Investing For Tomorrow

02/09/2026

💷⚠️ Could Inheritance Tax take a significant share of the wealth you plan to leave behind?

With pensions forming part of the estate from April 2027, more families are finding that without careful planning, a larger portion of their wealth could end up going to HMRC rather than the people they want to benefit.

From understanding the available allowances to considering trusts, gifting and other planning strategies, there may be steps you can take to help protect more of your family’s wealth. 👨‍👩‍👧‍👦💰

📖 Read our latest article to find out why more families are being affected by Inheritance Tax — and what you can do about it. https://iftwm.com/why-more-families-are-losing-wealth-to-inheritance-tax-and-how-to-avoid-it/

💬 If you’re concerned about how Inheritance Tax could affect your family, get in touch with our team to discuss your circumstances.

Data shows families are paying unnecessary tax without planning ahead. Planning for your death is unlikely to be a cheery task to tick off your to-do list, but as the rules keep changing and tax thresholds remain frozen, tackling it is more important than ever. Families paid a record £8.5 billion i...

25/08/2026

The Investing For Tomorrow team are taking on Overgate Hospice's 10-mile Midnight Walk challenge. As well as sponsoring the event’s mid-point checkpoint, last year we raised a total of £1,260 by taking part in the challenge ourselves - this year, we’d like to beat that amount!

Can you sponsor the team to raise money for a much-needed local cause?

An extended team of Toby, Naomi, Callum, Lesley-Ann and Hal will be taking on the 10-mile nighttime walk on Saturday 12th September 2026 which starts and ends at Dean Clough. If you are able to sponsor us taking part in the challenge, helping to raise some much-needed money for a very worthwhile local cause, we would be very grateful:

https://www.justgiving.com/page/iftwm

18/08/2026

❤️ Sometimes, financial planning is about more than money.

Planning for the future can be one of the most meaningful things you do for the people you care about.

From making sure your wishes are understood to protecting your family and creating a clear plan for passing on your wealth, thoughtful financial planning can help provide clarity, security and peace of mind for those closest to you.

📖 Read our latest article, “When planning becomes an act of love”, to explore why planning ahead could be one of the greatest gifts you give your family. https://iftwm.com/when-planning-becomes-an-act-of-love/

💬 Have questions about your own financial plans? Get in touch with our team to see how we can help.

Preparing for tomorrow starts with a conversation today. Most of us understand the importance of planning for the future. Yet some of the conversations that matter most, about ageing, loss of capacity, responsibility and ultimately death, are often the very discussions we avoid. It is rarely because...

11/08/2026

🛡️ What would happen to your finances if you couldn’t work?

For most households, your income is what keeps the mortgage, bills and everyday expenses covered. But illness or injury could leave you unable to work — potentially putting significant pressure on your finances.

Income protection can provide a regular income if you’re unable to work due to illness or injury, helping you maintain financial stability while you recover. 💷

📖 Read our latest article to understand how income protection works and why it could be worth considering as part of your wider financial plan. https://iftwm.com/protecting-your-income-when-life-takes-an-unexpected-turn/

💬 Have questions about protecting your income? Get in touch with our team to discuss your options.

06/08/2026

💷 Could you have a pension pot you’ve lost track of?

More than £31.1 billion is currently held in lost pension pots across the UK, with millions of people potentially having retirement savings they’ve forgotten about.

Changing jobs over the years can leave you with multiple pension schemes, making it difficult to see exactly what you have and how it fits into your retirement plans.

🔎 Tracking down old pensions and reviewing your arrangements could help give you a clearer picture of your retirement finances.

📖 Read our latest article to find out more:
https://iftwm.com/over-31-1-billion-of-pension-assets-held-in-lost-pots/

💬 If you think you may have lost pension pots or have questions about your existing arrangements, get in touch with our team.

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. While each new role can bring fresh opportunities, it can also leave behind a collection of workplace pensions wi...

