Should You Consolidate Your Pensions?
Multiple pension pots from different jobs? A plain-English look at when consolidating helps, and the guarantees and charges to check first.
16 September 2026 · 3 min read
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Guides and articles.
Plain-English notes on the questions I'm asked most often — pensions, inheritance tax, retirement income and investments. Information only, never advice: for that, let's have a conversation.
Inheritance Tax Planning 2026/27: Key Changes and Planning Strategies
The 2026/27 allowances, the April 2026 business and agricultural relief cap, and the April 2027 pension change — and what they mean for your family.
16 September 2026 · 6 min read
Read the articleBuilding a Retirement Income Plan That Works
Turning savings into an income that lasts: pensions, drawdown, sequencing and tax efficiency, explained without the jargon.
16 September 2026 · 3 min read
Read the articleReview Your Investment Portfolio: A Checklist for Making Sure You're Invested Right
A practical checklist for working out what you actually own, what it costs you, and whether it still matches your goals and risk tolerance.
16 September 2026 · 6 min read
Read the articleWhat Is a Deed of Variation?
A Deed of Variation lets a beneficiary pass an inheritance straight on, out of their own estate — but it must be done within two years.
17 September 2026 · 4 min read
Read the articleThe Importance of a Financial Health Check
Savings rates, your ISA allowance and your pensions — a simple once-a-year check on whether your money is working as hard as you are.
17 September 2026 · 3 min read
Read the articleWhat Is an Independent Financial Adviser?
There are two kinds of financial adviser, and most people never hear about the difference. Here's what independent actually means.
17 September 2026 · 2 min read
Read the articleInheritance Tax – Is Your Estate Liable?
Nil rate bands, the residence allowance and the frozen thresholds — a straightforward look at whether your estate is likely to be caught.
17 September 2026 · 4 min read
Read the articleInvestment Bonds and Care Cost Planning
Care fees, means testing and deliberate deprivation of assets — why planning early matters, and where investment bonds can fit in.
17 September 2026 · 4 min read
Read the articleLet's Talk Pensions
Lost pots, unknown investments and the April 2027 inheritance tax change — why your pension deserves more than a yearly glance.
17 September 2026 · 3 min read
Read the articleLasting Powers of Attorney – Why Are They So Important?
Two documents, one common misconception, and a Court of Protection application you can avoid entirely with a little forward planning.
17 September 2026 · 4 min read
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