Mather & Murray Financial Ltd

03/09/2026

Mather & Murray Financial in Daily Express talking the new top rate of 67% on inherited pensions from April. Have a read, and let’s sort this out! https://www.matherandmurray.co.uk/inheritance-tax-on-pensions-2027/

03/09/2026

⚠️ Could your family really lose 67% of an inherited pension to tax?

From April 2027, most unused pensions will be brought into estates for Inheritance Tax.

And if the pension owner dies after 75, beneficiaries could then also pay Income Tax when they draw the remaining pension.

In some cases, the combined effect can be brutal.

I’ve been quoted in the Daily Express today on exactly this issue, and I’ve written a fuller guide explaining:

✅ what is changing
✅ who could be affected
✅ how the 67% figure can arise
✅ why withdrawing everything now could be a mistake
✅ what people should review before April 2027

If you have a decent-sized pension and want to leave money to your family, this is worth understanding now rather than later.

Read the full article here 👇

From April 2027, most unused pensions will be brought into estates for Inheritance Tax. We explain the new rules, the potential 67% combined tax trap and what families should review now.

01/09/2026

Got a few old pensions scattered around from different jobs? 🧾💷

You’re definitely not alone.

The big question is: **should you combine them into one pension?**

Sometimes pension consolidation can make things simpler, reduce charges and give you better retirement options.

But there can also be downsides — including losing valuable guarantees or benefits you may not even realise you have.

In our latest article, we look at:

✅ the pros and cons of combining pensions
✅ what to check before transferring
✅ when consolidation can make sense
✅ when it may be better to leave a pension where it is
✅ why retirement planning should come before simply “tidying things up”

If you’ve got several old workplace or personal pensions, this is worth a read 👇

20/08/2026

Are you with St James’s Place? 👀

One question many people don’t realise they should ask is:

👉 Is my SJP adviser actually independent?

SJP advisers work within the St James’s Place proposition. An independent financial adviser can consider suitable products and providers from across the wider market.

That doesn’t mean every SJP client should leave — far from it.

But if you’ve had the same pension or investments for years, it can be sensible to understand:

✅ what you’re paying
✅ how your investments are performing
✅ what alternatives exist
✅ whether your current arrangements are still right for you

We’ve explained the differences in our latest article.

And with St James’s Place based just up the road in Cirencester, it’s a subject particularly relevant to many people locally.

Read it here 👇

Already with St James’s Place? We explain the difference between SJP’s restricted advice model and independent financial advice, including investment choice, charges and when a second opinion may be worthwhile.

19/08/2026

⬆️ inflations on the way back up!
🏡 we discuss what this means for mortgages.

Featured in The Mirror today…

Brokers from across the UK have analysed the direction of travel

13/08/2026

Mather & Murray Financial give our view of Angela Rayner taking £20,000 from an estate agent lobbying group to The Times and The Sunday Times....

Housing minister ‘has questions to answer’ after payment for two-hour conference speech, rent control campaigners say

03/08/2026

Mather & Murray Financial speak with The Mirror about the changes from final salary pensions to personal pensions….

Want a simple explanation of the differences? This is the article for you!

An expert has explained what it means

28/07/2026

Also in FTAdviser, Mather & Murray Financial talk about why STAMP DUTY should be scrapped…

Mortgage brokers have welcomed rumours that the prime minister could abolish stamp duty, stating that the tax “has no place in a modern housing market”.

28/07/2026

Mather & Murray Financial join the campaign to and tell Daily Express why…

Mortgage experts say the levy has 'no place in a modern housing market'

17/07/2026

Are bank bonuses 🏦 a good idea? We speak to MoneyWeek about the good and the bad…

The TUC is calling for a higher windfall tax on banks to fund a social tariff on energy bills.