By Tegan Gladman, Financial Planner with Anstee & Co. From the 6th April 2027, significant changes to pension death benefits and inheritance tax (IHT) will come into force. Under the new rules, most unused pension funds and pension death benefits will form part of your estate for IHT purposes, meaning pensions may no longer [...]
By Carly Buck, Financial Planner with Anstee & Co. For many families, financial planning is not just about securing your own future, it is also about making sure the wealth you have worked hard for, can benefit the next generation in the way you intended. Talking about money is not always easy. But without [...]
By Rachel Efetha Chartered Financial Planner It was announced in the 2025 Budget that changes to the ISA rules will be introduced from 6 April 2027, including a new limit on the amount that can be held in a Cash ISA. So, what’s changing? For those under age 65, the amount that can be [...]
By Rachel Efetha, Charter Financial Planner at Anstee & Co. For a lot of people, an Inheritance can come in very handy. It can pay off a lump towards your mortgage, allowing you to shorten the term and retire early. It can be used to buy the motorhome you have always coveted, or it [...]
If you are nearing retirement you might feel a little rattled after all the changes that are happening. What type of pension do you have? If you are lucky enough to have a defined benefits pension, sometimes referred to as a final salary scheme then your pension income in retirement will be unaffected. However, [...]
We are being attacked from every direction by fraudsters, including, investment scams. Below are details of how to protect yourself from investment fraud. Stopping Investment Fraud Figures from the City of London Police (the UK's National Lead Force for Fraud) indicate that criminals stole £879.8 million through investment fraud, averaging about £1,675 stolen every [...]
By John Cossons, Mortgage and Protection Designer at Anstee & Co. Firstly, what is a Green Mortgage, and should I have one? A green mortgage is meant to increase the appeal of owning a green, or energy-efficient, property. On top of the savings, you'll make on your energy bills each month. Also, the idea [...]
For many of us, our working life is stretching out. As our life expectancy rises and pension provisions become less generous reviewing your financial plans has never been more important. As we work longer, it is highly unlikely that we will have just one career path. The day's of a "job for life" has [...]
First of all, putting a retirement plan in place is key. The saying, “We don’t plan to fail, but we fail to plan”, has never been truer. If you are in your late fifties/early sixties and starting to think about retirement, there is certainly a lot to think about! So where do you start? [...]
By John Cossons, Mortgage and Protection Designer. With the ever-increasing cost of living, is your retirement income keeping up? We are all feeling the pressure of the rising cost of fuel to heat our homes and keep our cars moving, along with the relentless increase in the general cost of living. You may have [...]
