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