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Personal Cash Flow Planning – Let’s Look to the FutureWritten on September 17, 2026 by Kirk Rice LLP
Key Points Cashflow planning helps bring your finances to life by showing how your income, savings, investments and spending may work together over the years ahead. It helps you look ahead and explore whether you’re on track to achieve the goals that matter most to you. A cashflow plan may show that you are already […]
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Understanding Personal vs Business ProtectionWritten on April 16, 2026 by Lisa Smith
Key Points Personal and business protection are broad categories of insurance that aim to help manage financial risk, whether that relates to your household or your business. Personal protection, including life insurance, critical illness cover, and income protection, is designed to support your household if your income or health is impacted. Business protection focuses on […]
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The Real Value of Financial Planning: More Than Just NumbersWritten on November 14, 2025 by Michael Powell
Key Points Financial planning is not just about technical knowledge, but knowing how to apply it to each client’s circumstances. Advisers aim to bring structure and clarity by organising documents, accounts and goals. Guidance is also behavioural, and may support better decisions during market volatility or periods of uncertainty. Strong client-planner relationships aim to build […]
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What else is happening whilst everyone is worrying about inheritance tax on pensions?Written on November 14, 2025 by Michael Powell
Key Points From April 2027, unused pension funds will be included in your estate for IHT purposes under the Finance Bill 2025–26. The Pensions Bill 2026 introduces measures intended to improve outcomes for savers, including DC scheme consolidation and small-pot mergers. A new Value for Money framework aims to assess schemes on overall value, not […]
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Financial Planning During Divorce: How Early Expert Advice Could Benefit YouWritten on August 28, 2025 by Lisa Smith
Financial decisions made during divorce can have long-lasting impacts. Without professional input, it’s possible to underestimate the impact of settlements, pension splits or tax liabilities. A financial planner can help you: Understand your current and future financial position Make informed choices that reflect your long-term goals Avoid costly mistakes that may be difficult to reverse […]
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How Financial Advice Could Help You Before, During & After DivorceWritten on July 28, 2025 by Lisa Smith
Before Divorce: Understand Your Position At the early stages, you may not have a clear picture of your finances. A financial planner can help you assess your income, expenses, assets, and debts. This provides a foundation for negotiating a fair settlement. Key support includes: Reviewing assets like pensions, property, and investments Evaluating likely costs and […]
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How To Top Up Your State PensionWritten on February 10, 2025 by Kirk Rice LLP
This is a great way to build pension provision for retirement. You need a minimum of 10 qualifying years of national insurance to receive any state pension at all, and at least 35 years to receive the full state pension. You can pay voluntary contributions (also known as Class 3) to receive extra years. You […]
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The 5 Biggest Pension MisconceptionsWritten on September 13, 2024 by Kirk Rice LLP
Many younger people don’t tend to think about later life finances. But a little effort put into understanding and contributing to pensions early on, can set them up for a comfortable later life. Those closer to retirement age may hold preconceptions about pensions that could lead to them not appreciating their full value. Below our […]
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The Abolition of Lifetime Allowance was Heralded as a Great Simplification – But you May End Up Paying More Tax…Written on August 27, 2024 by Michael Powell
Michael Powell – Partner, Financial Planning This article will be of particular interest to you if you have pension savings or deferred/undrawn final salary benefits. The abolition of the Lifetime Allowance means you could pay increased taxes in the future. This new legislation has several issues – but there is a solution. I’m […]
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Business Valuation – Where Do I Start?Written on October 2, 2026 by Kirk Rice LLP
