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Celebrity splits shows need for financial advice in divorce

The separation of an Oscar-winning actress and Grammy-winning musician sparks questions for divorce and finances. While high-profile splits often dominate headlines, divorce is far from exclusive to the wealthy. In fact, there were over 103,000 legal partnership dissolutions in England and Wales in 2023 alone, each one raising important questions about long-term financial security, including pensions and retirement planning.
Posted on Wednesday Oct 1

US shutdown knocks equities off course

Asian stocks are down along with US and European futures as US fails to avoid shutdown. Gold hits another all-time high as investors seek out safe haven. Dollar dips – and looks to fall further if previous lockdowns are anything to go by. UK business confidence dips ahead of Autumn Budget. Pfizer’s White House pricing deal sparks relief rally in pharma stocks
Posted on Wednesday Oct 1

The Autumn Budget will inevitably bring higher taxes

Oliver Faizallah, Head of Fixed Income Research at Charles Stanley, part of Raymond James Wealth Management, comments: “Markets are concerned about the UK’s fiscal position, and rightfully so. There isn’t an easy solution to the high levels of debt to GDP and growing deficit, and this is reflected in very elevated gilt yields.
Posted on Wednesday Oct 1

What you need to think about before taking tax free cash

There has been some speculation that the government could cut back on the amount of tax-free cash people can take from their pension in the Budget.This is just speculation but there are concerns people may take knee jerk reactions that they later come to regret. The most recent FCA Retirement Income data showed a 63% surge in the total amount of tax-free cash taken between 2023-24 and 2024-25.
Posted on Tuesday Sep 30

Homeowners unlocking property wealth to gift to loved ones

Canada Life routinely questions their prospective home finance customers to understand their reasons for obtaining an equity release loan.
Posted on Tuesday Sep 30

Inheritance and capital taxes receive increased attention

Commenting, Marc Acheson, Global Wealth Specialist at Utmost Wealth Solutions, said:
Posted on Tuesday Sep 30

Five reasons taxes will rise after the Budget

Rachel Reeves has just delivered her conference speech, emphasising the government commitment to economic responsibility and supporting working people. She has spent the morning fending off questions about tax. There are reports of an expected £30 billion shortfall in the government finances. Cutting spending is tricky in this environment, so the government is likely to turn to tax policy to help close the gap. Some rises are already baked in. It would be the natural consequence of stocks, bonds and house prices rising - and higher inflation.
Posted on Monday Sep 29

Beware of high risk investments from unregulated firms

The FCA is concerned people are being encouraged to invest in high-risk schemes offered by unregulated firms without appreciating the risks involved. Many of the firms offering these products don’t need to be authorised by the Financial Conduct Authority (FCA), as they rely on exemptions in the law that take them out of our remit.
Posted on Friday Sep 26

Markets mixed as heat builds in US economy

FTSE 100 futures up around 20 points. US Q2 GDP revised upwards. Stock futures flat after third consecutive down day. Inflation in focus today ahead of US PCE numbers. Japanese stocks make it two record highs in a row. Trump unleashes fresh tariff salvo on pharmaceuticals and kitchen cabinets. Brent crude tests $70 mark.
Posted on Friday Sep 26

Even more of our money going on taxes

Average household income in the tax year 2023/2024 was £38,900 before taxes and benefits and £41,900 after them. Direct taxes rose 2.6% - the main contributor was a 3.6% rise in income tax.
Posted on Thursday Sep 25

Risk settlement market update

A greater number of insurers competing for smaller (sub-£100m) transactions. New market entrants establishing a growing presence, initially by securing smaller schemes. Full-scheme transactions continuing to dominate, with only 5 percent of deals representing pensioner buy-ins

Posted on Thursday Sep 25

Standard Life completes buyin with The Amtico Pension Scheme

Standard Life, part of Phoenix Group, has successfully completed a £52 million Bulk Purchase Annuity (BPA) transaction with The Amtico Company Pension Scheme. The sponsoring employer, Amtico, is a leading provider of high-quality, luxury vinyl tile flooring solutions.
Posted on Thursday Sep 25

