With the Autumn Budget approaching on 28 October 2026, it is natural for savers, investors and pension holders to wonder whether they should make changes before the Chancellor delivers his statement. Budget speculation can quickly create uncertainty. There may be rumours around pensions, investments, taxation or allowances, but changing a long-term financial plan purely because of something that might happen can create more problems than it solves. There are, however, several

The State Pension is an important part of retirement income for millions of people, and changes to the way it increases could have a meaningful effect on long-term retirement planning. The Government has confirmed that the existing State Pension triple lock will remain in place until April 2030. From then, the way the State Pension increases each year will change. For people approaching retirement and those already retired the key question is not simply what the new formula

Many people know they should make a will, but it is easy to keep putting it off. Life is busy, circumstances change and estate planning can feel like something to deal with later. The problem is that dying without a valid will does not mean your family simply decides what happens to everything you leave behind. In Scotland, if you die without a valid will, you are described as dying intestate. Your estate is then distributed according to Scottish succession law rather than ac