Recent changes to inheritance tax (IHT) rules on unused pension funds have created a quiet storm, but the impact could be catastrophic for many pensioners. From 2027, unused defined contribution (DC) pension funds inherited after the age of 75 will no longer be exempt from IHT. This has profound implications for retirees and their families, … Continue reading The Hidden Tax Raid on Pensions: What You Need to Know →

Taking money from your pension pot at the age of 55 might seem like a tempting prospect. After all, it’s your hard-earned savings, and the freedom to access it early can feel empowering. But before making any decisions, it’s important to understand the potential benefits and risks involved. Let’s explore the pros and cons to … Continue reading The Pros and Cons of Taking Money from Your Pension Pot →

The government’s upcoming 2025 pensions review has sparked important conversations around the assets that underpin our financial futures. While many are rightly championing the inclusion of rainy day savings and property alongside pensions, the focus needs to go much further. If we stop there, we risk creating a narrow framework that inadvertently favours financial capital … Continue reading Broadening the Horizon: Why the 2025 Pensions Review Must Consider Human Capital →

As retirement approaches, many people feel a growing need to review their financial arrangements. Recent studies show that the more you review your plans, the better you feel about your financial future. But here’s the good news: reviewing your pension doesn’t have to involve an ongoing relationship with a financial adviser. In fact, you can … Continue reading The Power of Reviewing Your Pension: Take Charge of Your Retirement Today →

For once, it feels like common sense has prevailed. The decision to pause the expansion of auto-enrolment pensions is a welcome relief, especially for businesses and individuals already feeling the strain of financial pressures. Increasing minimum contribution rates, reducing the minimum enrolment age from 22 to 18, and removing earnings thresholds might sound like progressive … Continue reading Thank Goodness They’ve Put the Brakes on Expanding Auto-Enrolment! →

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 →

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, 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 →