Welcome to our July/August 2023 edition. In this issue, a comfortable retirement is a common financial goal, and contributing to a pension is essential to achieving it. Although retirement may appear distant at the moment, there’s much to consider. Let us assist you in navigating this crucial life milestone. By planning ahead and making smart decisions about your savings, you can ensure a stable and enjoyable retirement. On page 12, we consider what steps will help you get pension retirement ready.

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According to new research, British workers overpay £8.2bn in tax due to wrong codes. Filing your tax return can be daunting, but there are plenty of reasons why you should get it done as soon as possible. On page 06, we provide 10 reasons to get your tax return filed now rather than panicking as the deadline approaches.

If you’re under 75 and have relevant UK earnings, you can benefit from tax relief when contributing to a personal pension or workplace pension scheme. On page 30, we explain why as tax rules change and individual circumstances vary, it’s always a good idea to consult us for specific guidance.

Trusting that your investments are progressing toward your objectives is vital, allowing you to concentrate on what you value most. This is why building a diversified portfolio is crucial to any successful investment strategy. The primary goal is to spread your investment portfolio across many different asset classes to mitigate the risk of each. Read the full article on page 08.

A complete list of the articles featured in this issue appears on page 02.

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The content of the article featured is for your general information and use only and is not intended to address your particular requirements. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of the particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any article. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.