News and blogs

Topping up your pension

Financial planning decisions include topping up your pension or savings. This could involve making lump-sum or regular contributions. And understanding how much you aim to have in your pensio

Workplace pensions

A Workplace Pension is a pension provided through your employer; sometimes call an Occupational scheme.

Pension types

There are 4 main pension types in the UK, state, workplace, and personal pension.

How to avoid paying tax on pension drawdown

Wondering how to avoid paying tax on pension drawdown? Here is how allowances, timing and ISAs can reduce what you owe.

Gifting money to family: the 7 year rule inheritance tax explained

Understand the 7 year rule inheritance tax treatment, including gifts, taper relief and what happens if you die within seven years.

Financial planning & advice for women – whenever they need it

Financial advice for women can help with pensions, career breaks, divorce and retirement planning. Find the right advice for your situation.

Stop pension age rises: How to protect your retirement

Learn how to stop pension age rises from derailing your retirement. Find out how to check your pension age and plan for future changes.

Is my financial advisor regulated? How to check in two minutes

Check if your financial advisor is regulated in the UK. Learn how to use the FCA register and spot unauthorised or cloned firms.

Independent vs Restricted Advice: What's the Difference?

Independent vs restricted financial advice explained. Learn the key differences and what to consider when choosing a financial advisor.

Retiring abroad from the UK: pensions, tax and healthcare

Retiring abroad from the UK changes your pension tax, healthcare cover and housing costs. Compare renting, selling up and the Non Lucrative Visa.

What happens to your pensions when you divorce?

Divorcing? Find out what happens to your pension when you divorce and how sharing orders could affect your retirement.

Transferring a SIPP to a different provider

Transferring a SIPP to a different provider can be harder than it should be. Find out why and what to check before you start.

UK Pension Reform 2025: The changes explained

UK pension reform 2025 is now law. Five major changes affect every UK saver. Find out what has changed and what it means for your retirement.

Consolidate pensions with the same provider: is it worth it?

Find out if it makes sense to consolidate pensions with the same provider, what to check first, and why acting sooner could make a difference.

Self employed pension options: what to do with £50,000

Exploring self employed pension options through a real world case study. See how £50,000 and £250 a month could build long term wealth.

Salary sacrifice changes in the budget 2025

Discover how salary sacrifice changes in 2025 will affect your pension and take-home pay. Find out what employers and employees need to know.

Employer contributions to personal pension: what you need to know

Employer contributions to a personal pension: can your employer pay into yours instead of NEST? Find out how Margaret did exactly that.

Annuity vs drawdown: your retirement income options

Annuity vs drawdown: which retirement income option suits you? We explain both options and help you decide what works best for your pension.

Pensions tax free cash: What it is and how to use it at retirement

A simple guide to pensions tax free cash, showing how it works, when to take it and real examples to help you plan for retirement.

The Iran conflict and personal finances

The Iran conflict and personal finances: how savers are coping with market volatility, and how a financial adviser can help.

The average retirement income in the UK

The average retirement income in the UK is £14,664 for single pensioners and £30,940 for couples, helping you plan your finances.

Three years on from the LDI crisis, has the UK pension industry learned its lesson?

Three years on from the LDI crisis. This article will examine whether three years on from the LDI crisis, the UK pension industry has learned its lesson.

Can I use my pension to invest in property?

Many people worry about the risks linked with financial markets. A common question people ask us. Can I use my pension to invest in property?

What is a final salary pension?

What is a final salary pension? A final salary pension, also known as a defined benefits pension, is a type of workplace pension.

Who are the best pension providers in the UK?

Find the best pension providers in the UK and compare top pension funds to make smarter retirement planning decisions.

What is a deferred pension plan?

Discover "What is a deferred pension plan?" Learn how it works, benefits, and key considerations for your retirement savings strategy.

Sharp rise in UK pension lump sum withdrawals over tax concerns

Sharp rise in UK pension lump sum withdrawals over tax concerns as savers rush to access funds early amid fears of higher future tax rates.

Reform UK calls for end to ‘egregious’ council pension fund fees

Reform UK calls for end to ‘egregious’ council pension fund fees. They demand transparency and a switch to low-cost trackers to protect taxpayers.

High earners at risk of £65k retirement shock

High earners at risk of £65k retirement shock – discover why top earners could face a huge shortfall and how to protect their retirement.

