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By Emma Copley

2nd October 2025

Financial advice vs DIY: When should you pay an expert?

Financial advice should be used to add value to your overall circumstances. Whether you’re thinking of an early retirement set in the South of France, with warm weather and an endless supply of good wine, or want to take a step back in your own business, an adviser can help you with a financial plan to ensure a comfortable future and could mean the difference between retiring at 60 or 70!

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By Paul Moody

15th September 2025

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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By Emma Copley

4th September 2025

Opting out - Why you should stay in your workplace pension

The cost-of-living crisis caused many individuals and their families to review and prioritise their outgoings, which may also have led to them thinking whether it is a good idea to remain in a workplace pension. Here, we challenge some of the reasons people might give when choosing to stop their pension contributions.

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By Justin Rourke

14th August 2025

Financial planning in a new era: Navigating UK tax changes to IHT, CGT & pensions

For context, this is my 20th year working as a financial planner, the last 12 and half of them spent here in the team at Armstrong Watson. In my opinion, the current and planned changes in legislation are the most seismic and impactful of my working life.  

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By Stuart Smith

30th July 2025

What does the Inheritance Tax draft legislation mean for families and businesses?

Nine months ago Rachael Reeves delivered her first budget and announced significant reforms to Inheritance Tax (IHT) legislation - to limit the scope of Agricultural and Business Property Relief and to bring unused pensions into the IHT regime - and we finally have the draft legislation. 

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By Armstrong Watson

8th July 2025

Adviser with over 30 years’ experience joins Armstrong Watson’s financial planning team

David Firth has taken up his new role at the firm’s Leeds office and brings a wealth of knowledge and expertise, having worked in the financial services industry for more than 30 years  - 25 of which have been dedicated to providing financial advice.

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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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