CMS Wealth Ltd

CMS Wealth Ltd We provide quality financial advice by creating personalised solutions to meet our clients'​ needs

If you're planning to take a career break, being proactive could help you keep your pension and long-term plans on track...
31/08/2026

If you're planning to take a career break, being proactive could help you keep your pension and long-term plans on track.

Many people taking a career break will consider the effect on their short-term finances, such as how they'll pay essential bills and if they'll need to dip into savings.

However, they may not consider the potential long-term implications of pausing pension contributions.

To discover how you can keep your pension and long-term plans on track while you take a career break, click the link below.

https://cmswealth.co.uk/how-to-take-a-career-break-and-keep-your-pension-on-track/

Are you missing out on chances to reduce your Inheritance Tax bill?A recent report covered by Today's Wills and Probate ...
28/08/2026

Are you missing out on chances to reduce your Inheritance Tax bill?

A recent report covered by Today's Wills and Probate discovered that a person beginning estate planning at 50 and making use of multiple strategies, such as exemptions, reliefs, and business relief investments, could, on average, pass on £397,000 more to loved ones than those who delayed estate planning until they were 70.

If you want to learn more about some of the strategies that can mitigate a potential Inheritance Tax bill, click the link below.

https://cmswealth.co.uk/the-12-3-billion-cost-of-delaying-estate-planning/

94% of UK adults said their most important retirement dream is to feel financially secure for the rest of their lives, a...
24/08/2026

94% of UK adults said their most important retirement dream is to feel financially secure for the rest of their lives, according to a survey by Legal & General.

However, working out what your income might look like many years from now can be complex.

If you feel in the dark about how your pensions, savings, and investments might support you in later life, click the link below.

https://cmswealth.co.uk/how-a-cashflow-model-could-provide-clarity-about-your-retirement-income/

5 practical tips that could support your long-term finances during a career break:1. Assess the potential impact2. Consi...
19/08/2026

5 practical tips that could support your long-term finances during a career break:

1. Assess the potential impact
2. Consider your National Insurance record
3. Continue to make pension contributions during a career break
4. Make pension contributions from your partner’s salary
5. Make higher pension contributions when you return to work

Read our blog, linked below, to learn more.

https://cmswealth.co.uk/how-to-take-a-career-break-and-keep-your-pension-on-track/

Delays in estate planning could cost UK families £12.3 billion when changes mean pensions will form part of your estate ...
17/08/2026

Delays in estate planning could cost UK families £12.3 billion when changes mean pensions will form part of your estate next year, according to a report covered by Today's Wills and Probates.

Under the current rules, most pension wealth sits outside your estate for Inheritance Tax purposes.

However, for many pension holders, that will change on 6 April 2027, as most pensions will be included in Inheritance Tax calculations.

Read our blog, linked below, to learn more about the upcoming changes and how you can pass on your wealth to your loved ones tax-efficiently.

https://cmswealth.co.uk/the-12-3-billion-cost-of-delaying-estate-planning/

In a bid to pass more wealth to their loved ones, a growing number of families are opening pensions for their children.I...
14/08/2026

In a bid to pass more wealth to their loved ones, a growing number of families are opening pensions for their children.

In fact, one pension provider registered a jump of 158% in pensions opened for a child, according to an article in the Telegraph.

Whether this strategy is appropriate for you and your family will depend on your personal circumstances and goals. Read our blog, linked below, to discover the potential pros and cons of contributing to your child's pension.

https://cmswealth.co.uk/4-practical-reasons-to-regularly-contribute-to-your-childs-pension/

Just one in five people with a defined contribution pension understand what retirement income they can expect, according...
12/08/2026

Just one in five people with a defined contribution pension understand what retirement income they can expect, according to research findings published by IFA Magazine.

This uncertainty could leave you worried about your long-term financial security and unprepared for what lies ahead.

That's where financial planning comes in.

Read our blog, linked below, to find out how a financial planner can use cashflow modelling to give you a clear picture of your retirement income and help you plan for the future you want.

https://cmswealth.co.uk/how-a-cashflow-model-could-provide-clarity-about-your-retirement-income/

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