Two million savers withdraw retirement cash before state pension age

Two million savers withdraw retirement cash before state pension age. Find out why this trend is surging and the impact on your financial future.

What is a good pension pot?

What Is a Good Pension Pot? Learn how much to save, what makes a strong pension pot, and tips for a comfortable retirement.

What income would a £500,000 pension pot give you?

Find out what income would a £500,000 pension pot give you. Compare Annuity vs Drawdown and understand the tax-free cash limit.

Pension tax-free withdrawals jump 72% amid policy change fears

Pension tax-free cash withdrawals jump 72% amid policy change fears. What should you do? Get our expert analysis before taking your lump sum.

How to refresh pension communications

How to refresh pension communications with clear, engaging strategies that boost member understanding and improve retirement planning.

HMRC plans for tax raid on pensions

HMRC plans for tax raid on pensions. Understand what it means for savers, retirement income, and how to protect your pension pot.

Labour change inheritance tax rules on pensions

Labour change inheritance tax rules on pensions. See how reforms could affect beneficiaries, estate planning, and retirement wealth.

How to calculate NHS pension

How to calculate NHS pension explained step by step, covering contributions, benefits, and what your retirement income could look like.

Pension tax free lump sum to be scrapped

Pension tax free lump sum to be scrapped. Find out what this change means for your retirement planning and future pension withdrawals.

How to calculate tax relief on pension

How to calculate tax relief on pension explained clearly, with examples to help you maximise savings and boost your retirement income.

Pension drawdown warning & guidance

Pension drawdown warning & guidance: learn the risks, tax implications, and smart strategies to protect your retirement income.

Is it time to means test the state pension?

Is it time to means test the state pension? Explore what it could mean for retirees, future payments, and the fairness of pension support.

How much could your state pension increase by next year?

Discover how much could your state pension increase by next year and what factors like inflation and triple lock mean for your retirement.

DWP State Pension and other benefits set to be paid early

DWP State Pension and other benefits set to be paid early. Check new payment dates and see how they affect you.

Do married couples get separate state pensions

Do married couples get separate state pensions? Discover how marriage impacts your state pension and what it means for your retirement.

Do I need a financial advisor for my pension?

Do I need a financial advisor for my pension? Discover how taking professional advice helps maximise your retirement savings and plan wisely.

Should the state pension age be reduced to 60?

Should the state pension age be reduced to 60? Explore arguments for and against lowering the age and what it could mean for future retirees.

Should I consolidate my pensions?

Should I consolidate my pensions? Explore the benefits, risks, and key factors to decide if pension consolidation is right for you.

How much state pension will I get at 66?

How much state pension will I get at 66? Discover your estimated pension and factors that affect what you’ll receive.

UK pension overseas transfer loophole change

UK pension overseas transfer loophole change: what it means for your pension and how to act before the rules tighten.

Top fund picks for self-invested pensions

Top fund picks for self-invested pensions: Discover the best funds to grow your SIPP and boost your retirement savings.

Are labour going to tax pensions?

Are Labour going to tax pensions? Find out what proposed policies could mean for your retirement and how to plan ahead.

How to make pension pots tax efficient

Learn how to make pension pots tax efficient with smart strategies to boost retirement savings and reduce your tax bill.

Disadvantages of the Nest Pension

Disadvantages of the Nest Pension explained. Learn what to watch out for and how it may impact your retirement savings and planning.

What is pensionable pay?

What is pensionable pay? Learn what counts towards it, how it affects your pension, and why it's important for your retirement planning.

State pension tax implications

State pension tax implications explained: learn how your pension income may be taxed and reduce tax burden in retirement.

What happens to my pension when I change jobs?

What happens to my pension when I change jobs? Discover your options for preserving, transferring, or cashing in your workplace pension.

Disadvantages of workplace pensions

Discover the disadvantages of workplace pensions, from limited control to tax implications. Learn how they may affect your retirement.

Pension planning pitfalls

Avoid common pension planning pitfalls. Discover key mistakes to watch out for and tips to help you secure a better retirement outcome.

What should I do when my financial advisor retires?

What should I do when my financial advisor retires? Learn the key steps to stay on track and choose the right replacement for you.

How do voluntary national insurance contributions work?

Learn how voluntary national insurance contributions work, who should pay, and what they cost in this simple guide.

What are the limits on SIPP contributions?

Discover the limits on SIPP contributions, annual allowances, and how to maximize your pension savings effectively.

