As we embark on the new tax year we consider why your employees reviewing their pension savings strategy presents an opportune moment to set a solid foundation for future financial stability. Early attention to their pension at the onset of the fiscal year is not just about cultivating beneficial saving habits; it’s also about ensuring they take advantage of the benefits and allowances available to them. Read more on page 08

Individual Savings Accounts (ISAs) can offer a versatile and tax-efficient way to save for the future, whether for your employees themselves, or their children or grandchildren. Now that we have entered the new financial year, significant changes to ISAs have been introduced. From 6th April, savers and investors now have a more flexible approach to using their ISA allowance. For the first time, individuals can open multiple accounts of the same type of ISA within a single tax year, from 6th April one year to 5th April the next, provided they do not exceed the annual ISA limit. Read the full article on page 06.

The rising trend of unretirement has recently seen a significant number of retirees, specifically 14% of retirees over 55 re-enter the workforce due to the inadequacy of their pensions meeting rising living costs, says new research.

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A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age).

The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.

Your pension income could also be affected by the interest rates at the time you take your benefits.

The Financial Conduct Authority doesn’t regulate trust planning and most forms of inheritance tax (IHT) planning.

Some IHT planning solutions put your money at risk, and you may get back less than you invested. IHT thresholds depend on individual circumstances and the law. tax and IHT rules may change in the future.

The tax treatment is dependent on individual circumstances and may be subject to change in future.