by Mario Waschefort | May 28, 2026 | Live Happy, Plan Well, Tips & Advice
The financial services industry often focuses on a number: how much is enough? It is an important question, but not the only one. A better starting point is: enough for what? Retirement spending is personal. Some people want travel, family support and home...
by Leo Smith | May 28, 2026 | Live Happy, Plan Well, Tips & Advice
The basic idea is straightforward. An ISA is a tax-efficient account. Money held inside it can grow free from UK Income Tax and Capital Gains Tax. Interest, dividends and gains inside an ISA do not normally need to be declared on a tax return. For the 2026/27 tax...
by Mark Buck | May 6, 2026 | Live Happy, Plan Well, Tips & Advice
If financial plans could speak, most would not begin with spreadsheets, projections or elegant modelling. They would begin with a sigh. Not an angry one. Not even a disappointed one. Just the sort of weary, knowing sigh usually reserved for watching someone say, “I’ll...
by Leo Smith | May 6, 2026 | Live Happy, Plan Well, Tips & Advice
Recent research suggests that only around 14% of UK workers are on track to retire at their desired age with the income they expect. For many, the gap between expectation and reality is not small — it can be measured in years, sometimes decades. What the 14%...
by Dan O’Sullivan | May 6, 2026 | Live Happy, Plan Well, Tips & Advice
A pay rise should feel like progress. A pension increase should feel like protection. In both cases, the aim is the same: to help income keep pace with life. For many people in the UK, the reality is more complicated. What is fiscal drag — and why does it...
by Joanne Barber | Apr 7, 2026 | Live Happy, News, Plan Well, Tips & Advice
The first thing to say is that 75 is mainly a pension milestone, not a general tax-benefit age. There is no special extra Income Tax allowance just because you reach 75. Your tax position still depends on your overall income, including pensions, savings interest and...