Pension savers favour UK investment

Pension savers favour UK investment for better returns and stability, discover why UK assets are gaining popularity among retirees.

What are the pension allowance carry forward rules and how do they work?

Pension allowance carry forward rules. How they work and how to use unused allowances from previous years to boost your retirement savings.

What is a default pension fund?

What is a default pension fund? Find out how it works, and whether it's the right option for your retirement savings.

Is a crystallised pension still invested?

Is a crystallised pension still invested? Learn about your pension drawdown after crystallisation & what it means for your retirement.

The history of the UK state pension

The history of the UK state pension. Discover the evolution of the UK State Pension, including key milestones, policy changes.

Social housing pension scheme explained: a comprehensive guide

Learn about the types, eligibility & key features of the Social Housing Pension Scheme (SHPS) for members in this comprehensive guide.

Can you get tax relief on pension contributions?

Find out if you can get tax relief on pension contributions, how it works, and how much you could save depending on your income and pension type.

What are guaranteed annuity rates and how do they work?

What are guaranteed annuity rates? Find out how they work, and why they can offer valuable retirement income for some pension holders.

State pension 2025 – What you'll get and how to claim

State pension 2025. Find out when you're eligible, and how to claim it. Stay updated on the latest UK pension rules and rates.

Can you withdraw your pension before 55?

Can you withdraw your pension before 55? Learn the rules, exceptions, and risks of accessing your UK pension early.

What is a deferred benefit pension

What is a deferred benefit pension? Learn how it works, mistakes to avoid & key factors that’ll affect your deferred pension benefits.

How to set up a SSAS pension scheme

A good pension scheme gives you flexibility and control of your business. Learn how to set up a SSAS pension with our step-by-step guide.

Does everyone get a state pension? You could be missing out

Does everyone get a state pension? Find out who qualifies, what affects eligibility, and why you could be missing out.

How to fix gaps in your state pension contributions

Learn how to fix gaps in your state pension contributions and boost your chances of a comfortable retirement.

State pensioners to be hit with Labour’s ‘retirement tax’ next year

Labour's retirement tax to hit state pensioners in 2025 as frozen allowances and pension rises push more into income tax

Will I pay tax on my pension, and how can I avoid it?

Will I pay tax on my pension, and how can I avoid it. Understand UK pension tax rules and how to keep more of your retirement income.

How to plan for a comfortable retirement as we live longer?

How to plan for a comfortable retirement as we live longer. Plan for a comfortable retirement with practical tips on saving and budgeting.

What people regret the most when they retire?

What people regret the most when they retire? Learn how to avoid the most common financial and lifestyle mistakes.

How has my state pension been calculated?

How has my state pension been calculated? Discover how your state pension is calculated based on your NI contributions.

What is the average pension pot in the UK?

What is the average pension pot in the UK? Discover how much you need to save for a secure and comfortable retirement.

What is COPE and how does it affect my state pension?

What is COPE and how does it affect my state pension? Learn how contracting out impacts your forecast and how to find or claim your COPE amount.

How does a SIPP work?

How does a SIPP work? Learn how a Self-Invested Personal Pension gives you control, tax benefits, and flexible investment options for your retirement.

7 Reasons you should rent a home in retirement

Discover 7 compelling reasons to rent a home in retirement, from financial flexibility to stress-free living. Make your golden years truly golden.

Can I buy a retirement property to rent out?

Can I buy a retirement property to rent out? Learn if you can buy a retirement property to rent out, plus key rules, restrictions, and tips for investors.

A guide to transferring your pension

A complete guide to transferring your pension, including when to transfer, potential benefits, risks, and how to get professional advice.

SIPP vs workplace pension, should you transfer?

Compare SIPP vs workplace pension & learn if you should transfer a frozen workplace pension into a SIPP or perodically transfer into a SIPP.

What is a commutation pension?

What is a commutation pension? Find out how it works, and when you can take part or all of your pension as a tax-free lump sum.

The pros and cons of Nest pension

Discover the pros and cons of Nest pension to help you decide if it’s the right retirement option for you.

A short guide to final salary pension advice

To get final salary pension advice. Look out for advisors with relevant expertise such as a G60 qualification.

How to change the address for my pension?

Here are a few simple steps on how to plan and prepare for your retirement including how to change the address for my pension.

The benefits of part-time work in retirement

As of June 2022, the number of people aged 65 years and over in employment hit record levels with almost 1.5 million people working part-time

How do I calculate my deferred pension?

