Broadening the Horizon: Why the 2025 Pensions Review Must Consider Human Capital

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 →

The Power of Reviewing Your Pension: Take Charge of Your Retirement Today

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 →

Thank Goodness They’ve Put the Brakes on Expanding Auto-Enrolment!

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! →

Empowering Employees for a Secure Future: Why Financial Planning from Age 45 Matters

As a Defined Contribution (DC) pension provider or employer running a DC scheme, you play a pivotal role in your employees’ financial well-being. Supporting them to make informed, confident decisions about their financial future isn’t just good for them—it’s great for your organisation. Here’s why it’s critical to encourage employees to start financial planning from … Continue reading Empowering Employees for a Secure Future: Why Financial Planning from Age 45 Matters →

Take Control of Your Retirement Finances with HapNav – The Future of Financial Confidence

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 →

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 →

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 →