July – August 2025 Newsletter

August 14, 2025 | Luke WrightLuke Wright

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 more concerning, this figure rises to nearly one in five (18%) among the Silent Generation (aged 79 and older). Such statistics highlight the urgent need for improved awareness and planning regarding pension inheritance. This lack of clarity can lead to legal complications and emotional distress for loved ones when the time comes to distribute these assets. Turn to page 07 to read the full article.

If you have accumulated wealth over your lifetime, it is never too early to plan so that any remaining wealth is distributed to your chosen beneficiaries in the most tax-efficient way. On page 40, we explain why planning ahead ensures that a greater portion of your wealth ends up in the hands of the people and causes you care about most. It also provides peace of mind for you and your loved ones.

Market volatility is an inevitable part of investing, influenced by factors such as geopolitical events like the invasion of Ukraine, trade wars, inflationary pressures, and changes in interest rates, which can cause significant market fluctuations. While it may be tempting to react to these shifts, it’s crucial to focus on strategies that mitigate the impact of turbulence and keep your long-term goals on track, as explained on page 08.

Similarly, retiring abroad may seem like a dream come true, but it could come with hidden financial costs for some British pensioners. Understanding your entitlements and planning can make all the difference, so find out more on page 08.