There’s a quiet but significant shift happening in the world of Inheritance Tax (IHT) and it’s one that could catch far more families than many realise. For years, pensions have been one of the most effective ways to pass on wealth. Kept outside of your estate for Inheritance Tax purposes, they’ve often been the last…
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Recent analysis of UK banking data found that £325 billion is currently sitting in UK current accounts earning no interest at all, a vast pool of money quietly losing value every day as inflation erodes its purchasing power. 87% of the country’s 86 million current accounts pay no interest. Even more striking is that 6.5 million of these…
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When most people think about investment risk, they focus on how markets perform over the long term. However, for retirees drawing an income from their pension, the order in which investment returns occur can be just as important as the returns themselves. This is known as sequencing risk, and it can have a significant impact on how long…
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For many years, buy-to-let property was seen as one of the most reliable ways to build wealth in the UK. Investors benefited from rising property prices, strong rental demand and favourable tax treatment. However, over the past decade the landscape has changed dramatically, and for many landlords the rewards are no longer as compelling as…
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Periods of geopolitical tension inevitably cause anxiety for investors. Recent developments in the Middle East have once again reminded us how quickly global markets can react to uncertainty. Headlines become more dramatic, commentators predict the worst, and market volatility often follows. At times like these, the most important factor influencing investment outcomes is not the…
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Technology has always played a supporting role in good financial planning, but only when it genuinely improves accuracy, clarity, and service. One of the most valuable tools we have introduced recently is the Plaud AI device, which helps us both during meetings and long after they’ve finished. We initially spotted it on Indiegogo, a crowdfunding…
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Inheritance Tax (IHT) has long been regarded as a concern for a relatively small number of wealthy families. However, recent figures suggest that this perception is increasingly out of date – and the years ahead are likely to see IHT become an even more prominent part of mainstream financial planning. The latest data from HM…
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When most people think about critical illness, they imagine it as something that happens much later in life, perhaps in their 60s, 70s or beyond. It’s a comforting assumption, but one that simply doesn’t reflect reality. Recent claims data paints a very different picture. Across a wide range of serious conditions, the average age at…
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The Office for National Statistics (ONS) has released data on sickness absence in the UK labour market which showed 148.9 million working days were lost due to sickness or injury in 2024. The figure equates to 4.4 days lost per worker and is a 9% year-on-year decrease. In 2023 the number stood at 163.8m. Despite…
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Alasdair joined Foresight in October 2024 as one of our Client Managers, working with Damiene Mitchell in Michael Barnes’ Team. Alasdair brings over eight years’ experience in financial services to the team, having previously worked in paraplanning and administration roles at other practices. Alasdair has developed a detailed, behind-the-scenes understanding of how high-quality financial advice is…
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