This article explains how using a deferred pension calulator for all the main pension schemes, suuh as the state pension, personal, workplace and defined benefit schemes.

How is the railway pension calculated?

When can I take my brass pension?

Here is a quick read on what a brass pension is, what are its uses, how to contribute to it, and how you can benefit from it.

About self invested personal pensions (SIPPs)

A SIPP is a type of defined contribution personal pension that gives you more freedom than standard pensions and allows you to choose which investments

Is Clwyd Pension Fund a private pension?

If you are hoping to open a new pension fund specifically the Clwyd Pension Fund then here are some key insights for you.

How are pension transfer values calculated?

pension transfer value is the amount of money that your existing pension provider would pay to your new provider.

How can an advisor help me find the best pension company?

A financial advisor will take the time to advise you on the best pension company and scheme based on your needs, aspirations and of course budget.

What should I do with my pension at retirement?

Before you retire, it's a good idea to understand all of your pension options, because this will probably be the main source of your income during retirement.

Why start your pension early?

When should I start a pension early? The answer is as soon as you possibly can, it is never too early to start saving into a pension.

Pension alternatives – what are the options?

Significant numbers of people do look at pension alternatives ways to fund their retirement. Maybe they don't want to lock money away in a pension, they believe that they can get better retur

Retiring abroad: Portugal

Retiring abroad Portugal: Golden visa A second but more expensive option is the golden visa, which was launched in 2012.

What is a personal pension and group personal pension?

A huge advantage of both personal and group personal pensions is that you will usually get tax relief on the money you pay into a pension.

Retiring abroad: New Zealand

If you have children who are permanent residents of New Zealand and have NZ $1.000,000 to invest in New Zealand for 4 years, you can apply for a Parent Retirement Resident Visa.

Retiring abroad: Australia

Retiring abroad Australia: Residence permit Unfortunately, the retirement visa was cancelled in 2018 and is not open any more.

Retiring abroad: Germany

Retiring abroad Germany: post-Brexit The problem for most UK nationals. Is that, most UK advisers are not regulated to advise EU residents. These went with Brexit. Unless they are regulated

Things to consider when transferring your pension

If you are considering transferring your pension, you are likely to be concerned and unhappy with your current scheme’s performance or administration charges, or you simply just want to conso

Retiring abroad: Italy

For UK citizens who are retiring to Italy the visa application process is quite straightforward. This residence permit is non-lucrative in that you will not be permitted to do any economic an

Retiring abroad: Canada

Retiring abroad Canada - residence permit Although there is no retiree visa specifically in Canada. Various visas allow retiree expatriates to live in the country legally.

Retiring abroad: USA

Retiring abroad USA: Residence permit  There is no retiree visa specifically in the USA. Retirees can apply for various avenues for both permanent and temporary residency.

What happens to my pension when I change Jobs?

Nothing will happen to your pension when you change jobs, your pension is your money and the pension fund belongs to you and even if you change your job,

Retiring abroad: Ireland

Retiring abroad Ireland: pension advice  The problem for most UK nationals. Is that, most UK advisers are not regulated to advise EU residents. These went with Brexit.

Retiring abroad: France

Retiring abroad France: post-Brexit - Long Stay Visa (Visa de Long Séjour)

Claiming tax relief on pension contributions as a high rate taxpayer

Tax relief is one of the biggest benefits of paying into a pension and is a considerable advantage compared to saving for your retirement via an ISA.

Ill health and taking your pension before the age of 55

It is possible to take your pension before the age of 55 due to a medical condition that prevents you from working.

Income drawdown and pension freedoms

With pension freedoms under the ‘flexi-access’ drawdown has no such cap, so you can take as much income as you like for as long as your fund lasts.

What is a SERPS pension?

State Earnings Related Pension Scheme (SERPS) was introduced in the 1970s as a top-up to the basic state pension and was later replaced by the Second State Pension, which ran until 2016.

What are safeguarded benefits?

Safeguarded benefits provide a secure pension income after retirement

What are annuity rates and guaranteed annuity rates?

An annuity is an income you can purchase for the rest of your life and is primarily dependent on the interest rates set at the time of the money purchase.

What is a guaranteed minimum pensions (GMP)?

You will have a Guaranteed Minimum Pension (GMP) when you “contract out”. Contracting out refers to contracting out of an additional state pension (also known as State Second Pension or State

A guide to the largest pension scheme in the UK - Nest

Nest refers to the National Employment Savings Trust, which was set up in 2010 and is the largest pension provider in the UK.

