Practical, jargon-free guides to UK retirement planning — pensions, tax, the State Pension, inheritance, and more.
Why a projection cannot tell you, sequence-of-returns risk with a worked example, what a 90% chance means, and the four levers that move it.
Read more → Retirement PlanningWhere the rule came from, why it travels badly to the UK, why it is too cautious once the State Pension is counted, and four answers from one £500,000 pot.
Read more → PensionsTax relief gives the pension a head start, but the answer is closer than you think. A 20-year worked example, when the relief really decides it, and an order of priorities.
Read more → Business OwnersFour doors out of a limited company, what each costs in tax in 2026/27, and a worked example with £1 million.
Read more → Retirement PlanningSize the gap, decide which money to spend first, keep every personal allowance working, and stress-test the years before 67. A worked example with 2026/27 figures.
Read more → TaxWhat £2,500 a month after tax costs before tax, where the tax-free cash fits, and why a couple pays far less than one person on the same income.
Read more → Inheritance TaxUnused pension funds join the estate from 6 April 2027. Who it affects, the numbers, and the questions to work through before then.
Read more → CouplesTwo allowances, two State Pension dates, one spending target. How to plan the household, and what happens to the plan when one of you dies.
Read more → PropertyStamp duty, fees, a dearer replacement and timing all eat into the headline figure. A worked example, and what to check before you count on it.
Read more → PensionsAll at once, a slice with every withdrawal, or not yet. Three worked examples with 2026/27 figures, and the questions that decide it.
Read more → Product NewsA fresh look, the new “What would it take?” tool, proper support if you’ve already retired, better planning as a couple, Plan history and layouts for every screen.
Read more → Retirement PlanningRetirement Living Standards, pension pot sizes, tax, inflation, and how to work out your personal number. Practical figures for a minimum, moderate, and comfortable retirement.
Read more → State PensionFull amounts for 2026/27, how qualifying years work, pension age changes, the triple lock, and how to top up voluntary NI contributions.
Read more → Inheritance TaxNil-rate bands, the residence nil-rate band, PETs, taper relief, Business Relief, life insurance, and the 2027 pension change.
Read more → Tools & AppsWhat seven UK retirement planning tools cost, where they run and what they model, checked against each provider’s own site. Written by us, so we say where Isaac fits too.
Read more → TaxHow frozen income tax thresholds quietly erode real pay — with a data-driven look at how fiscal drag has grown over four decades.
Read more → Retirement PlanningA deeper look at the personal factors that shape your retirement number — beyond the standard benchmarks.
Read more → Specialist PlanningMandatory retirement ages, DB-to-DC transitions, tax traps, and why pilots face a uniquely complex financial picture.
Read more → For EmployersThe case for offering pension planning as a workplace benefit — the business impact, employee appetite, and how to start.
Read more →Free to start. No jargon, just honest maths.
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