Start the conversation: Why financial planning with older relatives matters Discussing finances with older relatives can feel daunting, yet it’s a vital conversation for everyone involved. Many families avoid these talks out of discomfort, yet addressing financial matters early can prevent misunderstandings and reduce future stress. Understanding their financial situation and identifying potential gaps build…
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A fundamental aspect of prudent financial planning Whether you’re nearing retirement or seeking to boost your current income, building a portfolio that generates steady returns is a fundamental aspect of prudent financial planning. For most investors, the aim is to create an income stream that is not only dependable but also flexible to changing financial…
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Why waiting for the ‘perfect’ moment in the market might cause you to miss valuable opportunities Deciding when to start investing can feel daunting. Many believe they must be an expert or have a large sum of money saved in advance. The truth is, the right moment to invest is often sooner than you realise.…
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Making informed decisions to secure your financial future Receiving an inheritance can be a life-changing moment, often accompanied by a mix of emotions. While it may provide financial security or the means to realise long-held dreams, it can also bring uncertainty about how best to manage this newfound wealth. For many, the responsibility of making…
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Why you should act now: Have you used your allowances before 6 April 2026? With the 2025/26 tax year-end fast approaching, now is the time to act. Waiting until the last minute could mean missing out on valuable allowances that can boost your finances and save you money. We’ve all been there, scrambling to meet…
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Truly Independent recently brought together advisers, staff and guests at its latest Affinity Event, with a shared focus on supporting The Buddy Bag Foundation and the vital work they carry out across the UK. Through the generosity of those in attendance, a total of £1,450 was raised during the event. This enabled the purchase, packing…
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Reducing your estate’s Inheritance Tax liability for your loved ones Considering the later years of your life is an essential part of financial planning, especially when it involves how your assets will be distributed after you pass away. Many people think about gifting their dependents or family members an early inheritance. However, this requires careful…
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The inevitable shift in the approach to intergenerational wealth transfer Pension savers intending to pass on their retirement funds to loved ones received unwelcome news following announcements in the 2024 Budget. The Chancellor revealed that pensions will soon be subject to Inheritance Tax (IHT), marking a significant change from previous rules that usually protected pension…
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Time for a financial refresh for the New Year A new year often provides a perfect chance to review personal goals and update old habits. This year, consider expanding that review to include your personal finances. For many, managing their finances can seem daunting. However, as with many challenges, the worry is often worse than…
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Making sound financial decisions this decade is crucial to securing a comfortable future. For those in their 50s and beyond, investing can seem particularly intimidating. As retirement approaches, the timeframe for growing your money narrows, and priorities shift towards protecting capital. However, this does not mean investment opportunities are limited. Making sound financial decisions this…
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How financial awareness can protect your hard-earned retirement savings In an era when job changes are common, millions of people in the UK risk losing touch with their hard-earned retirement savings. New research highlights a concerning gap in financial awareness, with many individuals potentially missing out on a significant part of their future income because…
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Why keeping your financial plan relevant is more important than ever Have you set your New Year’s financial resolutions? The key is to make them specific and measurable.To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track. Life is rarely…
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