Welcome to our latest issue. We hope you find it insightful and that it offers fresh perspectives on topics you may be exploring. Our goal is to ensure every aspect of your financial wellbeing aligns with your life goals, family priorities, and future aspirations.
Featured in this issue:
Inheritance Tax gift rule many families may be overlooking
72% of UK adults unaware gifts from surplus income are IHT-exempt
Five questions to ask yourself before retirement
Are you doing enough today to give yourself the freedom and choices you want tomorrow?
Protecting your loved ones with a Will
Providing greater control over your assets and protection for those who matter
Safeguarding your retirement wealth
From cold calls to fake investments, recognise the warning signs of pension scams
Autumn Budget 2026 tax watch
With the main taxes ruled out, attention is shifting to other revenue generators
Why investment diversification matters in an uncertain world
Geopolitical tensions, trade disputes and energy shocks can quickly affect markets
What I wish I’d known before I retired
Nearly a third of retirees say their standard of living is worse than before retirement
Understanding pension drawdown
Taking control of your pension income means considering the tax consequences
What will retirement look like for you?
Practical ideas for creating a purposeful and enjoyable next chapter
Are you and your partner ready for retirement?
Why couples should talk about pensions and retirement plans
Reconsidering how to use pension savings and pass wealth to the next generation
It is increasingly important to consider pensions alongside other assets when planning
Ten years to go: is your retirement plan on track?
How to prepare your finances and make the most of the decade before retirement
Britons face Inheritance Tax confusion
How the gifting rules are leaving some families in the dark
Giving money or valuable possessions to loved ones
54% of over-55s have no record of gifts given in the previous seven years
The true cost of raising a child in 2026
From childcare and essentials to education and everyday expenses
Upcoming changes raise concerns among savers
More than one in five adults report a decline in pension confidence
Could looking after grandchildren add to your State Pension?
A little-known National Insurance credit could reward you and give you a financial boost
Bringing your pensions together
A long-awaited way to view your pension savings in one place is finally taking shape
How pensions could help parents avoid the £100k childcare cliff edge
Half of people are unaware that pension contributions can reduce adjusted net income
How much pension do you need to retire at 50?
Achieving an early, comfortable retirement requires careful planning
Securing income in retirement
Building financial security for later life
Should you give your home to your grandchildren?
Gifting your home could help your grandchildren, but may carry tax and financial risks
Helping you plan with confidence
Life rarely follows a straight path. We can help you adapt your financial plans, pursue your ambitions and protect your family's future. To discuss your financial needs, please contact us on enquiries@oysterfinancialplanning.co.uk or call 02380 848410. We hope you enjoy reading this issue and look forward to hearing from you.
![Welcome to our latest issue. Inside, we explore a new study that reveals a startling insight. As many as one in six (15%) individuals with a partner are unclear about who will receive their pension savings if they pass away before accessing them[1]. Even](https://cloudfront.sketchanet.com/u/535295/images/3840/1751623729summer.png)
