For many families, financial planning becomes more complicated as wealth grows. Early on, the focus is often simple: build savings, contribute to pensions, pay down debt and stay on track. But later in life, the questions become more layered. Can you afford to retire when you want to? How much can you gift to children or grandchildren without putting your own future at risk? What do you want to leave behind, and how can you do that efficiently? These are not separate question

A financial plan should never be something you create once and then forget about. Life changes. Priorities shift. Income rises and falls. Families grow. Mortgages change. Retirement comes closer. Even if your goals stay broadly the same, the path to reaching them can look very different over time. That is why a good financial plan is not static. It should be reviewed regularly and, more importantly, revisited when major life events happen. CPW’s live service structure reflect

Inheritance tax planning has become a more important conversation for many families, not less. For years, some households have structured their finances with the expectation that pension wealth may sit outside the taxable estate for inheritance tax purposes. But from 6 April 2027, that position will change in a significant way. The government has confirmed that most unused pension funds and pension death benefits will be brought within the value of a deceased person’s estate