Monthly Archives: October 2025
The Advice-Only Mistake: Why Execution Matters Just as Much as the Plan
You’ve got the plan. The recommendations are clear, the goals are mapped out, and the next steps look achievable. But without support to implement them, even the best advice can end up gathering dust. At Cedar House, we believe good financial advice doesn’t stop at the “what”, it continues through the “how.” A smart strategy […]
Posted in Financial Planning
What Happens to Your Pension When You Die? Why 2025 Is the Year to Recheck Your Nomination
Pensions don’t automatically follow your will. Most defined contribution pensions (the kind you build through personal or workplace plans) pass on according to your nominated beneficiary form, not your estate. If you haven’t nominated anyone, or your nomination is out of date, the pension provider may use discretion to decide where the money goes. That […]
Posted in Pensions
The £3,000 Gift Everyone Forgets to Use (And Why HMRC Loves That)
Every year, millions of people in the UK let a simple tax break slip through their fingers: one that could save their families thousands. The £3,000 annual gift allowance sounds modest, but used consistently, it’s a powerful way to reduce future inheritance tax bills. The irony of it all is that most of us never […]
Posted in Financial Planning
Is Your Mortgage Deal Hiding a Trap? What to Know Before You Remortgage Again
That ‘too good to miss’ rate might look pretty tempting… much like a pancake van on a chilly autumn evening. But – the small print can come with costly surprises. Many of us get drawn like a moth to a flame when it comes to shiny, cleverly marketed deals and switch before really looking into […]
Posted in Mortgage