What is a workplace pension or occupational scheme?

A workplace pension is a pension provided by your employer, It is also called an occupational pension or a company pension scheme. The terms are interchangeable.

How to avoid the money purchase annual allowance trap

The special restrictions of the money purchase annual allowance (MPAA) were created to stop people from claiming tax relief twice by withdrawing their pension and then paying it straight back

Defined contribution pensions versus defined benefit: what's the difference?

Defined contribution pension schemes and defined benefit schemes are essentially two different types of company pension schemes, commonly referred to as occupational schemes.

How to retire early in 5 steps

Most people who dream of early retirement would define this as retiring in their early 40s or 50s.

Retiring abroad: Spain

A second but more expensive option is the golden visa, which was launched in 2013. A € 500,000 investment in a Spanish property will gain family residency.

How much money do I need to save for my retirement?

Advice on how much to save for retirement depends on the lifestyle you wish to have in retirement.

Planning for your retirement: How to plan for your retirement

The best part of retirement planning sooner rather than later is once it is all done, and everything is set in place you no longer need to worry about it, you can put your feet up and relax.

How to consolidate and combine multiple pension pots

Nowadays we all seem to be drowning in pension paperwork. This is because on average people have 11 jobs in their lifetime meaning you can end up with several pensions with different provider

Structure of the UK pensions market

We understand that pensions is confusing at the best of times. The table below attempts to simplify this by breaking down the pensions market into 4 main types

What is a SIPP and how do I set one up?

A SIPP is a self-invested personal pension and is essentially a personal pension where you get to choose what is invested into the SIPP.

How much is the new state pension and when can I get it?

A state pension is an income for life that is also known as a guaranteed minimum payment.

What is the pension annual allowance?

Your annual allowance is the most you can save in your pension pots in a tax year (6 April to 5 April) before you pay tax.

Topping up your pension

Financial planning decisions include topping up your pension or savings. This could involve making lump-sum or regular contributions. And understanding how much you aim to have in your pensio

Workplace pensions

A Workplace Pension is a pension provided through your employer; sometimes call an Occupational scheme.

Pension types

There are 4 main pension types in the UK, state, workplace, and personal pension.

How to protect your investments from scams

Both the Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) offer advice and help on fraud and scams.

What are the differences between pensions and ISAs?

One of the primary advantages of an Individual Savings Account, or ISA, in the UK is the annual contribution limit, which is £20,000.

What are the main Investment types?

When considering investment types. It's crucial to assess your attitude to risk, investment objectives, and time frames. To create a diversified portfolio that aligns with your financial goal

Is buy to let still a good investment in 2026?

Is buy to let still a good investment in 2026? We break down the numbers, the tax changes, and whether a limited company changes everything.

What is the Enterprise Investment Scheme?

What is the Enterprise Investment Scheme (EIS). The idea is to help small companies raise funds and grow.

Crypto and financial advice

Crypto financial advice in the UK: rules, risks, and how advisors can include crypto in a balanced investment portfolio.

How to invest in commercial property

Invest in commercial property with confidence. Explore steps, risks, and tips to build long-term income from commercial real estate.

What is a with-profit fund?

With-profit funds are an alternative to both cash deposits and fund investments and in terms of risk offer the investor a cautious investment strategy

A guide to investing

Most people who begin investing invest in the stock market, while hearing the term stock market tends to bring on the image of people in colourful jackets yelling “buy”, “sell” and using stra

How to protect your investments from scams

Both the Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) offer advice and help on fraud and scams.

What are the differences between pensions and ISAs?

One of the primary advantages of an Individual Savings Account, or ISA, in the UK is the annual contribution limit, which is £20,000.

What are the main Investment types?

When considering investment types. It's crucial to assess your attitude to risk, investment objectives, and time frames. To create a diversified portfolio that aligns with your financial goal

Wealth manager vs Financial advisor

Wealth manager vs financial advisor: discover the key differences to help you choose the right financial expert for your goals.

Financial planning for a family

Financial Planning for a Family: Learn strategies to budget, save, invest, and secure your family’s financial future with confidence.

Financial advice for high earners: What is the best practice?

Discover the best practice financial advice for high earners, from tax planning to smart investing and long-term wealth protection.

How public sector pension schemes are funded

Wondering how public sector pension schemes are funded? Here is the difference between unfunded schemes like the NHS and funded ones like the LGPS.

