Are you one of the 75% of over-45s who don’t have a financial plan and worry about outliving your capital? You’re not alone—and the good news is, you don’t have to be an ostrich anymore, burying your head in the sand when it comes to your finances. At HapNav, we’ve created something truly revolutionary just … Continue reading Take Control of Your Retirement Finances with HapNav – The Future of Financial Confidence
Tag: retirement-planning
Navigating the Boom-and-Bust Cycles of Regulation: Why Holistic Wealth Planning Matters More Than Ever
Regulation in financial services is a bit like the tide—it flows in and out, driven by economic and political currents. These boom-and-bust cycles of regulation impact everything from how your savings are managed to how financial institutions operate. At first glance, regulatory changes might seem distant or irrelevant, but they directly influence the financial well-being … Continue reading Navigating the Boom-and-Bust Cycles of Regulation: Why Holistic Wealth Planning Matters More Than Ever
Housing Costs in Retirement: A Growing Concern and How to Plan Ahead
Housing is one of the greatest expenses we face in life. Traditionally, many people worked towards owning their homes outright by retirement, achieving a significant reduction in expenses just as earnings stopped. For decades, this milestone has provided financial stability in later life, easing the pressure on pension income. However, the landscape is changing. Increasingly, … Continue reading Housing Costs in Retirement: A Growing Concern and How to Plan Ahead
Understanding the New IHT Rules for Pension Death Benefits from April 2027: What You Need to Know
From 6 April 2027, pensions will no longer remain untouched by inheritance tax (IHT), marking a significant shift in retirement and estate planning. This new landscape will require pension scheme members to rethink how they manage their savings, beneficiaries, and estate plans. Let’s break down the implications and outline what you can do now to … Continue reading Understanding the New IHT Rules for Pension Death Benefits from April 2027: What You Need to Know
Why Do 80% of Financial Advisers Want to Expand Auto-Enrolment? A Closer Look at the Debate
In a recent survey by fintech firm iPipeline, over 80% of financial advisers expressed support for changes to the UK’s auto-enrolment pension system. Many called for a lower minimum age and higher contributions, aiming to bring more people into the fold. Some called for dropping the Lower Earnings Limit deduction and the trigger point to … Continue reading Why Do 80% of Financial Advisers Want to Expand Auto-Enrolment? A Closer Look at the Debate
Britain Isn’t Working: The GAME Plan as a Solution
Britain, we’re told, “simply isn’t working.” With a record 2.8 million people off work due to long-term sickness and welfare spending soaring, the nation is grappling with a crisis that’s as economic as it is social. The government’s proposed solutions – personalised job centre support, CV advice, and AI job-hunting tools – may tick some … Continue reading Britain Isn’t Working: The GAME Plan as a Solution
Retirement Planning Beyond Financial Capital: A Call for Holistic Conversations
For many, the prospect of retirement is both exciting and daunting. It’s a time to step back, reflect, and embrace new opportunities. But what if your retirement savings fall short of your expectations? For those who approach financial advisers hoping for a lifeline, the conversations they’re having might not be enough to ease their worries. … Continue reading Retirement Planning Beyond Financial Capital: A Call for Holistic Conversations
Human Capital Strategies: The Future of Retirement Planning
Retirement planning has entered a new era. For years, the focus was squarely on financial capital—tangible assets like pensions, savings, and investments. But for today’s retirees, especially those without the safety net of generous defined benefit (DB) pensions, financial capital alone isn’t enough. The spotlight is shifting towards human capital strategies—an often-overlooked but vital component … Continue reading Human Capital Strategies: The Future of Retirement Planning
A Warning to Advisers: When Tax Breaks Overshadow Life Goals
For years, the allure of tax-efficient strategies has driven financial advice, particularly in the world of pensions. Advisers have worked diligently to help clients accumulate wealth outside the reach of inheritance tax (IHT). However, the recent Autumn Budget serves as a stark reminder: political shifts can quickly dismantle even the most well-intentioned recommendations. While tax … Continue reading A Warning to Advisers: When Tax Breaks Overshadow Life Goals
Retirement Planning: Why It’s Time to Focus on Human Capital Over Financial Capital
The way we approach retirement is changing. Traditional financial planning has long centred on building financial capital—pensions, savings, and investments—to secure our future. But the cracks in this strategy are becoming harder to ignore. For many, it no longer holds up under the weight of increased life expectancy, economic uncertainty, and the changing nature of … Continue reading Retirement Planning: Why It’s Time to Focus on Human Capital Over Financial Capital
Academy of Life Planning 