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By Justin Rourke

10th June 2025

Ensuring your pension lasts through your retirement - Risks and strategies for flexible pension drawdown

By understanding and implementing a decumulation strategy, you can help ensure your retirement savings last and provide the income you need throughout your retirement.

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By Justin Rourke

8th May 2025

Turning 75 and the impact on tax-free cash, pension tax relief and death benefits

This age represents a significant juncture in pension legislation that affects several aspects of your retirement planning, including how your pension is managed and the tax implications associated with it.

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By Armstrong Watson

30th January 2025

Armstrong Watson urges Government to rethink IHT increase on farmers in new report

Armstrong Watson is among a group of accounting firms across England and Scotland who have raised concerns about the wider impact of Rachel Reeves’ proposals to cap Inheritance Tax (IHT) reliefs for agricultural and business property.

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By Marcus Dodds

17th December 2024

Should I set up a charitable trust?

If you’d like to help causes close to your heart, setting up a charitable trust could be an effective way of managing your estate for the benefit of others. A charitable trust can be set up to make donations during your lifetime and as part of your inheritance when you die.

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By Justin Rourke

5th November 2024

Don’t panic! Unpacking the 2024 Autumn Budget

There are two clear headlines for financial planners and our clients from the Autumn Budget - unused pensions are to become subject to Inheritance Tax, while Capital Gains Tax rates have increased and the ISA allowance was ignored. 

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By Justin Rourke

30th October 2024

Autumn Budget 2024: Inheritance Tax

There is no doubt the Autumn Budget 2024 will be a very difficult budget to digest for many people, particularly those who have already taken risks and been diligent with their financial planning.

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By Justin Rourke

25th September 2024

Speculation mounting ahead of 2024 Autumn Budget

Ahead of Labour’s first budget, speculation in many news reports has gathered pace - suggesting that it could be especially grim -  and Rachel Reeves, Chancellor of the Exchequer, has now laid the groundwork to ensure we won’t be surprised by tax hikes. 

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By Emma Copley

19th September 2024

How does the reduction in CGT exemption affect your investments?

Previously, individuals could realise gains up to £12,300 without incurring any Capital Gains Tax. With the exemption now at £3,000, more investors will find themselves liable for CGT on gains that would have previously been exempt.

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By Armstrong Watson

12th September 2024

The importance of pension planning for young people

Most retirees are in receipt of pensions - whether this is via drawdown or annuities – and nearly everyone will find themselves relying on monies set aside in their earlier working lives to support them in retirement. For this reason, pensions are just as important - perhaps even more so - to young people as they are to those approaching retirement.

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By Paul Moody

5th September 2024

Should I invest in a buy-to-let property or a pension?

Pensions and the purchase of buy-to-let property continue to be popular investment vehicles for retirement planning.

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