Pension Planning
Pension IHT 2027: What Every Pension Holder Needs to Know
From April 2027, unused pension funds will be subject to Inheritance Tax for the first time. Here is what the change means and why acting now matters.
Blog
News, guides and financial planning insights from our team.
IHT Planning
IHT Planning Strategies Before the 2027 Deadline
With the pension IHT deadline approaching, here are the key strategies to consider now to protect your estate and reduce the tax your family will face.
Tax Planning
Scottish Income Tax 2026/27: What Has Changed?
Scotland has its own income tax rates and bands. Here is a clear guide to what changed for 2026/27 and what it means for your take-home pay and financial planning.
Retirement Planning
Retirement Readiness: Are You on Track?
How do you know if you are saving enough for retirement? This guide covers the key questions to ask, the numbers to know, and the steps to take if you are behind.
IHT Planning
Using Pension Drawdown to Minimise Your IHT Liability
With pensions entering the IHT net from 2027, how you draw from your pension matters more than ever. Here is how to use drawdown strategically to protect your estate.
Tax Planning
What the 2026 Scottish Budget Means for Your Income Tax
Scotland's income tax bands have shifted for 2026/27. If you earn above £43,662 you are now paying 42% — here's what that means for your finances and what you can do about it.
Pensions
Pension & ISA Changes in 2026: A Scottish Adviser's Guide
From pension annual allowance to ISA limits and Scottish-specific tax relief, here's what the 2026/27 changes mean for your long-term savings strategy.
IHT Planning
Your Pension Could Face a 40% IHT Bill — Here's What's Changing in April 2027
From April 2027, unused pension funds will be included in your estate for Inheritance Tax purposes. We explain what's changing, who is affected, and why acting early matters.
IHT Planning
5 Strategies to Reduce Your Pension's IHT Exposure Before April 2027
From April 2027, unused pension funds will be subject to 40% Inheritance Tax. Here are five strategies worth discussing with an adviser before the deadline arrives.
IHT Planning
Pensions and Inheritance Tax: What the April 2027 Changes Mean for You
From April 2027, unused pension funds will be brought within the scope of inheritance tax for the first time.
IHT Planning
5 Steps to Review Your Estate Plan Before the 2027 Pension IHT Deadline
With the April 2027 pension IHT changes approaching, here are five practical steps to take before the deadline.
Mortgages
Understanding Your Mortgage Options
With hundreds of mortgage products available across the market, choosing the right one can feel overwhelming.
Pensions
Planning for Retirement: Where to Start
Retirement planning can feel like a distant concern, but the earlier you start, the more options you will have.
Protection
Protecting What Matters Most
Life insurance, critical illness cover and income protection are not the most comfortable topics to think about.