The 60% tax trap: what every higher earner needs to know

Earn over £100,000? The 60% tax trap could be quietly costing you thousands. Find out how it works and what you can do about it.

High earner financial planning: are you really wealthy?

High earner financial planning: earning £320,000 a year and still broke at the end of the month? You are not alone. Here is why it happens.

Wealth manager vs Financial advisor

Wealth manager vs financial advisor: discover the key differences to help you choose the right financial expert for your goals.

Financial planning for a family

Financial Planning for a Family: Learn strategies to budget, save, invest, and secure your family’s financial future with confidence.

Financial advice for high earners: What is the best practice?

Discover the best practice financial advice for high earners, from tax planning to smart investing and long-term wealth protection.

Tax planning opportunities for individuals

Discover key tax planning opportunities for individuals to reduce liabilities and maximise savings before the end of the tax year.

What happens to my pension when I die?

What happens to my pension when I die? Learn about options for beneficiaries, spouse benefits, and passing on your pension savings.

A brief guide to inheritance tax planning

Inheritance tax can cost loved ones thousands when you die. In the year 2022/2023 HMRC raised a record £7.1 billion in Inheritance Tax.

Can I use trusts to reduce inheritance tax

Can trusts reduce your inheritance tax bill? Discover how different trust types work and what HMRC rules mean for your estate planning

Married women’s pension windfall: full pension eligibility

Can a married woman get a full pension? Learn about the married women’s pension windfall, who qualifies and how to check eligibility.

What to do when you inherit a property

What to do when you inherit a property. Key steps on taxes, selling, renting, or keeping it. Make smart decisions with our practical guide.

Tax planning opportunities for individuals

Discover key tax planning opportunities for individuals to reduce liabilities and maximise savings before the end of the tax year.

What happens to my pension when I die?

What happens to my pension when I die? Learn about options for beneficiaries, spouse benefits, and passing on your pension savings.

A brief guide to inheritance tax planning

Inheritance tax can cost loved ones thousands when you die. In the year 2022/2023 HMRC raised a record £7.1 billion in Inheritance Tax.

Lifetime mortgage vs equity release: What's the real difference?

Discover the key differences between lifetime mortgage vs equity release to find the right option for your retirement needs.

What is equity release?

Equity release schemes that the FCA regulates are the safest way to access some of the equity tied up in your property that you would not otherwise have access to.

What are retirement interest only mortgages?

A retirement interest only mortgages is a type of mortgage product designed for older homeowners who are approaching or have reached retirement age.

Buying a house with a lifetime mortgage

In this article, we will review the process of buying a house with a lifetime mortgage. This is a way of releasing cash from their existing property.

Lifetime mortgage vs equity release: What's the real difference?

Discover the key differences between lifetime mortgage vs equity release to find the right option for your retirement needs.

What is equity release?

Equity release schemes that the FCA regulates are the safest way to access some of the equity tied up in your property that you would not otherwise have access to.

What are retirement interest only mortgages?

A retirement interest only mortgages is a type of mortgage product designed for older homeowners who are approaching or have reached retirement age.

Seven reasons to get a financial advisor in 2024

The need for advice is probably never more apparent than with the recent cost of living crisis.

£32,000 after tax UK 2024

A quick read at what could be £32,000 after tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK

Is 90k a good salary in the UK?

Here we will look into the professional perspective here in the UK and explore the idea of 90k after tax in the UK if it is a good pay.

Questions to ask a financial advisor before you hire one

Questions to ask a financial advisor about fees, experience, fact finds, timelines and financial advice.

Warning signs of a bad financial advisor

Spot warning signs of a bad financial advisor: hidden fees, poor communication, conflicts, unrealistic promises, and FCA register checks.

Budget summary 2025

Budget summary 2025: Chancellor Rachel Reeves has delivered her second budget. The following sections provide a budget summary of the main announcements.

Budget changes

Rachel Reeves, the chancellor, announced a wide range of budget changes. In this article, we will summarise the key points and how it will affect you.

Does HMRC have new powers to raid people's bank accounts?

Does HMRC have new powers to raid people's bank accounts? Learn what the latest rules mean for your finances and how to stay protected.

How to apply for a personal loan and what to do if you're rejected

How to apply for a personal loan and what to do if you're rejected: step-by-step tips to improve your chances and handle refusals

How do financial advisors make money?

How do financial advisors make money? We discuss how advisors earn, from fees to commissions, and what it means for your financial planning.

