Integritas Financial Planners - Blog

A notebook with the words financial tips highlighting the financial advice given in the article for retirement.

Are You Ready for Retirement? Financial Tips in Your 50s

One of the beautiful things about reaching the half century is the sight of retirement appearing on the horizon. How close it is exactly will depend on each individual’s various life circumstances, but heading into your 50s is a good time...
A woman using income protection to protect herself from unexpected illnesses.

Why Income Protection Matters

No one expects to be out of work due to illness or injury, but it happens. When it does, your bills won’t wait. Statutory Sick Pay (SSP) is available, but it’s limited to just £116.75 per week at the time of writing, and only for up to 28...
An old couple discovering they might need to pay inheritance tax on their pension and discussing the best ways to avoid this.

Pensions and Inheritance Tax: What’s Changing?

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...
A couple talking to a financial adviser about the best way to consolidate their pensions.

Pension Consolidation: App or Financial Adviser?

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...

The Direct Financial Benefits Of Having A Will

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...
A man re-writing his will after unexpectedly divorcing his wife.

5 Outside Threats That Can Jeopardise Your Will

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...
A woman writing her will with an expert exploring the benefits of creating it.

The Benefits Of Expert Will Writing To Protect Your Legacy

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...

Can A Financial Adviser Actually Save Me Money?

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...
A financial advisor monitoring end of year taxes.

Condensed End Of Tax Year Planning Checklist

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.