November’s Budget may feel distant, but key changes are on the way for landlords, high-value homeowners and first-time buyers. From rising rental income tax to the end of the Lifetime ISA and a new high-value property surcharge, here’s what to be aware of in 2026
Small increases in pension contributions can significantly boost long-term savings, thanks to the power of compound investment growth. Even a modest monthly rise can add tens of thousands to your retirement pot, making future financial security far more achievable.
Winter can bring unexpected damage, so check you have adequate home insurance. Be prepared for floods, freezing temperatures and high winds. Keep your boiler well maintained with an annual service and check your home for fire hazards.
Research into the UK’s Baby Boomer generation found that only 40–50% are on track for a moderate standard of living in retirement. Plus, those who receive financial advice are significantly more retirement-ready, underlining the importance of planning ahead.
The retirement landscape – hybrid working changes the scene
Hybrid working and a phased approach to retirement can make transitions easier. Reducing work hours after 66 can help to boost your pension pot, while financial advice ensures your retirement plans remain on track for long-term security.
Clients are tuning in to intergenerational planning
The UK is expected to see a significant shift in assets passed down to younger generations over the next 30 years, prompting an interest in intergenerational planning.
Many people in their 30s and 40s lack sufficient life cover, despite major financial responsibilities. With the right advice, protection is achievable, and essential, to ensure your loved ones are financially secure if the unexpected happens.
