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Ban and fines upheld for corrupt and dishonest advisor The Financial Conduct Authority’s decision to ban Darren Antony Reynolds from working in financial services and fine him £2,037,892 has been upheld by the Upper Tribunal. Posted in: Pensions - Articles Posted on: Monday Jan 19

£100k+ earners could miss out on £255k in pension tax relief Reclaiming pension tax relief can add up to £160k or £128k over 20 years for additional and higher rate taxpayers on a £10,000 contribution at 5% growth, with contributions increasing by 2% per year Posted in: Pensions - Articles Posted on: Monday Jan 19

30 years of Self-Assessment Fewer than half (48%) of those who fill in a tax return have budgeted for their tax bill every year. Around a quarter (24%) of those who’ve filled in a tax return in the past say that the amount of tax they owe has been more than they expected. Worryingly, 1 in 20 (5%) of those who fill in a return normally use a bank overdraft to pay some or all of their self-assessment tax bill. This year marks 30 years since self-assessment was first introduced, but, three decades later, new research from Royal London shows more than half of those who fill in a tax return (54%) describe it as a ‘nuisance’. Posted in: Articles Posted on: Monday Jan 19

Most self-employed and freelancers not saving for retirement Around 2 in 5 self-employed[1] (38%) and freelancers[2] (40%) are actively saving for retirement. Fewer than 1 in 4 self-employed (24%) and freelancers (21%) know about the pension products available to them. Just over half (55%) of the wider self-employed and freelance community feel confident about their long-term financial stability. Posted in: Lifestyle Article Posted on: Monday Jan 19

Over 1m retired households are reliant on State Pension ONS data finds that approximately 740,000 single retirees and 500,000 retired two adult households are “mainly reliant on State Pensions and not economically active” Posted in: Pensions - Articles Posted on: Monday Jan 19

Employers: prepare for Blue Monday While the exact date and contributing factors for Blue Monday may be open to interpretation, the employee benefits team at Everywhen explains that January may one of the most difficult times of the year, however, as all pillars of health and wellbeing are inextricably linked, and all affect mental health, the company is urging employers to be prepared to support employees where necessary and across all pillars, including physical, financial and social. Posted in: Life - Articles Posted on: Monday Jan 19

Self-employed juggle tax deadlines and pensions As the Self Assessment deadline approaches, new research from PensionBee reveals that while most self-employed workers are actively engaging with pensions, widespread participation is masking a deeper issue: short-term financial pressures are preventing consistent saving and undermining confidence in long-term outcomes. Posted in: Pensions - Articles Posted on: Monday Jan 19

PRA letter to CEOs highlights Life Insurers writing BPAs The Prudential Regulation Authority (the PRA) issued its annual letter to insurer CEOs setting out its priorities for supervising UK insurers in 2026. Life insurers writing bulk purchase annuities continue to be a key area of focus for the PRA reflecting the long-term nature of the risks they take on. The PRA’s priorities build on both new and existing themes with a number of points that are relevant for defined benefit pension schemes considering buy-ins and buy-outs. Posted in: Life - Articles Posted on: Friday Jan 16

Your wind-up journey: a guide to getting it right With many more schemes being in a position to look at buying out their pension scheme liabilities, trustees are now starting to think past the transaction date. How can they ensure that the correct members have the correct benefits? How can they effectively wind-up their scheme to make sure that they and their sponsoring employer have securely offloaded their future risk? For many trustees and employers, winding up a pension scheme is something they will only do once, so they need to make sure they get it right. Posted in: Articles Posted on: Friday Jan 16

From Concept to Practice: a practical guide to CDC pensions Collective Defined Contribution (CDC) pension schemes offer a new way to provide a retirement income. CDC schemes combine parts of both Defined Benefit (DB) and Defined Contribution (DC) pension scheme systems. The potential of CDC is generating widespread interest across the pensions industry, amongst employers, trade unions and trustees, especially as part of broader discussions on the future of workplace savings. Posted in: Pensions - Articles Posted on: Friday Jan 16

Actuaries and scientists call for a Planetary Solvency plan New analysis suggests the planet may be more sensitive to greenhouse gases than many models assume, meaning temperatures could rise faster and bring much greater climate risks than policymakers and financial institutions are planning for. Posted in: General Insurance Article Posted on: Friday Jan 16

FTSE 100 set to take a breather while geopolitics turn icy FTSE 100 set to take a breather as oil and gold head lower amid easing of Iran tensions. Wall Street set to head higher at the end of the week, buoyed by corporate results. Surge in TSMC chip sales indicate the AI juggernaut has further to run. Geopolitics turn icy, with the US ambitions in Greenland in focus. Posted in: Investment - Articles Posted on: Friday Jan 16

Business owners must act on IHT reliefs before 6 April Six steps entrepreneurs and family businesses should consider – if they act now. Important changes to Inheritance Tax reliefs are imminent in April for the 2026/27 tax year and beyond. A new cap on agricultural property and business reliefs will come into force that means many business owners and their families face a greater IHT bill at death, which in some cases could spell jeopardy for the firm itself. Posted in: Pensions - Articles Posted on: Thursday Jan 15

