Financial Planning
You might already know that salary sacrifice can be a practical way for your employees to bolster their retirement funds, while reducing their tax liability. However, in the 2025 Autumn Budget, the government announced changes to how salary sacrifice is treated for National Insurance (NI) purposes. From April 2029, a new cap will be introduced, […]
In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. These measures could see estates facing a larger IHT liability, or coming […]
Language is powerful. The words you use to describe different scenarios can change how you perceive events, and the language used for retirement could lead to a pessimistic outlook. Writing in an article for Saga (21 October 2025), lexicographer Susie Dent explains that in English, “retire” has its roots in a Latin word meaning “to […]
Savvy singers and songwriters can generate an annual income by releasing a Christmas hit. As you shop for loved ones, consider giving a gift that will continue to give value over time. Many Christmas songs are replayed every year. Indeed, songs you’ve listened to this year can evoke nostalgic childhood Christmas memories. For the artists […]
One of the biggest factors affecting investment markets in November 2025 was concern about an AI bubble. Despite this, there were still market highs recorded during the month. Remember to consider your risk profile when you invest and review your portfolio’s performance with a long-term outlook. AI concerns led to volatility throughout November 2025 With […]
The last 12 months have been interesting for investors, with the market experiencing volatility. Read on to discover valuable insights from 2025. 1. Many markets have performed well despite volatility If you simply read the headlines from 2025, you might think the markets performed poorly. Worries about high inflation, trade tariffs, and sluggish economic growth […]