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September 3, 2026 | Advice, General info, Tips
By Samuel Mather-Holgate For years, pensions have occupied a particularly valuable place in estate planning. Unlike most other investments, unused pension funds have generally been able to sit outside an individual’s estate for Inheritance Tax purposes. This has meant that many people have deliberately spent ISAs, savings and other assets first while leaving their pension…
September 1, 2026 | Advice, General info, Tips
By Samuel Mather-Holgate If you have changed jobs several times during your career, there is a good chance you have built up more than one pension. One pension might be with a former employer. Another may be an old personal pension. You may also have a current workplace pension receiving contributions today. That often leads…
August 20, 2026 | Advice, General info
Written by Sam Mather-Holgate, Independent Financial Adviser Key Takeaways St James’s Place advisers are not independent financial advisers; they advise within the St James’s Place proposition. An independent financial adviser can consider suitable products and providers from across the wider market. Restricted advice is not automatically poor advice, and independent advice is not automatically better….
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