Integritas Financial Planners - Blog

Pensions aren’t currently included in your estate for tax purposes, but that is set to change in just over a couple of years’ time. Starting in April 2027, pensions will be treated as part of your estate, and thus liable for inheritance...

Consolidating pensions seems straightforward, as you are simply combining everything into one pot to make life easier. Many pension apps promise this with a few taps, but is it always the right move? Without financial advice, you might be...

Creating a Will is all about taking control of your legacy and securing your family’s financial future. The benefits of a Will - expertly drafted - include ensuring the people and causes you care about are protected, your assets are...

Creating a Will is an important step to take, but it doesn't necessarily guarantee your wishes will always be followed. This is because there are multiple external factors that can have a significant impact on how your estate is...

The end of the road awaits us all, but not everybody will arrive there with peace of mind that they have done their best to protect the loved ones they must leave behind. Such peace of mind is clearly one of the main benefits of writing a...

Managing finances involves more than keeping an eye on major expenses, and it’s pretty easy to overlook certain inefficiencies that quietly drain your resources. It could be hidden fees or unbalanced investments, or even just missed...

As the 2024/25 tax year ends on 5th April 2025, reviewing your financial position is crucial to optimise savings, investments, and tax efficiencies. Let’s explore key actions to consider before the tax year closes.

Inflation doesn’t just impact daily expenses such as the price of groceries creeping up or household bills stretching budgets thin, it also quietly nibbles away at the value of your savings over time.

Heading into your 30s is a big moment in life, with it usually being around this time that you start getting serious about securing your financial future. Your career path is likely taking shape, and you have a good idea of where you’re...

How long you work with a financial adviser will depend a lot on your goals, financial situation and the kind of support you need. At Integritas, we often recommend a longer-term relationship as this approach maximises the value we can...