COLLECTION of
SmartMoney
GUIDES TO
What is SmartMoney Guide To?
Each SmartMoney Guide To focuses on a specific topic as an introductionary guide for you to get a sense of this area of financial planning.
It is a great idea to browse our collection and read through areas specific to your circumstances as preparation for your further discussion with your adviser.
All SmartMoney Guides To
TRACING & CONSOLIDATING PENSIONS, JAN 2026
How to find lost savings and build a stronger retirement plan. In a time when switching jobs is more common than ever, millions of people in the UK risk losing touch with their hard earned retirement savings.
NAVIGATING PENSION INHERITANCE TAX, JAN 2026
How to plan to secure your wealth for the next generation. For years, pensions have been regarded as one of the most effective tools for passing wealth to future generations, offering unique tax advantages unavailable with other assets.
WEALTH CREATION, NOV 2025
How to build lasting wealth and generate a reliable income. Wealth creation through investing is more than just a financial decision: it's a statement of intent. It's how you turn ambition into momentum and momentum into significant progress.
MANAGING & PROTECTING WEALTH, JAN 2026
The start of a new year is an ideal time to take control of your financial future. It provides a natural opportunity to pause, reassess your financial health and set a clear course towards greater stability and growth.
PLANNING A SUCCESSFUL RETIREMENT, NOV 2025
Live comfortably, keep your independence, and enjoy what matters most. A key question for many is how much money will be enough. As life expectancy rises, retirement periods are lengthening, making careful and proactive planning vital.
SECURING YOUR LEGACY, NOV 2025
Adaptable control, protection and flexibility across generations. As trust is a formal arrangement involving three main parties. Trusts have been used for centuries , yet continue to be amongst the least understood aspect of estate planning.
WHY DELAYING YOUR INVESTMENT COULD COST YOU, SEPT 2025
More people delay contributing to their Individual Savings Account (ISA) until the end of the tax year, on 5 April each year, but acting earlier could significantly improve your chances of reaching financial goals.
HAVE YOU SAFEGUARDED THE LIFE YOU’VE BUILT FOR YOURSELF AND YOUR FAMILY, SEPT 2025
Life rarely follows the script we write for ourselves. While we can’t predict certain curveballs, we can definitely prepare for them, and that preparation could mean the difference between financial resilience and hardship.
HOW TO ALIGN YOUR GOALS AND TIMELINES FOR A SECURE YOU, JULY 2025
When it comes to achieving financial success, having clear investment goals and timelines is crucial. Without a well-thought-out plan, it is easy to veer off course or struggle to make substantial progress.
UNDERSTANDING YOUR FINANCIAL AND HEALHCARE RESPONSIBILITIES IN A NEW COUNTRY, JULY 2025
Retiring abroad offers a unique opportunity to explore new cultures, enjoy a different pace of life and benefit from a lower cost of living. For UK citizens contemplating such a move, careful planning is crucial.
HOW TO SIMPLIFY THE PROCESS FOR AN ENJOYABLE FUTURE. JULY 2025
Preparing for retirement can seem complex and overwhelming, with questions such as how long your savings will last and what kind of lifestyle you can afford after retiring.
NAVIGATING THE NEW UK INHERITANCE TAX RULES, MAY 2025
Managing The October 2024 Budget proposed significant changes to UK inheritance Tax (IHT) rules, particularly for trading businesses and farmland owners.
DIVERSIFYING AN INVESTMENT PORTFOLIO STRATEGIC, MAY 2025
Managing Investing can often feel overwhelming, especially when confronted with unpredictable markets and constant updates about economic shifts.
PLANNING FINANCIAL SUCCESS FOR BUSINESS OWNERS AND DIRECTORS , MAY 2025
When Welcome to our Guide to Planning Financial Success for Business Owners and Directors. Financial planning is more than just a blueprint for financial success and business growth.
MAKE YOUR MONEY WORK HARDER FOR YOU, MAR 2025
Managing your personal wealth and tax obligations requires ongoing assessment and clearly defined tax planning strategies for you and your family. It’s essential to review your personal tax position before the conclusion of the tax year.
SELF-INVESTED PERSONAL PENSIONS, MAR 2025
When planning for retirement, utilising a pension is one of the most effective ways to secure your financial future. The generous tax relief offered on pension contributions makes options like SIPPs (Self-Invested Personal Pensions) particularly advantageous.
PRESERVING WEALTH FOR GENERATIONS TO COME, MAR 2025
Planning for the future might initially feel overwhelming, but it’s an invaluable step in ensuring your hard-earned wealth serves the people and causes closest to your heart.
NEW YEAR FINANCIAL STRATEGIES, JAN 2025
A new year is the perfect time to take charge of your financial future. It's an opportunity to step back, re-evaluate your financial health and set a clear path toward greater stability and growth.
INDIVIDUAL SAVINGS ACCOUNTS, JAN 2025
Investing wisely involves more than chasing potential returns - it also involves strategically using tax allowances to maximise the value of your savings and investments.
END OF TAX YEAR PLANNING, JAN 2025
Our money is hard-earned and precious, so it is understandable that parting with it in the form of taxes isn't something anyone looks forward to. However, understanding how to plan your finances effectively could significantly affect your financial future.
All information contained in the SmartMoney publications is correct at the time of publishing. However, financial rules and regulations are updated regularly.