Integritas Financial Planners - Blog

Inheritance tax is increasingly affecting ordinary families, not just the very wealthy. With property prices and investment portfolios rising over time, many households now risk leaving their loved ones with a larger tax bill than...

Self-Invested Personal Pensions (SIPPs) give investors more control over how they grow their retirement savings. Unlike standard workplace pensions, a SIPP allows individuals to choose from a wide range of investment options including...

When you reach retirement, your pension savings can be accessed in several ways. The most common choices are annuities, flexi-access drawdown, or Uncrystallised Funds Pension Lump Sums (UFPLS). An annuity provides a guaranteed income for...

It’s easy to lose track of your old workplace pensions. Every time you change jobs, a new pot gets left behind, often with its own charges, investment strategy, and login details. Over time, those scattered pensions can make it difficult...

A Comparison of Two Individuals Earning the UK Average Wage Introduction At Integritas Financial Planners, we are committed to helping individuals make informed decisions about their financial futures. This case study compares two...

Building a Secure Financial Future From the Start

In the Autumn 2024 Budget, Chancellor Rachel Reeves announced a significant shift in how pensions will be treated for inheritance tax (IHT) purposes. From 6 April 2027, most unused pension funds and death benefits will be included in the...

Exploring Likely and Possible Changes to Pension Commencement Lump Sums Ahead of the November 2025 Budget As the November 2025 budget approaches, one question continues to crop up from clients: “What changes will be made to Tax Free Cash...

Most people know they should write a Will but it’s easy to put off, especially when you’re in such good health. It feels morbid, maybe even a little bit like tempting fate, and like something that can be done later. But the reality is,...

You’ve already worked hard to get your business off the ground, and now you need some stability to really kick on and firmly establish your brand in the business landscape. Owning your commercial property is the dream, but you’ll need to...