What are the financial benefits of marriage?

What are the financial benefits of marriage? Discover how marriage can boost tax savings, pensions, and long-term financial security.

Qualification for financial advisor: Everything you need to know

Learn the key qualification for financial advisor roles, including skills, exams, and training needed to build a successful career.

How much do accountants charge for tax returns?

How much do accountants charge for tax returns? Discover average costs, what affects fees, and how to find the right accountant for you.

Do you pay council tax on an empty property?

Do you pay council tax on an empty property? Find out the rules, exemptions, and how to reduce costs if your property stands empty.

Tax brackets and rates for 2025-2026

Explore the latest UK tax brackets and rates for 2025-2026 to understand your income tax and plan ahead effectively.

How to save £5,000 in a year in the UK

Discover smart, practical strategies to save £5,000 in a year in the UK. Cut expenses, budget better, and boost your savings with ease.

Is financial advice worth the cost?

Is financial advice worth the cost? Discover when paying for advice adds value and how it could help you make smarter financial decisions.

Can I get pension credit and council tax reduction?

Find out if you qualify for pension credit and council tax reduction, plus how to claim and boost your retirement income.

What Is the personal savings allowance and how does it work?

Find out how the personal savings allowance works and how much tax-free interest you can earn on your savings each tax year.

How to complete a self assessment tax return

Learn how to complete your self assessment tax return accurately, meet deadlines, and avoid penalties with our simple guide.

10 common financial mistakes to avoid

Financial mistakes to avoid. Discover the 10 most common financial mistakes people make and learn how to avoid them to improve your financial health.

The 10 best financial tips for young adults

Financial tips for young adults. Discover 10 simple and effective financial tips for young adults to save money and build wealth.

Why financial advisors won't sign forms?

Why financial advisors won't sign forms? Discover the key reasons behind their caution and regulatory concerns.

What is the Financial Ombudsman Service?

What is the Financial Ombudsman Service? Find out how it helps resolve disputes between consumers and financial firms

UK Financial Services Advertising Policy

In 2021, Google changed its UK Financial Services Advertising Policy. The change requires advertisers on its platform not regulated by the FCA.

Is 26k a good salary in the UK?

A quick read at what could be 26k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 24k a good salary in the UK?

A quick read at what could be 24k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 23k a good salary in the UK?

A quick read at what could be 23k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 37k a good salary in the UK?

A quick read at what could be 37k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 38k a good salary in the UK?

A quick read at what could be 38k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 42k a good salary in the UK?

A quick read at what could be 42k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 48k a good salary in the UK?

A quick read at what could be 48k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 65k a good salary in the UK?

A quick read at what could be 65k after Tax in the UK after excluding all fees and figuring out if it is a good pay here in the UK.

Is 75k a good salary in the UK?

A quick read at what could be 75k after Tax in the UK after excluding all fees and figuring out if it is a good pay here in the UK.

Is 85k a good salary in the UK?

A quick read at what could be 85k after Tax in the UK after excluding all fees and figuring out if it is a good pay here in the UK.

Is 27k a good salary in the UK?

A quick read at what could be 27k after tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 150k a good salary in the UK?

A quick read at what could be 150k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 80k a good salary in the UK?

A quick read at what could be 80k after Tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 70k a good salary in the UK?

A quick read at what could be 70k after Tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 100k a good salary in the UK?

A quick read at what could be 100k after Tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 55k a good salary in the UK?

A quick read at what could be 55k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 25,000 a good salary in the UK?

A quick read at what could be 25000 after tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 50k a good salary in the UK?

A quick read at what could be 50k after Tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 45,000 a good salary in the UK?

A quick read at what could be 45000 after tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 40k a good salary in the UK?

A quick read at what could be 40k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Is 35k a good salary in the UK?

A quick read at what could be 35k after Tax in the UK after excluding all governmental fees and figuring out if it is a good pay in the UK.

Is 30k a good salary in the UK?

A quick read at what could be 30k after tax in the UK after excluding all governmental fees and figuring out if it is a good pay in the UK.

Is 250k a good salary in the UK?

Here we will look into the professional perspective here in the UK and explore the idea of 250k after tax in the UK if it is a good pay.

What is the take home pay for 60k salary

A quick read at what could be your take home pay for 60k after excluding all governmental fees and figuring out if it is a good pay here in the UK.

