Financial education and money guides
9 topic hubs covering the areas most decisions come back to. Read what's relevant to you and ignore the rest.
Core topic hubs
The groundwork everything else sits on — and whether you need help with it.
The part of a plan that only matters when everything else has gone wrong.
The single most tax-efficient thing most people will ever do.
Wrappers, holdings and how the two fit together.
The rules everyone has to work with — and the levers that matter most.
What passes on, to whom, and how much of it reaches them.
Turning a lifetime of saving into money to live on.
Three schemes, one career, and a tax charge nobody warned you about.
A wrapper with its own tax rules, and a withdrawal trap that costs people thousands.
Every section, in one place
If you already know what you're after, jump straight to it.
- Types of pension — and working out what you've got
- Finding old pensions — and whether to bring them together
- Your State Pension: forecast, gaps and buying back years
- How much should you be paying in?
- Annual Allowance and tax relief
- Carry forward: using allowance you didn't use
- Salary sacrifice
- The Lifetime Allowance, and the three limits that replaced it
- Understanding a defined benefit pension
- Dealing with inheritance tax: the four strategies
- Spending it: the IHT strategy hiding in plain sight
- Giving it away: gifts, the seven-year rule, and trusts
- Insuring the liability: whole-of-life cover and gift insurance
- Business Relief: the two-year IHT shelter — and why it's genuinely high risk
- The nil-rate bands
- The Residence Nil-Rate Band in detail
- Lifetime gifts and the seven-year rule
- Trusts: the basics
- Wills and Lasting Powers of Attorney