2025
August is a funny month. The weather’s decent (most of the time), the inbox quietens down, and if you’re a homeowner with a mortgage deal expiring soon, it might just be the month to act. With lenders adjusting rates and fewer people applying, this quieter corner of summer could give you a rare window to […]
Posted in Mortgage