Monthly Archives: February 2026
Are Frozen Tax Bands Quietly Costing You More Each Year?
Income tax rates haven’t gone up. And yet, if you’ve had a pay rise over the last few years, there’s a good chance more of your income is being taxed at a higher rate. That’s not a coincidence. It’s because key tax thresholds have been frozen while wages have risen. This quiet mechanism, known as […]
Posted in Financial Planning
The Retirement Identity Crisis: What Happens When Work Stops?
Most people plan carefully for retirement income. They calculate pension pots, review investments and work out how long their money needs to last. But far fewer of us stop to consider what happens to our identity when work stops. After decades of structure, routine and being known for what you do, retirement can feel a […]
Posted in Retirement Planning