![](https://www.libertywm.co.uk/wp-content/uploads/2025/12/LibertyWM_ID_Logo_0502_0720.svg"){kind=logo}
![](https://www.libertywm.co.uk/wp-content/uploads/2020/11/LibertyWM_Website_0603_UIIcons_01_Phone_Mint_0920.svg")
![](https://www.libertywm.co.uk/wp-content/uploads/2020/11/LibertyWM_Website_0603_UIIcons_02_Email_Mint_0920.svg")
![](https://www.libertywm.co.uk/wp-content/uploads/2020/11/LibertyWM_Website_0603_UIIcons_03_Search_Mint_0920.svg")
Featured news
Pensions & IHT: the ‘double tax’ trap
For years, pensions have offered a valuable tax advantage alongside retirement income, enabling people to pass on wealth to the next generation. But from April 2027, changes to inheritance tax (IHT) rules could mean some families face a significantly larger tax bill than they expected. In some cases, beneficiaries may face both IHT and income tax on inherited pensions – this is known as the ‘double tax trap.’
The missing years: caring, career pauses & long-term planning
Figures show women are substantially more likely than men to take a career break during their working life. Whether it’s maternity leave, caring for young children, or looking after elderly family members, the responsibilities that lead to time out of paid work are more likely to impact women.
Latest
news
Passive – Active: it’s not either/or
The debate between active investing (where a fund manager picks stocks to try and outperform the market) and passive investing (where the aim is to replicate the market) is now dated.
Top tips for maximising your ISA returns
Getting the most from your ISAs while ensuring the right mix of Cash and Stocks and Shares ISAs, will make your savings and investments work as hard as possible.
Getting your head around tax jargon: the top seven terms explained
Financial services jargon can get in the way of feeling confident about managing your money. Understanding the various tax terms and acronyms, such as ISAs, IHT, CGT or pension allowances not only improves your financial wellbeing – it could save you tax too.
Unlocking success: How a good financial plan can help my small business
Keeping track of key financial metrics such as sales, costs, profit and cash flow, and analysing them regularly, can help you ensure your business is in good health. This data can help you understand where you may need to make changes to improve profit margin or cash flow.
Political shifts: what does it mean for markets?
Last year a record number of people across the globe voted for change. While new governments are likely to bring in new policies, we expect inflation and interest rates to remain relatively high in the short term.
Book a meeting
Ask an adviser
Refer a friend