Choosing the right life insurance – joint, dual or individual cover?
Joint life insurance may seem like the easy choice, but it only pays out once and can complicate things if your relationship ends. Dual life insurance cover is an alternative to individual and joint policies. We can help evaluate the different life insurance options.
Don’t rely on gut instinct for your retirement needs
Don’t leave retirement to chance. One in six rely on gut instinct to plan later life, yet nearly half fear running out of money. With so many unknowns, planning is key. Get clarity now to secure the lifestyle you want later.
Nearly three quarters of people don’t understand Inheritance Tax
Nearly three quarters of UK adults don’t understand Inheritance Tax, while 40% consider estate planning to be the ‘last great family taboo.’ Avoiding conversations and advice could cost families dearly – especially as more estates fall into the tax net.
Why dedicated dressing room spaces are in demand
Dressing rooms are growing in popularity, offering luxury and convenience. They can give your home a competitive advantage, potentially adding up to £40,000 to the property’s value. Neutral tones boost resale appeal, while personalised touches make the space uniquely yours.
What are the biggest homebuyer concerns?
Buying a home is an exciting time, but it comes with stresses. The leasehold system is the fastest-growing cause for concern among homebuyers. Affordability is the main source of worry, with Stamp Duty and house prices cited as key challenges.
Supporting generations – helping family without compromising your financial future
More high earners are financially supporting both their children and parents, with many adjusting their financial plans to accommodate family support. Balancing generosity with long-term security is vital; careful planning helps you support family without compromising your own future.
The big move – one in six relocating in 2025
One in six homeowners are planning to relocate this year. Key priorities include garages, gardens, and utility rooms. Many renters are aiming for homeownership, but affordability remains a concern, with many relying on family support for a purchase.
Navigating the great wealth transfer – what it means for you
With up to £7trn set to change hands across generations, the great wealth transfer is reshaping the future. Whatever your age, proactive planning and open family conversations are key to securing your financial goals.
“The versatility of equity release in addressing diverse financial goals”
Confidence seems to be returning to the equity release market, with total lending topping £622m in Q4 2024. Homeowners are unlocking their property wealth for various reasons, such as home improvements and retirement income. Professional advice is essential.
Bridging the wealth divide for future generations
The generational gap in wealth accumulation is stark due to evolving economic conditions and an ageing population. Younger generations hold just 4% of UK wealth. Planning ahead is key to protecting your family’s future and bridging the generational wealth divide.