Things to know about The Pensions Regulator

The Pensions Regulator is responsible for protecting workplace pensions in the UK and ensuring that workplace pension schemes are run correctly and in compliance with pension law so that peop

2023: A review of 800+ case studies

Since September 2022, Regulated Advice has generated 800+ case studies that are suitable for an advisor to offer advice to.

The Financial Services Compensation Scheme (FSCS)

The Financial Services Compensation Scheme or FSCS compensate you when financial companies go out of business.

Switching financial advisors: what do you need to know?

At Regulated Advice, we speak to hundreds of people who have visited this site and are looking for advice. Essentially, we prepare case studies for financial advisors.

What is the Financial Ombudsman Service and how can it help me?

If you are unlucky enough to have a dispute with a financial service provider, then the Financial Ombudsman is there to help.

Steps to achieve your financial freedom

You hear a lot about the words 'financial freedom', these days.

How much does a financial advisor cost?

In 2012, commission fees paid to financial advisors were abolished and replaced with fees similar to how accountants or solicitors are paid.

Seven reasons to get a financial advisor in 2024

The need for advice is probably never more apparent than with the recent cost of living crisis.

£32,000 after tax UK 2024

A quick read at what could be £32,000 after tax UK after excluding all governmental fees and figuring out if it is a good pay here in the UK

Is 90k a good salary in the UK?

Here we will look into the professional perspective here in the UK and explore the idea of 90k after tax in the UK if it is a good pay.

How to get a mortgage as a first-time buyer

How to get a mortgage as a first-time buyer, from saving a deposit to finding the best deal.

Remortgaging

The best way to decide about remortgaging is to ask a mortgage advisor, we have many professional advisors to choose from at Regulated Advice. Your advisor can help you assess your current d

Home buying timeline

How long it takes varies, anything from 6 weeks if you're lucky to 6 months or even longer. It can help to understand the most time-consuming parts of the home buying process so that it doesn

Does a student loan affect your mortgage?

Does a student loan affect your mortgage? A student loan will influence a mortgage application. However, the effect may be different to what you imagine.

What is a mortgage illustration?

A mortgage illustration is a document from your lender that explains key details, costs, and terms of your mortgage.

Is it possible to get a mortgage to buy land?

Is it possible to get a mortgage to buy land? Discover how land mortgages work, eligibility criteria, and tips for securing financing.

How long does a mortgage application take through a broker?

How long does a mortgage application take through a broker? Discover the average timeline, and factors that affect approval speed.

Coventry fixed rate mortgage

Explore Coventry fixed rate mortgage options to lock in stable repayments, plan your finances confidently, and find the right deal for you.

Will mortgage rates go down in 2025?

Will mortgage rates go down in 2025? Explore expert predictions and trends to see what could happen to UK mortgage rates next year.

Disadvantages of paying off a mortgage in UK

Disadvantages of paying off a mortgage in UK: reduced liquidity, lost tax relief, opportunity cost and reduced financial flexibility.

How does the first direct offset mortgage work?

How does the first direct offset mortgage work? Learn how it links savings to your mortgage to cut interest and shorten your loan term.

What is the average fixed mortgage rate in the UK?

What is the average fixed mortgage rate in the UK? Find out how rates affects your repayments, and discover the best ways to find new deals.

Mortgage advisor vs broker: What’s the difference?

Discover the key differences between a mortgage advisor vs broker, find out which one is better suited to your needs.

What are offset mortgages, and how do they work?

What are offset mortgages, and how do they work? Learn how linking your savings can reduce mortgage interest and offer flexible repayment options.

What are the current mortgage interest rates in the UK?

Discover the current mortgage interest rates in the UK, including fixed and variable deals. Stay informed to make smart home financing decisions.

Can a director of a liquidated company get a mortgage in the UK?

Can a director of a liquidated company get a mortgage? Learn about the criteria, challenges & how to improve your chances of approval.

What next for mortgage rates and how long should you fix for?

Discover what next for mortgage rates and how long should you fix for to make the best financial decision.

How to get a mortgage as a first-time buyer

How to get a mortgage as a first-time buyer, from saving a deposit to finding the best deal.

Remortgaging

The best way to decide about remortgaging is to ask a mortgage advisor, we have many professional advisors to choose from at Regulated Advice. Your advisor can help you assess your current d

Home buying timeline

How long it takes varies, anything from 6 weeks if you're lucky to 6 months or even longer. It can help to understand the most time-consuming parts of the home buying process so that it doesn