Blog
Money questions, answered with sources
Guides, news and reviews on UK pensions, ISAs, inheritance tax and retirement planning, with every figure linked to its official source. Guidance, not personal advice.
Academy
Plain-English guides to UK pensions, tax and estate rules.
AcademyInheritance tax when second parent dies: a worked exampleHow the £1 million couple allowance works for inheritance tax when the second parent dies, with a worked example and the 2027 pension change. Check yours.
AcademyHow much do I need to retire in the UK?The latest UK retirement income standards, turned into pension pot sizes for singles and couples. See the maths, then check your own numbers.
Academy7 year rule inheritance tax: how lifetime gifts are taxedHow the 7 year rule for inheritance tax really works: taper relief, the £3,000 exemption, gifts from income and the traps. Model your own gifts.
AcademyHow to find old pension pots you have lost track ofA step-by-step way to find old pensions from past jobs using the free Pension Tracing Service, plus the questions to ask each provider. Start today.
AcademyISA allowance 2026/27: how the £20,000 limit worksHow the £20,000 ISA allowance splits across cash, stocks and shares and Lifetime ISAs, plus the £12,000 cash cap from 2027. Plan your year now.
AcademyCan I retire at 55? What the move to 57 means for youCan you still retire at 55 in the UK? The pension age rises to 57 in April 2028. See who is caught, the bridge to State Pension, and the sums.
AcademyPension tax relief explained, and how to claim every poundHow pension tax relief works at 20%, 40% and 45%, how to claim the higher rate part from HMRC, and the limits that apply. Check your own relief.
News
What changed in UK rules and data, and what it means for your plan.
NewsPensions dashboard launch date: what we know in October 2026The 31 October 2026 connection deadline is weeks away. Here is when the free pensions dashboard should open, and how to find old pensions meanwhile.
NewsIs the pension tax-free lump sum being scrapped? The factsRumours that the 25% pension tax-free lump sum would be cut came to nothing. Here are the current rules, the latest withdrawal data and the traps.
NewsSalary sacrifice pension calculator: what the £2,000 cap from 2029 costs youFrom April 2029 only £2,000 a year of salary sacrifice will be free of National Insurance. See who pays more, how much, and what still works.
NewsIHT on pensions from 6 April 2027: what changes and who paysFrom April 2027 most unused pensions count for inheritance tax. See who pays, what is exempt and how much more an estate could owe. Check your estate.
Reviews
Side-by-side looks at options, services and tools, with sources.
ReviewsAI financial advisor in the UK: what it can do, and where it stopsCan an AI financial advisor be trusted with your pension? What UK rules allow, how to test any AI money tool in 6 checks, and when to see a human.
ReviewsFree financial advice in the UK: 6 services reviewedWhere to get free financial advice and guidance in the UK, what each service can and cannot do, and when paying an adviser is worth it. See your options.
ReviewsISA vs SIPP: a side-by-side review for UK saversISA vs SIPP compared on tax relief, access age, withdrawals and inheritance tax, with worked numbers for basic and higher rate savers. Find your fit.
ReviewsAnnuity vs drawdown: an honest side-by-side reviewAnnuity vs drawdown compared on income security, flexibility, tax and what passes on at death, with the latest FCA data. Find the fit for you.