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February edition of Smart Money – Reviewing financial plans 2026
16.02.2026The latest edition of Smart Money is now available
This issue offers insights into several important financial planning topics, including:
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Page 3: ISAs provide a flexible and tax-efficient method for saving or investing. This section covers the various ISA options available, the key changes from the Autumn Budget 2025, and stresses the importance of utilising the allowance before the tax deadline.
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Page 5: Why Income Protection is an essential part of financial planning, the risks many households face if income stops, and how protection could help provide financial security and peace of mind.
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Page 6: The importance of regularly reviewing your financial plan, with a focus on ISAs, pensions and tax-efficient gifting, to keep your finances aligned with changing circumstances and goals.
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Page 12: Understanding recent pension changes: Staying informed and maximising available tax benefits for a comfortable retirement.
A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age).
The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.
Your pension income could also be affected by the interest rates at the time you take your benefits.
The Financial Conduct Authority doesn’t regulate trust planning and most forms of inheritance tax (IHT) planning.
The financial conduct authority does not regulate tax and trust advice and will writing.
Some IHT planning solutions put your money at risk, and you may get back less than you invested. IHT thresholds depend on individual circumstances and the law. tax and IHT rules may change in the future.
The tax treatment is dependent on individual circumstances and may be subject to change in future.
Foster Denovo Limited is authorised and regulated by The Financial Conduct Authority. Registered office: Foster Denovo Limited, Ruxley House, 2 Hamm Moor Lane, Addlestone, Surrey, KT15 2SA.
