Adviser Insights Articles

Pension scams in the UK are increasingly sophisticated, exploiting complex rules and people’s trust.

Risk tolerance is a cornerstone of financial planning.

Since their introduction in 2015, pension freedoms have significantly altered the landscape of retirement planning in the UK.

Many parents and guardians consider their children’s long-term financial security, weighing up savings and investment options that could support them in adult life.

Understanding the intricacies of the UK State Pension can be helpful as you approach retirement.

Choosing to access your pension before your planned retirement is a significant decision with legal, tax and long‑term financial consequences.

Understanding the rules around the State Pension can be complex, especially when deciding whether to claim it while you are still employed.

When planning for retirement, it helps to understand the different ways you can access your pension savings.

Dilution in share ownership occurs when a company issues additional shares, reducing the ownership percentage of existing shareholders.

Salary sacrifice is a way to boost pension saving by swapping part of your gross pay for an extra employer pension contribution.

The Pension Protection Fund (PPF) is the statutory safety net for members of UK defined benefit (DB) pension schemes if their employer becomes insolvent and the scheme cannot meet its promised benefits.

Margin trading can increase your market exposure and potential returns, but it also magnifies losses and is not suitable for everyone.