How to Find My Pension Pots: 5 Free Ways to Track Down Lost Pensions
A free, step-by-step guide to tracking down lost UK pension pots, including the government’s Pension Tracing Service and what to avoid.
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First Time Buyer ISA: Everything You Need to Know (2028)
The new First Time Buyer ISA launches April 2028. Learn how it works, eligibility rules, the government bonus, and whether to wait or open a Lifetime ISA now. Based on the government’s June 2026 consultation, here’s everything first-time buyers need to know.
Pension Inheritance Tax 2027: What Changes, Who Is Affected, and What to Do Now
Under proposals announced in the Autumn Budget 2024, your unspent pension pot is expected to be counted as part of your estate for inheritance tax from 6 April 2027. This guide explains what the proposals mean, who is likely to be affected, and the planning strategies you can consider in the window before the changes take effect.
Taking Money From Your Pension? The MPAA Could Permanently Limit What You Save
The money purchase annual allowance (MPAA) permanently reduces how
much you can save into your pension once you start drawing from it.
Dropping from £60,000 to just £10,000 per year, it affects anyone
who accesses their pension flexibly. This guide explains what
triggers it, what does not, and how to access pension money without
triggering it at all.
Pension Annual Allowance 2025–26: The Complete Guide for Higher Earners
The pension annual allowance sets the maximum you can contribute to your pension each tax year and still receive tax relief. For 2025-26, most people can save up to £60,000, but higher earners may face a significantly reduced limit under the tapered annual allowance. This guide explains the standard allowance, how tax relief works at every income level, the taper thresholds, defined benefit calculations, and what happens if you exceed the limit.
Planning for Retirement with Your Lifetime ISA: Complete UK Guide (2026)
Planning for retirement with a Lifetime ISA offers unique advantages that many savers overlook. With tax-free growth, tax-free withdrawals from age 60, and a 25% government bonus, LISAs can be a powerful addition to your retirement strategy—especially for basic-rate taxpayers and the self-employed.
This comprehensive guide explains everything you need to know about using your LISA for retirement, including detailed comparisons with pensions, realistic projections of what you could have by age 60, and strategic advice on combining LISAs with workplace pensions.
Importantly, with the government planning to remove the retirement feature for new savers around April 2028, understanding your options now is crucial. If you’re eligible (ages 18-39) and interested in retirement planning, opening a LISA before the changes could preserve this valuable benefit.
Learn how to make the most of your LISA for a more secure financial future.