Recent government figures show that Inheritance Tax (IHT) collections jumped by £200 million, reaching £3.1 billion between April and July 2025—up 6.9% from the year before—a clear sign of fiscal drag, as asset values outpace frozen tax thresholds. 

Over the course of a working life, many people move jobs, change addresses, or switch pension providers. Each time, there is a risk of...

The UK State Pension remains one of the most reliable retirement income sources available to British citizens, and it is payable even if...

Retirement planning has grown increasingly complex in recent years, especially for British expatriates and those with global financial...

Qualifying Recognised Overseas Pension Schemes (QROPS) are overseas pension plans recognised by HM Revenue & Customs (HMRC) . This...

The UK State Pension is a regular payment from the government, designed to provide a base level of income once you reach State Pension...

When you start planning your retirement, one of the biggest questions is how to turn your pension savings into a reliable income. With...

For investors planning a secure and tax-efficient retirement, UK pensions remain one of the most powerful tools available. Pension contributions not only reduce your taxable income today but also allow your investments to grow free from income tax and capital gains tax over the long term.

Retirement planning involves deciding how and when to access your pension savings. One commonly used method in the UK is pension drawdown, which allows you to withdraw income from your pension pot while keeping the remaining funds invested.

Defined Contribution (DC) pensions—often referred to as money purchase pensions—are now the most widely used retirement savings plans in the UK. Whether you're enrolled in a scheme through your workplace or set one up privately, chances are it's a DC pension.

For British citizens living overseas, one of the most overlooked financial opportunities is paying voluntary National Insurance (NI) contributions . Many assume moving abroad means losing access to the UK State Pension —but that’s not the case. By topping up your NI record, you can secure the same State Pension rights as if you had never left the UK. Even better, the cost of contributions is modest compared to the lifelong benefits . This guide explains: How the UK State Pens

The recent Autumn Budget has introduced significant changes to the treatment of Qualified Non-UK Pension Schemes (QNUPS), impacting inheritance tax (IHT) and the way residency is assessed for IHT purposes. These reforms, set to roll out in the coming years, will have far-reaching implications for UK expats, foreign nationals, and UK residents seeking to use QNUPS as a tax-efficient estate planning tool. Below, we unpack the changes, their implications, and how they may redefi

The pathway to a gratifying retirement requires prudent planning and insightful management of your pension. To ensure a comfortable retirement, understanding the intricacies of different pension schemes and the strategies to maximize their benefits is paramount. This guide elucidates crucial aspects of pension schemes, offering actionable insights to optimize your retirement income.

The UK government has officially announced an extension on the deadline for voluntary National Insurance contributions. The revised deadline now stands at April 2025, providing a crucial buffer period for those seeking to bolster their state pension prospects.