AKR Wealth Management Ltd

AKR Wealth Management Ltd Providing clients with expert financial advice and long term peace of mind.

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a ne...
19/06/2026

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a newly launched consultation.

The government this week announced a number of planned reforms that could bring unmarried couples in line with their married counterparts if introduced. These include allowing qualifying cohabiting couples to inherit in the same way as a spouse or civil partner – in terms of how much and their position in the order of entitlement.
The proposals also include new rights for unmarried couples who separate. Providing they have lived together for at least three years – or have children together – they would have similar rights to divorcing couples, such as claims on property and pensions.

Meanwhile, pre-nuptial agreements could be made legally binding, to allow couples to agree ahead of marriage how they wish their finances and assets to be handled in the event of divorce.

The government has opened the consultation and is seeking views on its proposed changes from the public. It will close on the 14 August 2026.

Read more:

Retirement planning is becoming more challenging.New figures from Pensions UK show that the income needed to maintain di...
19/06/2026

Retirement planning is becoming more challenging.

New figures from Pensions UK show that the income needed to maintain different standards of living in retirement has increased over the past year, largely due to rising everyday costs such as food, transport and household bills.

For many people, retirement can feel like a distant goal. Yet the research highlights the importance of reviewing plans regularly rather than assuming existing arrangements will always be enough.

The findings suggest that while many workers are on track to achieve a basic standard of living in retirement, far fewer are on course for the level of lifestyle they would ideally like. This gap can often develop gradually as living costs rise and personal circumstances change.

One of the key messages from the report is that retirement planning should be viewed as an ongoing process rather than a one-off exercise. Regular reviews can help ensure savings, investments and long-term goals remain aligned with changing circumstances.

Whether retirement is decades away or just around the corner, taking time to understand what lifestyle you would like in later life can be a useful starting point when assessing whether your current plans are likely to support those ambitions.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving

As retirement approaches, many people start thinking more carefully about investment risk. But de-risking doesn't necess...
17/06/2026

As retirement approaches, many people start thinking more carefully about investment risk. But de-risking doesn't necessarily mean moving everything into cash or giving up on growth.

In simple terms, de-risking means adjusting your investments over time to make them more aligned with your goals, income needs and comfort with risk.

A few key points to consider:

💡 Retirement can last decades, so growth may still play an important role even after you stop working.

💡 Diversification can help reduce reliance on any one area of the market, although it does not remove risk entirely.

💡 Taking withdrawals during market downturns can affect long-term outcomes, which is why some retirees build flexibility into their income plans.

💡 Your attitude to risk may change over time, making regular reviews of your investments important.

There isn't a universal age or milestone when everyone should de-risk. The right approach depends on your circumstances, objectives and how you plan to use your money in retirement.

The challenge is finding the right balance between protecting what you've built and ensuring your investments continue to support you throughout retirement.

After all, de-risking isn't about avoiding risk completely. It's about making sure your investments remain aligned with the life you want to live.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/approaching-retirement-what-is-the-right-time-to-de-risk

Fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shoo...
16/06/2026

Fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shootout.

A record-breaking five matches were decided this way in the 2022 tournament, including, famously, the final between Argentina and France.

Penalty shootouts offer goalkeepers the chance to be the hero, to display lightning reactions, diving to the left or right in an effort to keep the ball out of the net. In truth, they often would be better served staying put in the middle of the goal. But it wouldn’t look as good.

The same is true in investing – with so much noise around world events, it can be tempting to buy and sell investments as they rise and fall, to try and time the market. But history has shown time and time again the best option is to avoid making emotional decisions, and to stay true to your long-term process. While investments have delivered positive outcomes over many longer-term periods, returns can never be guaranteed, and you could get back less than you invest.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/investing-and-penalities-a-game-of-nerves-or-reactions

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns i...
04/06/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings.

Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren

🛡️ When key person cover becomes personal for business ownersMost business owners understand the theory behind key perso...
29/05/2026

🛡️ When key person cover becomes personal for business owners

Most business owners understand the theory behind key person and critical illness cover. But when unexpected illness hits close to home, the practical value of having the right protection in place becomes very real.

In this personal account, Richard Murray of Elephants Child shares how a serious heart condition in 2024 highlighted the wider impact a key person’s absence can have on a business - operationally, financially and emotionally.

💡 At a glance:

• Key person and critical illness cover helped reduce financial and operational pressure during a prolonged medical situation.
• Access to private treatment through the policy significantly shortened waiting times for surgery.
• The business was able to avoid rushed decisions and support a gradual return to work.
• The experience reinforced how protection can support not just profits, but people, stability and continuity.

One of the key themes from the article is uncertainty. Unlike bereavement, where businesses often move quickly to restructure, serious illness can create a prolonged period where no one knows how long recovery may take or what capacity someone may return in.

The article also highlights an often overlooked point: protection policies are not only about replacing lost revenue. They can provide breathing space, reduce stress on leadership teams and help businesses continue operating steadily during difficult periods.

For many business owners, it’s a reminder that resilience planning isn’t just about protecting the business - it’s also about protecting the people behind it.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/when-key-person-cover-becomes-personal-for-business-owners

This content is for information only and does not constitute financial advice.

The American dream is beginning to look more tarnished. The US-Iran war, combined with volatile and unpredictable behavi...
22/05/2026

The American dream is beginning to look more tarnished. The US-Iran war, combined with volatile and unpredictable behaviour by the US president and his administration, have taken the shine off. Meanwhile the divide between the ‘haves’ and the ‘have nots’ is growing ever larger. We look at what this might mean for investments in the region.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/the-special-k-shaped-economy

Business partners rarely reach retirement at the same time.Different life stages, financial positions and personal goals...
07/05/2026

Business partners rarely reach retirement at the same time.

Different life stages, financial positions and personal goals can create a gap in when shareholders are ready to step away. Left unaddressed, this can lead to tension and difficult decisions.

Clarity is often the starting point – understanding what each person needs financially, and having open conversations early.

From staggered exits to internal buyouts or external investment, there are a range of ways to structure an outcome that works for everyone.

Planning ahead can make these transitions far smoother, for both the individuals involved and the future of the business.

Read more: https://www.akrwealth.co.uk/article/detail/sjpp/managing-different-retirement-timelines-among-shareholders

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