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Go back to Financial Services

pension planning

New research highlights the urgent need for better pension planning

A new survey has found that many people are unaware of upcoming pension changes and the importance of planning ahead. While there is plenty of media attention on what surprises... read more →
  • October 8, 2025
  • SMH Financial Services
pension triple lock

Understanding the State pension triple lock and future tax implications

The factors determining next April’s State pension increase are now clear, hinting at a challenge postponed until the 2026 Budget. The basis for increases to the old and new State... read more →
  • October 8, 2025
  • SMH Financial Services
government bonds

Investing in government bonds: a guide to gilts and their returns

As the autumn budget draws near, government bonds are once again attracting attention. In what can seem like an effort to confuse, government bonds are often referred to as gilts.... read more →
  • October 8, 2025
  • SMH Financial Services
pension lump sum

Should you take your 25% tax-free pension lump sum before the autumn budget?

Are you thinking about taking a lump sum from your pension before the autumn budget? One of the major tax benefits of saving through pensions is that, generally, 25% of... read more →
  • October 8, 2025
  • SMH Financial Services
SDLT

Stamp Duty Land Tax (SDLT) mistakes: lessons from Angela Rayner’s case

Former Deputy Prime Minister Angela Rayner’s recent stamp duty land tax (SDLT) issue serves as a valuable reminder for anyone buying property. In early September, the Deputy Prime Minister (and... read more →
  • October 8, 2025
  • SMH Accounting & Business Advisory, SMH Financial Services
UK retirement habits

What the latest DWP survey tells us about UK retirement habits

The Department for Work and Pensions (DWP) have been surveying 40–75 year olds, with some interesting responses. The DWP have recently released the results of its second ‘Planning and Preparing... read more →
  • September 23, 2025
  • SMH Financial Services
Interest rate

Interest rate cut goes through… on a second vote

August’s cut in interest rates of 0.25% was far from straightforward and has implications for future moves.   The Bank of England was given independence to set interest rates in May... read more →
  • September 23, 2025
  • SMH Financial Services
state pension age review

Government launches new state pension age review

Shortly before Parliament closed for its summer holidays, the government announced a review of the State pension age (SPA). Pensioners are a sensitive topic for the government. Not only has... read more →
  • September 23, 2025
  • SMH Financial Services
Pension Commission

The return of the Pension Commission – what’s next?

The government has announced the revival of the Pensions Commission, over 20 years after it was first launched. In late 2002, Tony Blair’s Labour government asked Lord Turner to chair... read more →
  • September 23, 2025
  • SMH Financial Services
invest

Why the government wants you to invest, not save

The government wants to shift focus from saving to investing. But what does that mean for your money? “For too long, we have presented investment in too negative a light…quick... read more →
  • August 15, 2025
  • SMH Financial Services
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