Investing For Tomorrow

20/10/2026

💷 Could your pension help you pass more wealth on to the next generation? 👨‍👩‍👧‍👦🏡

Pensions can play an important role in both funding your retirement and planning how you pass on your wealth. But with pension and Inheritance Tax rules changing, it’s worth reconsidering whether your current approach is still right for you. 📊⚖️

📖 Read our latest article to explore the key considerations when using pension savings to support your retirement and pass wealth on to your loved ones. https://iftwm.com/reconsidering-how-to-use-pension-savings-and-pass-wealth-to-the-next-generation/

💬 Want to make the most of your pension? Get in touch with our team to discuss your retirement plans and wealth transfer options.

It is increasingly important to consider pensions alongside other assets when planning. For families with substantial pension savings, the rules are changing. From 6 April 2027, most unused pension funds and pension death benefits will form part of an estate’s value for Inheritance Tax (IHT) purpo...

08/10/2026

🏖️ Are you really ready for retirement? 🤔💷

Retirement is a major life change, and there’s more to preparing than simply knowing when you want to stop working.

📊 How much income will you need?

💰 Are your pensions and investments on track?

🏡 What will your lifestyle look like?

🧾 Have you considered tax and other financial implications?

🎯 And, perhaps most importantly, what does a successful retirement look like for you?

📖 Our latest article explores five important questions to ask yourself before retirement — helping you think about the financial and lifestyle decisions that could shape your next chapter. https://iftwm.com/five-questions-to-ask-yourself-before-retirement/

⏳ The earlier you start planning, the more options you may have.

💬 Thinking about retirement? Get in touch with our team to discuss your plans and how we can help you prepare for the future.

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 p...

06/10/2026

👶🧓 Could looking after your grandchildren boost your State Pension? 🏛️💷

Many grandparents provide valuable childcare to help their families — but did you know this could potentially help increase your future State Pension entitlement? 👨‍👩‍👧‍👦📈

The Specified Adult Childcare Credit can allow eligible grandparents and other family members who care for a child under 12 to receive National Insurance credits. 📝

⚠️ It’s easy to overlook, but these credits could make a meaningful difference to your State Pension over time.

📖 Read our latest article to find out how the scheme works and whether you could be eligible. https://iftwm.com/could-looking-after-grandchildren-add-to-your-state-pension/

💬 Have questions about your State Pension or wider retirement plans? Get in touch with our team to discuss your circumstances.

29/09/2026

Do you have pensions scattered across different providers? 🔎🏢💷

Changing jobs over your career can leave you with multiple pension pots, making it difficult to keep track of your retirement savings and understand how they’re working together.

Bringing your pensions together could make it easier to manage your retirement savings, but consolidation isn’t right for everyone. It’s important to consider factors such as charges, investment options and valuable benefits you could lose by transferring.

📖 Read our latest article to explore the potential benefits and important considerations when bringing your pensions together. https://iftwm.com/bringing-your-pensions-together/

💬 Have several pension pots and unsure what to do with them? Get in touch with our team to discuss your options and how they fit into your retirement plans.

A long-awaited way to view your pension savings in one place is finally taking shape. For years, savers have been promised a simpler way to track their pension savings. The concept is straightforward: instead of searching through old paperwork, logging in to multiple providers or trying to remember....

15/09/2026

🚨 Are millions of workers putting their retirement at risk? 💷📉

Around 15 million workers could be heading towards a retirement shortfall, with many people either not contributing to a pension or not saving enough to support the retirement they want. ⚠️

🤔⏳ The earlier you start contributing, the more opportunity your pension has to grow over time. Even relatively small contributions can make a difference when invested for the long term.

If you’re not currently paying into a pension, or you’re unsure whether you’re contributing enough, now could be the time to review your retirement plans.

📖 Read our latest article to find out more about the potential retirement crisis facing millions of workers. https://iftwm.com/the-15-million-workers-heading-for-a-retirement-disaster/

💬 Not sure if your pension is on track? Get in touch with our team to discuss your retirement plans.

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...