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Smart Money March/April: Key steps to take before the tax year ends
17.03.2026The latest edition of Smart Money is now available, featuring a range of timely insights to help individuals and families make better-informed financial decisions in an increasingly uncertain environment.
This issue covers several key areas of financial planning, including:
Page 4: Rising costs and uncertainty are pushing people to save more and rethink plans, but holding too much cash can lose value to inflation; a balanced mix of saving, investing, and regular financial reviews could help maintain stability and confidence.
Page 5: Many UK workers view income protection as essential, but few have it, putting households at financial risk if they can’t work. We highlight the importance of income protection as a safety net and planning ahead to help maintain financial stability.
Page 10: With longer life spans, planning for long-term care is essential due to rising costs often not fully covered by the state. Care fees can be high and vary widely, so it’s important to explore savings, insurance, and seek professional advice to manage these future costs effectively.
Page 11: Early discussions about finances with relatives could help prevent stress and confusion later. Open conversations help in planning for costs, managing inheritance, and organising key documents, leading to improved financial security and preparedness.
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.
