Planning & Future

Plain-English explanations to help you understand common planning topics. This page is general information only — not advice or a personal recommendation.

Important: Rules, allowances and legislation may change and their impact depends on individual circumstances. Consider seeking regulated financial advice or legal/tax guidance before making decisions.

Legal & Estate

Wills & Estate Basics

What a will does, how executors/beneficiaries fit in, and how wills link to wider estate planning. Neutral overview only.

Inheritance Tax (IHT) Basics

High-level concepts around thresholds and allowances. Tax rules can change and outcomes depend on circumstances.

Power of Attorney

Overview of lasting powers of attorney (LPA), attorneys’ roles, and typical considerations. Information-only.

Money & Day-to-Day

Budgeting & Planning

Neutral principles for tracking income/expenses, building buffers, and planning ahead without product recommendations.

Retirement Overview

How pensions generally work (state vs private), tax relief concepts, and timelines — explained in plain English.

Mortgage & Property Planning

Key terms (LTV, repayment vs interest-only), typical stages, and the role of lenders/solicitors. No recommendations.

Home Ownership Options

Help to Buy & Schemes

Neutral overview of how common schemes have generally worked and typical eligibility concepts. Rules can change.

Trusts (Information-Only)

What a trust is, common types and roles (settlors, trustees, beneficiaries). For general understanding only.

Equity Release (Info-Only)

Plain-English explanation of how equity release generally works and typical considerations. Not a recommendation.

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