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Plain-English writing on the questions clients actually ask — pensions, inheritance tax, cash, and how to choose someone to advise you. No prerequisites, and nothing to sign up for.
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The five years before retirement.
The last stretch in which a decision can still change the outcome, and the first in which a bad year in the markets really costs you.
Read →Your pension is about to become part of your estate.
From 6 April 2027 unused pension funds count towards inheritance tax. It is already law. What changes, what stays exempt, and what is worth doing first.
Read →What your family will pay in inheritance tax.
You never pay this tax; your family does. The reliefs that reduce it work on a timescale of years, so when you start looking matters as much as what you decide.
Read →How to choose a financial planner in Bath.
You pick a planner rarely and live with the choice for years. The FCA checks worth running, what the qualifications mean, how fees work, and what to ask.
Read →How long does a pension need to last?
Average life expectancy is a midpoint, not a finish line. Plan a pension to reach it and you have roughly a one-in-two chance of outliving it.
Read →Cash is not safe. It is a slow leak.
Holding money in a savings account for the long term is one of the riskier decisions most people quietly make — not because the balance falls, but because what it buys does.
Read →Nothing matches that.
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Everything published here is general educational information about financial planning in the UK. It is not personal financial advice and does not take account of your individual circumstances or objectives. Tax treatment depends on your personal circumstances and may change. Figures quoted in each article were correct on the date shown on that article.
The value of investments can fall as well as rise, and you may get back less than you invest.
Andrew Daw is an independent financial planner and an Appointed Representative of Saltus Wealth Partnership Limited (FCA FRN 449607), trading as Duchy IFA. For UK residents only.
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