It is easier than many people realise to lose track of an old pension pot. Changes and milestones in life, such as starting new jobs, moving houses or even changing your name, can make it challenging to keep track of your retirement savings. It is estimated that £26 billion in unclaimed pensions awaits reunion with…
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The July/August edition of TIPS Magazine is now available! Filled with insightful articles, industry updates, and financial topics, TIPS Magazine explores a variety of subjects that matter to you. From planning for the future and understanding market trends to staying informed about key financial considerations, each issue is designed to keep you engaged and up…
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TRANSFERRING WEALTH TO THE NEXT GENERATION Transferring wealth to the next generation is one of the most important financial decisions you will make in your lifetime. The assets you have carefully built over the years – whether they are property, investments, savings or sentimental items – are a testament to your hard work and dedication.…
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The first quarter of 2025 has been anything but steady for global markets. With the arrival of President Donald Trump’s new administration in the United States, economic tensions have surged worldwide. Global stock markets have been left rattled as sweeping tariffs, intended to bolster the American economy, were introduced. However, while these measures may aim…
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When planning your legacy, it’s essential to understand how Inheritance Tax (IHT) may impact what you leave behind for your loved ones. IHT is often seen as a burden that can reduce the value of your estate, leading to financial challenges for your family. Without careful planning, a substantial portion of your hard-earned wealth might…
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Ten years ago, pension freedoms revolutionised how people access their retirement savings. These changes offered savers over 55 greater options to withdraw and manage their pension pots. However, a decade later, research indicates that many individuals are making critical financial decisions without seeking advice or fully understanding the tax implications[1]. The survey of UK adults…
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Our June financial guidance factsheets are available to download below. Each one focuses on a different financial aspect to help guide you when setting and reaching your financial goals. If there is anything you are unsure about, or would like further information please contact your local Truly Independent Adviser to arrange your free consultation.
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Navigating Capital Gains Tax (CGT) can be complicated and daunting, especially with ongoing changes to exemptions, thresholds and regulations. Understanding the details of CGT is vital, as it directly affects how much tax you owe when disposing of investments such as property, shares or other valuable assets. Without a clear strategy, you might end up…
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For many of us, retirement is more than just the end of long workdays – it’s the start of an exciting new chapter. It’s a time to finally concentrate on what truly brings us joy, whether that’s travelling, spending quality time with loved ones, pursuing hobbies or simply relishing the freedom to set our own…
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Planning for later-life care is a sensitive and profoundly personal matter that many individuals prefer to avoid. However, life’s unpredictability means these situations can arise unexpectedly, necessitating swift and thoughtful decision-making. Without preparation, the emotional and financial pressure can feel overwhelming. Taking the time to consider options in advance could alleviate this burden and help…
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The May/June edition of TIPS Magazine is now available! Filled with insightful articles, industry updates, and financial topics, TIPS Magazine explores a variety of subjects that matter to you. From planning for the future and understanding market trends to staying informed about key financial considerations, each issue is designed to keep you engaged and up…
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The world is on the verge of an unprecedented intergenerational wealth transfer, with projections estimating that by 2047, an astonishing £5.5 trillion will change hands. Despite this monumental shift, many families remain unprepared, lacking structured plans to ensure their financial legacies are preserved or distributed according to their wishes. Wealth transfer planning involves much more…
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