Truly Independent Becomes Associate Partner of Carlisle United for the 2026/27 Season
Truly Independent Carlisle United partnership announcement
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Five questions to ask yourself before retirement
Are you doing enough today to give yourself the freedom and choices you want tomorrow? Retirement should be something to look forward to, not a source of financial anxiety. For many people, retirement can seem comfortably distant until, suddenly, it is not. Years of working, saving and paying into pensions can create the sense that…
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TIPS Financial Magazine September/October 2026 Edition
The latest edition of TIPS Magazine is now live, featuring a range of articles designed to keep you informed on the latest developments in financial planning, retirement, tax and wealth management. In this edition, we explore some of the key topics currently shaping the financial planning landscape, including inheritance tax changes, retirement income strategies, financial…
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Protecting your income when life takes an unexpected turn
A solution that can play an important role in safeguarding your financial wellbeing. Imagine waking up tomorrow unable to work because of an illness or injury. While many people focus on protecting their home, car or possessions, few consider what would happen if their income suddenly stopped. Yet for most households, regular earnings underpin everyday…
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Over £31.1 billion of pension assets held in lost pots
Why bringing your pensions together could simplify your retirement In today’s working world, it is increasingly common for people to change jobs multiple times throughout their careers. Whileeach new role can bring fresh opportunities, it can also leave behind a collection of workplace pensions with different providers.Research shows that there are nearly 3.3 million lost…
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Earning returns on your returns
How compound growth can turn small savings into a significant amount Many people assume that building meaningful wealth requires large sums of money from the outset. In reality, one of the most powerful forces in personal finance is something far simpler: time. When paired with consistent saving and investing, compound growth can turn modest contributions…
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TIPS Financial Magazine July/August 2026 Edition
The latest edition of TIPS Magazine is now live, featuring a range of articles designed to keep you informed on the latest developments in financial planning, retirement, tax and wealth management. In this edition, we explore some of the key topics currently shaping the financial planning landscape, including inheritance tax changes, retirement income strategies, financial…
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Plan today, protect tomorrow
Secure your legacy so your loved ones can thrive for generations to come Wealth succession planning should be at the heart of your financial strategy. Discussing money matters with loved ones can feel awkward, but attitudes are shifting as more people recognise the value of open communication. Leaving your legacy to chance can cause unnecessary…
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Protecting your pension from rising prices
How to safeguard your future against rising costs When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security. Without a plan, everyday cost increases may erode…
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Your health could be the key to a larger pension
Maximise your pension by sharing your health story Many UK adults approaching retirement may be missing out on thousands of pounds due to misunderstandings about how their health affects their pension options. Research shows that two in five adults over 50 are unaware that common medical conditions could significantly increase their retirement income. Despite the…
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Navigating the dividend tax rises in 2026
How to safeguard your investment income from higher tax rates From 6 April 2026, the government increased dividend tax rates by 2 percentage points. The ordinary rate rose to 10.75%, and the upper rate to 35.75%, while the additional rate remains at 39.35%. However, you don’t pay tax on dividend income within your personal allowance…
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Protect your life insurance pay-out from Inheritance Tax
An increasing number of estates are falling within the tax net every year An increasing number of estates are falling within the Inheritance Tax net each year, largely due to rising property prices and frozen tax thresholds. The Office for Budget Responsibility forecasts that HM Revenue & Customs (HMRC) will collect £8.7 billion in Inheritance…
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