Rethinking inheritance plans amid Budget rumours

Wealthy clients are increasingly seeking advice on inheritance tax and estate planning amid growing speculation ahead of the Autumn Budget, according to new insights from Rathbones Group.
Posted on Wednesday Sep 24

Warning that almost £750k needed for financial independence

New research from Shepherds Friendly has revealed the true cost of financial freedom for 25 years, as well as what each generation would need to be financially independent up until the age of 90.
Posted on Wednesday Sep 24

Scotland leads Great Britain in Power of Attorney awareness

57% of Scots say Power of Attorney is important, compared with 46% across Great Britain as a whole. Scottish residents most likely to have an up-to-date PoA – with 59% of Scots aged 70+ having one, compared to 40% across Great Britain. Only 13% of people across England, Scotland and Wales say they know a lot about Power of Attorney. 31% of people believe they are too young to need a Power of Attorney, despite it being available from age 16 in Scotland and 18 in England and Wales. Greater public education needed to promote benefits of and tackle misconceptions around Power of Attorney
Posted on Tuesday Sep 23

Royal London complete BPA transaction with Stora Enso UK

The £61m BPA transaction secures the benefits of around 750 members of Stora Enso’s pension scheme, an organisation with a 600-year history. More than £1bn has now been insured since Royal London formally launched its BPA business almost a year ago
Posted on Tuesday Sep 23

2025 on track to break more records in BPA market

Analysis of insurers’ half-year 2025 results and recent transaction announcements by Lane Clark & Peacock (LCP) shows record transaction numbers with buy-in/out volumes by UK pension schemes set to exceed £40bn for the full year with a record 350 transactions.
Posted on Tuesday Sep 23

New index reveals hidden toll of financial stress

Women are 1.4x more likely to be financially vulnerable than men. Gen X is the generation most likely to be financially vulnerable (40%), while Baby Boomers are the most financially resilient with only 27% financially stressed.
Posted on Monday Sep 22

Aviva completes buyin with Fenwick Pension Schemes

Aviva has today announced the successful completion of bulk purchase annuity (BPA) buy-in transactions totalling £113 million with Fenwick’s pension schemes. The transactions are part of a series of deals that stretch back to 2012.
Posted on Friday Sep 19

IHT hits £3.7bn in first five months of 2025/26 up 5 percent

HMRC update shows that Inheritance Tax (IHT) receipts totalled £3.7 billion through the first five months (April-August) of the 2025/26 financial year.
Posted on Friday Sep 19

BoE show of independence leaves Chancellor with a headache

Pressure builds on Chancellor ahead of November budget as rates likely to be held until 2026. Initial market reactions suggest disappointment around Quantitative Tightening
Posted on Thursday Sep 18

Comments as interest rates held at 4 percent

Standard Life, Mercer, XPS Group, Hymans Robertson and Schroders comment as Bank of England holds interest rates, with UK inflation way above target. Federal Reserve cuts rates in US, highlighting divergence with UK policy
Posted on Thursday Sep 18

Record ISA inflows but £102m lost to LISA penalties

Comment from Rachael Griffin, tax and financial planning expert at Quilter on the Annual Saving Statistics: “The latest HMRC savings statistics highlight both the resilience of UK savers and the flaws in the current system.
Posted on Thursday Sep 18

US Interest Rates is it concession or capitulation

Wealth Club, Schroders, Forvis Mazars and Isio comment as the Federal Reserve lowers interest rates by 0.25%, marking its first rate cut since December 2024 amid mounting political pressure.
Posted on Thursday Sep 18

Actuarial View on Crypto Futures to Buying Bitcoin on Kraken

What do number crunchers who price insurance risk know about crypto futures? Quite a lot, actually. The same math that calculates your life insurance premium can help you trade Bitcoin futures smarter. Let's talk about managing extreme risk in volatile markets.
Posted on Wednesday Sep 17