In April 2027, a big change is set for pensions. At that point, unused pension funds will fall under an individual’s estate when they die. In short, this could leave them subject to inheritance tax (IHT), whereas previously defined contribution […]
The world has seen significant changes in 2025. Geopolitical tensions (e.g. Russia-Ukraine and Israel-Gaza), tariff wars, economic pressures and technological disruption - especially from the rise of artificial intelligence. As an investor, how can you navigate this prudently? For a […]
You’ve likely heard the old refrain - “investments rise and fall over time”. Yet, few people grasp the importance of when these movements occur. In particular, what happens if the market falls just as you are about to retire and […]
Retirement may seem far away, but your choices today could massively affect your quality of life once you reach your 50s, 60s and beyond. Whilst it may be tempting to put off planning your pension, it’s vital to think of […]
There are 8.2 million families with children in the UK. 63% of that number represents the “traditional” nuclear family units - a wife, husband and children in a family home. Around a quarter are led by a single parent. 10% […]
You cannot completely avoid taxes if you live in the UK. Yet, our financial planners in London, Grantham and Leicester encounter people every day who are overpaying - often without realising. The impact can be significant: retirement needlessly delayed, incomes […]
Brits are unusually obsessed with property. It feels “safe”, offering a sense of stability. It is also visible (bestowing status) and tangible, giving the impression that your assets are “real”. Yet, the UK may be starting to shift its social […]
June has been heavily defined by geopolitics, with the Israel-Iran conflict fuelling volatility in the commodity markets. Closer to home, interest rates have been shifting in developed countries, and the UK Chancellor delivered an important spending review, which could signal […]
The Bank of England (BoE) lowered the base rate once again in May 2025. The MPC (Monetary Policy Committee) decided by a 5-4 vote to lower the rate by 0.25%, taking it to 4.25%. The Governor, Andrew Bailey, also hinted […]
The UK population is reluctant to invest and holds too much cash, according to the Financial Conduct Authority (FCA). Nearly two-thirds of UK adults with £10,000 in investable assets are concentrating 75% of these in cash, rather than equities and […]
Will you really have enough to retire? According to a 2024 study, 74% of British people are not on track to maintain their current standard of living in retirement. Many people are simply underestimating how much they need in their […]
Do you feel on top of your business finances? Let’s be honest, it is so easy to overlook them. As an owner, your attention is on so many things - marketing, managing staff, staying compliant, delivering value and more. Accounting […]
Castlegate Financial Management Limited is registered in England No. 2077374. Registered Office: 8 Castlegate, Grantham, Lincolnshire. NG31 6SE. Authorised and Regulated by the Financial Conduct Authority. FCA No. 169777.
