Welcome to our latest November/December 2025 edition.

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Featured in this issue:

 

Pensions to fall under Inheritance Tax rules from April 2027

How upcoming changes could affect estate valuations and beneficiary payouts

 

VAT on private school fees: the increasing cost of education

How new tax rules are reshaping family finances and long-term planning

 

Five ways to maximise tax year-end planning opportunities 2025/26

Smart financial moves to consider before the tax year ends on 5 April 2026

 

Almost half of UK adults are unaware of their pension savings

New data uncovers a concerning gap in pension awareness and confidence across all generations

 

When is the right time to invest?

Why market timing rarely works—and why long‑term consistency matters

 

Why silence costs families

Planning, talking, and protecting more of your legacy from tax and disputes

 

The power of dividends

How can they assist investors in expanding their portfolios?

 

A third of UK adults have voluntarily increased pension contributions

Even small top-ups or one-off payments could accumulate to thousands in future retirement savings

 

Are you holding too much in cash?

Falling inflation and rate cuts could change how savers think about their money

 

What should you consider as you approach your retirement?

Key financial and lifestyle checks to get ready for life after work

 

Planning to retire sooner rather than later?

Beginning your planning early significantly influences your retirement choices

 

Trusts for estate planning: what, when and how?

How trusts can assist in organising family wealth and safeguarding future generations

 

Early retirement: benefits, trade-offs, and realities

Weighing freedom, finance and fulfilment before stepping away from work early

 

Secrets of calculating a wealthy retirement

Why understanding your numbers early can greatly influence your future lifestyle

 

Retirement planning for high-income earners

Understanding key pension limits and alternative methods to build long-term wealth

 

Six ways to reduce Inheritance Tax bills

How can careful planning help you safeguard more of your wealth for future generations?

 

Pension recycling

Why it's essential to consider your next steps and avoid falling foul of complex rules

 

Navigating investment risks in retirement

Financial challenges that could impact your income and lifestyle during your golden years

 

Cost of raising children in the UK

Reassessing how to balance family ambitions with financial security

 

Should I use my pension to pay off my mortgage?

Exploring the long-term implications of using your pension lump sum to clear mortgage debt

 

Financial independence is out of reach for millions in the UK

New research reveals that some working-age adults feel unable to save or plan with confidence for the future

 

How Gen Z can supercharge their pensions

Small monthly contributions today could add tens of thousands to future retirement savings

 

Concerned about outliving your pension in retirement?

Analysis shows how withdrawal rates, investment growth, and planning choices affect the longevity of your savings

 

Half of UK workers are concerned about their financial resilience

New research warns millions could face hardship if illness stops them working, yet few have protection

 

Two-thirds unaware bonds aid inheritance and tax planning

As Inheritance Tax rules develop, many miss opportunities to transfer wealth more effectively

 

Protect, grow and nurture your wealth

Let’s build your financial future so you can focus on what really matters. For further information or to discuss your requirements, please contact us. 

 

We look forward to hearing from you!

 

Please note that this publication was prepared prior to Chancellor Rachel Reeves’ Autumn Budget on Wednesday, 26 November 2025.

 

If you would like to disuss any of the articles in this publication or your financial future, please get in touch with Michael on 023 80848410 or email enquiries@oysterfinancialplanning.co.uk