Gray & Associates is a firm of independent financial advisors specialising in providing advice on pensions, investments, Inheritance Tax planning, wealth and personal protection.
Planning to make sure your retirement savings last
Many of us look forward to retirement as a time to relax and enjoy the fruits of our labour. However, an increasing number of retirees are facing an unexpected challenge: their lifespans are extending well beyond their initial expectations, and their financial plans may not be sufficient to keep up. This growing gap between life expectancy and financial preparedness is a critical issue for today’s retirees.
Have you fully utilised this wrapper that shields your savings and investments from tax?
An Individual Savings Account (ISA) is highly effective for anyone looking to save or invest money in a tax-efficient way. An ISA functions as a wrapper that shields your savings and investments from tax. Any interest, capital gains or dividends earned within an ISA are completely tax-free, enabling your money to grow more efficiently than it would in a standard savings account.
Maximise your pension planning before the end of the 2025/26 tax year
As the 2025/26 tax year ends on 5 April, now is the right time to review your pension arrangements and ensure you’re maximising all available allowances. Taking proactive steps in pension planning now can help you secure valuable tax relief, boost your retirement fund and prepare for the future. Acting quickly allows you to fully utilise the rules before the new tax year begins, ensuring you don’t miss out on potential benefits.
Without a sufficient financial buffer, an unforeseen health issue could be catastrophic
In the current economic climate, financial stability seems more out of reach than ever for many households across the UK. Recent research reveals a significant gap between our desire for security and the actions we actually take to attain it. Half of the UK’s workforce admits they would feel much more financially resilient if they had cover in place to protect their income should they be unable to work due to illness or injury[1].
Why keeping your financial plan relevant is more important than ever
Have you set your New Year’s financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track.