04/08/2026

👨‍👩‍👦🔄 Life changes? Your financial plan should too.

A new job, marriage, buying a home, becoming a parent, or approaching retirement can all have a significant impact on your financial position.

Taking the time to review your pensions, investments, protection and wider financial plans can help ensure they still reflect where you are today — and where you want to be tomorrow.

📖 Read our latest article to discover more: https://iftwm.com/life-events-that-trigger-a-financial-review/

💬 Have your circumstances recently changed? Get in touch with our team if you have any questions or would like to discuss your financial plans.

Understanding your options to make informed decisions. Life rarely stands still. Major milestones, unexpected changes and new opportunities can significantly affect your financial wellbeing. While many people review their finances only when a problem arises, a proactive approach can help ensure your...

28/07/2026

📈💷 What if your investment returns could start earning returns of their own?

That's the power of compounding—one of the most effective ways to grow wealth over the long term. By reinvesting your returns, your investments have the potential to generate growth not only on your original investment, but also on the gains you've already made. The longer you stay invested, the greater the potential impact.

Time in the market can be far more powerful than trying to time the market.

✨ Small, consistent decisions today could make a significant difference to your future wealth.

👉 Read the full article here: https://iftwm.com/earning-returns-on-your-returns/

📩 Want to make the most of the power of compounding? Get in touch to discuss a long-term investment strategy that's right for you.

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 an...

21/07/2026

💷📢 Your pension has long been one of the most tax-efficient ways to pass on wealth... but that could soon change.

Pensions have traditionally been an effective way to preserve wealth for future generations but from 6 April 2027, unused pension funds are expected to be brought into the scope of Inheritance Tax, meaning many families may need to rethink their estate planning.

The good news? There's still time to review your plans.

A proactive review of your pension, wider estate, and retirement and estate strategy could help ensure you're making the most of the rules available today while preparing for tomorrow's changes.

✨ The best time to review your pension strategy is before the rules change—not after.

👉 Read the full article here:
https://lnkd.in/enWP4bXR

📩 If you're unsure how the 2027 pension changes could affect your family or your legacy, get in touch. We'd be happy to help you plan with confidence.

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16/07/2026

💷⚠️ Could you be paying an effective 60% tax rate without even realising it?

If your income falls between £100,000 and £125,140, you could be caught by one of the UK's most overlooked tax traps. As your Personal Allowance is gradually withdrawn, your effective marginal tax rate can rise to 60%—often catching higher earners by surprise.

The good news? With proactive financial planning, there may be legitimate ways to reduce the impact, such as reviewing pension contributions and your overall tax strategy.

✨ Understanding the rules is the first step to keeping more of what you earn.

👉 Read the full article here:
https://iftwm.com/are-you-unknowingly-paying-an-effective-60-tax-rate/

📩 If you'd like to discuss whether this could affect you and explore your planning options, get in touch today.

The hidden tax trap that could be costing higher earners thousands. With wages rising and frozen tax thresholds pushing more people into higher tax bands, many UK professionals are finding that earning more does not always mean taking home more. In fact, individuals earning £110,000 a year can face...

14/07/2026

💷📢 Pension rules are changing… is your retirement plan keeping up?

With ongoing changes to pension legislation and tax rules, what worked a few years ago may no longer be the most effective strategy for your retirement planning.

✅ Are you making the most of the available tax benefits?
✅ Could the latest changes affect your retirement plans?
✅ Is your strategy still fit for the future?

✨ In a changing landscape, regular financial reviews can make all the difference.

👉 Read the full article here:
https://iftwm.com/a-new-era-for-individual-savings-account-planning/

📩 If you're unsure how the latest pension changes could affect you, get in touch. We'd be happy to help you plan with confidence.

Are you making the most of your options in a changing tax landscape? For many years, pensions have been regarded as one of the most tax-efficient ways to save for retirement and to pass wealth to future generations. However, significant changes on the horizon could prompt many savers to rethink how....