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Audley Wealth

A genuinely fresh, no-nonsense approach to financial advice, pension and retirement planning and wealth management.

02/06/2026

It can be easy to disengage when you see the statistics about how much you’ll need for a comfortable retirement, especially when you’re working hard and the demands of life, both financial and family, take precedence.

It can make saving enough into your pension feel completely unattainable.

The pandemic shifted priorities for a lot of families – making memories, enjoying life and spending time together now feels more important than ever.

In some cases, this is reinforced by expectations of an inheritance from Baby Boomer parents, but this is not something you can rely on.

With changing tax rules around pensions and Inheritance Tax, you may inherit less than you expect, or later than you expect, making it even more important to stand on your own two feet financially.

Click the link to read our latest article:

https://audleywealth.com/guides/small-steps-to-securing-your-financial-future-it-is-attainable/

*Content is for informational purposes only.

29/05/2026

Property wealth accounts for a significant share of IHT-paying estates, particularly in London, where it represents 47% of total estate value, according to a new report (FOI 2026).

Comparable figures stand at 42% in the South East and East of England, 36% South West and 33% East Midlands, with most regions reporting property making up around a third or more of taxable estates.

In the 2022/23 financial year (the most recent data available), the average property value within London estates exceeded £862,000, contributing to an overall average estate value of more than £1.6m.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

27/05/2026

Investors are constantly navigating changing narratives.

Last year markets rebounded to reach new highs following President Trump’s spring trade announcements, despite ongoing geopolitical and economic uncertainty.

More recently, the conflict in the Middle East has prompted more market moves.

Click the link to read our latest article:

https://audleywealth.com/guides/the-power-of-participation-markets-move-participation-matters/

*Content is for informational purposes only.

26/05/2026

Have you got protection in place? A survey of over 14,000 UK consumers (FCA 2025/6), has discovered that just 42% have protection policies arranged, including those purchased privately and held as part of an employee benefit package.

Encouragingly, three-quarters of people who hold a life policy and two thirds with income protection and critical illness cover regard their policies as essential.

The ‘have nots’ People not holding life insurance cited most common reasons as affordability, no requirement, limited knowledge or confidence in arranging cover.

Just under half (47%) without cover, have never even considered arranging it.

A change in financial circumstances, or sourcing a more affordable policy, has prompted 9% of people to cancel or reduce their level of cover in the past two to three years.

As expected, major trigger moments in life tend to prompt people to arrange cover, with most policyholders securing plans when buying a home or securing a new mortgage.

For those aged over 50, insurance was typically bought after a bereavement or milestone birthday.

The research uncovered a degree of difficulty associated with comparing policies and prices, with people often unsure of their actual requirements, with some compromising their choice of policy due to health and affordability concerns.

If you would like to better understand your protection needs, guidance is available.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

22/05/2026

Research (Aegon 2025) has highlighted a growing shift in UK work-life priorities, with Gen X (those born between 1965 and 1980) driving the change. Twice as many UK workers want to take sabbaticals than have actually taken one, underlining a clear gap between aspiration and reality.

Health and wellbeing are the top motivators for taking some time out, to recharge and reflect.

However, affordability (45%) and other barriers, such as lack of employer support (22%), are holding people back.

Four times as many Gen Xers would like to take time out through a sabbatical than have put it into practice, despite being the least likely generation to say they enjoy their job.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

15/05/2026

The government has confirmed that the Lifetime ISA will be replaced with a new savings product focused solely on helping first-time buyers.

The retirement- saving element will be removed and the 25% bonus will be paid when a home is purchased rather than added to contributions.

The change aims to simplify ISAs, though critics warn it could reduce support for retirement saving and leave some savers with fewer long-term options.

ISA rules and government incentives may change and depend on individual circumstances.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

12/05/2026

Review - Pensions

“Having invested my pension they monitor the progress of my funds, which we discuss on 6 monthly intervals giving me a clear investment report on how my funds are progressing. I am happy with the outcome so far, having assessed my attitude to risk taking. I have nothing that I can think of that they could do better.”

If you need assistance with your pensions, get in touch with our team today:

E: [email protected]
T: 01727 227557

08/05/2026

The difficulty in getting a foot on the housing ladder is no secret. In 2026, however, affordability in the housing market seems to be an even more central focus for buyers and sellers alike, meaning that rushed offers are out and careful negotiation is in.

Buyers are hunting around and comparing monthly costs, while sellers are newly open to negotiation, market trends suggest.

The result is that organised buyers are finding themselves in a strong position to negotiate on price, fixtures or timescales, while prepared sellers are able to hold firm in the face of unrealistic buyers.

Knowing your budget and being able to move quickly once the initial details are worked out helps reassure sellers that they are dealing with a reliable buyer.

For example, having a mortgage agreement in principle indicates seriousness and means you will be ready to secure an offer as soon as your dream property presents.

Sellers can benefit too from this more considered approach. While some leeway on price may be called for, finding a serious buyer who will not cause any problems in completing on the purchase has tremendous value.

House prices remain crucial for buyers and sellers, of course. However, other factors, like timeliness and clarity, matter too. In 2026, careful preparation paves the route to success in the housing market.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

05/05/2026

According to research (Royal London 2025), 60% of UK cash Individual Savings Account (ISA) savers could be persuaded to move funds to a stocks and shares ISA, despite financial constraint being cited as the main barrier.

Concern about risk was the second biggest obstacle, with 35% of non-investors worried about potential losses and 12% concerned about access to their money.

Around 40% of Brits currently hold an ISA (AJ Bell 2026), but since the launch over 25 years ago, there is still widespread confusion.

A quarter of Brits admitted that they do not understand how stocks and shares work.

Get in touch today - www.audleywealth.com/contact-us

*Content is for informational purposes only.

30/04/2026

The world is on the brink of an unprecedented transfer of wealth.

A notable World Wealth Report (Capgemini 2025), which gauges the opinions of over 6,000 global high-net-worth individuals (HNWIs), highlights a ‘staggering $83.5tn in wealth’ will pass to younger generations by 2048.

Other research suggests the figure could be even higher.

In the UK alone, around £7tn is forecast to transfer between generations by 2050.

Click the link to read our latest article:

https://audleywealth.com/guides/are-your-family-ready-for-the-largest-intergenerational-transfer-in-history/

*Content is for informational purposes only.

Address

6 St. Peter's Street, Censeo House
Saint Albans
AL13LF

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:45pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

http://audleywealth.com/

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