For British citizens living overseas, one of the most overlooked financial opportunities is paying voluntary National Insurance (NI)...

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.

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