More than 3 in 10 have lost track of their pension pots New research has discovered as many as 79%, have little to no idea how much money they have saved to pay for their retirement, while almost three in ten (27%) don't even know who their pension provider is. Posted in: Pensions - Articles Posted on: Thursday Jan 15

Airline Insurance Claims Review 2025: The lessons learned Some headlines have questioned the aviation industry’s safety record during 2025, but the reality is more nuanced. Claims remain near long term averages against a fast-growing demand for air travel. The losses at the end of 2024 offered a taste of the 2025 aviation claims year. There were several high-profile airline incidents, including one of the deadliest commercial aviation incidents in U.S. airspace since 2001. Despite the incidents in 2025, air travel remains one of the safest forms of passenger transportation. Posted in: Articles Posted on: Thursday Jan 15

Self Assessment: Beware child benefit trap and your pension Self-employed and higher earners need to submit their return online by 31st January. With frozen thresholds exposing more families to the High-Income Child Benefit charge, many are at risk of being caught out if they don’t submit a return. Completing a self-assessment is vital to ensure higher earners are claiming the correct pension tax relief. Standard Life answers key self-assessment questions ahead of the deadline Posted in: Investment - Articles Posted on: Thursday Jan 15

Economic green shoots showing as FTSE 100 flirts with 10,200 FTSE 100 starts day flat after another record close. Services drive better than expected UK GDPUS stock futures flat after wholesale prices muddy the inflation outlook. Brent Crude prices pull back as Trump tones down the rhetoric on Iran. TSMC: AI buildout is just getting started Posted in: Investment - Articles Posted on: Thursday Jan 15

Another record low for death rates in 2025 The Continuous Mortality Investigation (CMI) publishes frequent mortality analysis for England & Wales through its mortality monitors. Today’s updates cover the period to 2 January 2026 and the quarterly monitor sets out results for the whole of 2025. Posted in: Life - Articles Posted on: Wednesday Jan 14

Trump 2.0 one year on: Market winners and losers It will be one year of Trump’s second spell in the White House on 20 January 2026. Unpredictable behaviour by the president has given investors a lot to digest. Why gold, defence stocks, banks and European shares prospered. Why bitcoin, Tesla, Nike, Lululemon and Kenvue soured. The sectors that failed to live up to the Trump hype Posted in: Investment - Articles Posted on: Wednesday Jan 14

If I were a Chief Investment Officer where would my focus be The turn of the year invites a flurry of articles containing predictions, forecasts and “things to look out for”. Yet seasoned investors know that forecasting is, at best, an entertaining parlour game and, at worst, a distraction from sensible long-term allocation decisions. Still, it is impossible to ignore the background noise: record-high equity indices and narrow credit spreads are accompanied with ominous headlines about weak economies, asset bubbles and geopolitical fracture. Posted in: Articles Posted on: Wednesday Jan 14

UK higher at the open but oil rally runs out of steam FTSE 100 opens higher. US markets react to well-behaved inflation. Salesforce down 7% on AI disruption fears. Oil snaps back after four-day rally Posted in: Investment - Articles Posted on: Wednesday Jan 14

Property wealth makes up 47% of IHT paying estates in London Property wealth accounts for 47%, on average, of the value of IHT-paying estates in London; 42% in the South East and East of EnglandFOI breaks down estate assets by region to show areas where property makes up the biggest proportion of IHT-paying estates Posted in: Investment - Articles Posted on: Wednesday Jan 14

Cyber remains top business risk but AI rises to second Cyber, especially ransomware attacks, ranks as the #1 risk for the fifth time in a row for companies of all sizes (42% of responses globally). Artificial Intelligence (AI) is the biggest riser and jumps from #10 to #2 (32%), highlighting the emerging risks for companies in almost all industry sectors. Geopolitical turmoil and uncertainty pushes political risks and violence to its highest-ever position at #7. Level of concern regarding cyber risk and AI higher in the UK than globally. Market developments feature in the top 10 lists for UK businesses for the first time Posted in: General Insurance Article Posted on: Wednesday Jan 14

Scottish Budget: tax load on high earners and homes over £1m The basic and intermediate income tax bands in Scotland will rise 7.4%, but there will be a freeze on thresholds for higher earners in Scotland. Scotland has six income tax bands, in contrast to England, Wales and Northern Ireland where there are just three. There will be also be two new council tax bands by 2028 for properties in Scotland worth over £1 million. Posted in: Investment - Articles Posted on: Tuesday Jan 13

US inflation undershoots at 2.6%-Trump can call off the dogs Core US inflation (excl. energy and food) came in at 2.6% for December, below the 2.7% market consensus. Housing costs were a key driver, up 0.4% for December. Food and Energy costs rose 0.7% and 0.3%. Annual inflation rate is unchanged at 2.7% for December. Posted in: Pensions - Articles Posted on: Tuesday Jan 13

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