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Discover the charm of Portugal’s second city

From 6 April 2027, proposed reforms will bring all pensions into the estate for IHT purposes. This guide sets out what’s changing, who is affected, and the strategies you can use to adapt.

The heart of a happy retirementMore time, fewer connections — it’s a reality many face after leaving work.But friendship, community, and shared experiences aren’t just “nice to have” — they’re vital for happiness, health, and a sense of purpose. We’ll inspire you with ways to keep your social world vibrant, your mind engaged, and your heart full — so you stay connected, supported, and part of something bigger.

what we know—and what’s changing fast—about cholesterol, statins, and the future of cardiovascular prevention.

The best retirements aren’t just well-lived — they’re well-planned. When you feel confident about your finances, you’re free to focus on the life you want to lead. We’ll help you understand your options, make the most of your pensions, savings, and investments, and create a plan that fits your lifestyle and goals. Clear, simple, and built around you.

The winds of change are blowing through the UK's fiscal landscape, and a long-standing feature of estate planning – the inheritance tax gifting allowance – may be about to be swept up in the storm.

A major parliamentary report has called into question whether the Lifetime ISA (LISA) is truly fit for purpose

Your career may have defined you — but it doesn’t have to define what comes next.‍Shape your lifestyle and purpose now, so retirement becomes a launchpad, not a question mark.From bold adventures to everyday joys, from learning something new to giving back — we’ll help you create a life you love, on your terms

homes need to be both warm and cool—and doing that efficiently matters more than ever.

A clear, foundational overview of what pensions are, how they work, and why they matter

Key Economic Indicators - Your Monthly Roundup of the Latest Financial Indicators

Outlines the key types of UK pensions: State, Workplace (DC and DB), Personal, and SIPPs — with pros, cons and examples.

Transform your ski experience with our "Ski-ready GUIDE," the essential pre-habilitation program designed to build a stronger, injury-resilient body for the slopes. Discover the four pillars of ski fitness—strength, core stability, agility, and endurance—along with a comprehensive six-week workout plan that ensures you glide effortlessly from the first chair to the last run. Don’t let injury sideline your adventure; Prepare your body now and conquer the mountain with confidence.

Wrap-up chapter offering a comprehensive checklist to review your pension and retirement planning, plus useful tools and next steps.

Your DC pension is a powerful investment tool for your future, but it needs your attention to reach its full potential. By actively managing your pension, you're not just saving—you're investing in a more secure and prosperous retirement.

Retirement should be designed — not drifted into. “87% of UK adults have clear aspirations for retirement — but only 15% have a plan to afford them.” – Barnett Waddingham, The At Retirement Reckoning (2025)

You don’t need fancy gear, a gym membership, or hours of free time. A pair of comfortable shoes and a commitment to move with intention are all it takes

Understanding when these bursts happen allows us to intervene early, at the times when lifestyle changes may have the biggest payoff.

True readiness goes beyond just money. This is a quick self-check—not a test, but a chance to reflect on how prepared you are for the next exciting phase of life.

Understand the key risks that can erode pension income over time and how to structure withdrawals to manage them.

Compares pensions with ISAs and property — highlighting when pensions are most effective, and where flexibility or simplicity might lead to other options.

The MPAA can limit your ability to rebuild pensions after taking income. Learn how it works, what triggers it, and how to avoid tax traps.

A resilient retirement plan can withstand inflation, market shocks, health costs, and long life. This chapter shows how to plan for the unknown.

Pulls together all pension knowledge into a personal, flexible, and tax-efficient retirement plan. Covers income structuring, asset segmentation, and ongoing reviews.

Pensions are changing from 2027. This chapter explains how death benefits work now, what’s changing, and how to pass on pension wealth tax-efficiently

Explains how to retire gradually by combining flexible work, partial pension withdrawals, and careful planning. Covers tax and MPAA rules

Explains how annuities work, when to use them, and how they can provide guaranteed retirement income. Includes pros, cons, options, and example.

Helps couples coordinate withdrawals, optimise tax allowances, and plan survivor income or inheritance. Includes real-life strategy examples and tax planning tips.

Practical ways to combine pensions, ISAs, annuities, and other savings to build a sustainable retirement income plan. Covers real-world strategy models and tax coordination.

Explains common tax mistakes people make when accessing pensions and how to plan withdrawals tax-efficiently to reduce waste and preserve flexibility.

Explains how the 25% tax-free lump sum works across pension types, what the new limits are after LTA abolition, and how to use the lump sum effectively.

Explains how DB pensions pay out at retirement, how income and lump sums are calculated, inflation protection, spouse benefits, and whether transfers are worth considering.

Covers drawdown, UFPLS, annuity purchase, full encashment and how to choose between them — with pros, cons and tax considerations.

Explains access ages for pensions, early access conditions, and compares options like drawdown, UFPLS, annuities, and DB scheme income — with tax and flexibility in mind.

Clear breakdown of who can contribute, how much, how tax relief works, employer vs personal contributions, and common planning tips.

Shows how to manage pension drawdown for long-term income. Covers safe withdrawal rates, investment risks, annual reviews, and flexible income strategies.

Explains what the Lifetime Allowance was, what changed in 2023 and 2024, how lump sum limits now work, and why LTA protections still matter for high-value pension holders.

Full explanation of the Annual Allowance, tapering for high earners, carry forward rules, and DB testing — including who it affects and how to avoid tax charges.

A detailed guide to how pension tax relief works in the UK, including examples, self-assessment claims, and limits based on income and contribution type.

A glossary of key pension-related terms

Mindfulness enhances lifestyle planning by promoting intentional living and awareness.

A balanced lifestyle is key to well-being; prioritize self-care and set boundaries.

Adapting to change is essential for growth; stay open-minded and reassess your goals.