Insights

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Economy
News in review
This week’s News in Review takes a closer look at some of the key Budget announcements and weakening retail sentiment
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Economy
Economic Review - November 2025
In our Economic Review of November – the OBR sets out UK growth prospects, the Bank of England maintains interest rates at their current level following a tight vote and the labour market continues to weaken. And recent survey data suggests the retail environment remains tough, as consumer confidence declines.
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Budget
Autumn Budget 2025
The Chancellor’s Budget boosts fiscal headroom, maintains tax pledges and forecasts stronger growth with falling inflation
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Economy
News in Review
This week’s News in Review highlights easing inflation, rising savings protections and key developments ahead of Budget Day.
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Retirement Planning
Women lag behind with pension savings – time to make amends
Research shows women risk entering #retirement with less in their #pension than men. For every £1 saved by a man, a woman has just 42p.
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Inheritance Tax
Unspent pensions to be included in IHT from 2027
From April 2027, unspent pensions will fall within IHT, potentially raising bills and risking double taxation. Reviewing your arrangements now, from gifting and trusts to charitable giving, can help protect wealth and ensure assets pass smoothly to loved ones. 
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Home and Property
Commercial Property Market Review
Retail investment strengthens as demand rises, supply tightens and deals highlight confidence across commercial sectors
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Economy
News in Review
This week’s News in Review covers weak UK growth before the Budget, a cautious housing market and key COP30 developments
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Retirement Planning
The retirement landscape – hybrid working changes the scene
Hybrid working and a phased approach to retirement can make transitions easier. Reducing work hours after 66 can help to boost your pension pot, while financial advice ensures your retirement plans remain on track for long-term security.
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Inheritance Tax
Gen Z – betting on an inheritance – time to stand on your own two feet?
Some Gen Z and Millennials expect to use inheritance to fund retirement, but this is risky. Making pension contributions early, combining your pots and making the most of tax relief can help prepare for a more reliable financial future. 
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General Financial
Let’s Talk Money: why starting the conversation matters
This Talk Money Week (3 -7 November), our article explores why starting open conversations about money builds confidence, reduces stress and could help you prepare for the Autumn Budget’s potential financial changes. Now’s the time to #StartTheConversation.
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Home and Property
Selling through the seasons
The time of year that you put your home on the market could affect how well your property sells. In winter, buyers would pay more for fireplaces, insulation and underfloor heating.