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How Workplace Pensions Work: Tax Relief, Investing & Taking Your Money Out

This guide covers how workplace pensions work in practice: how tax relief benefits you, where your money is invested, and what your options are when you come to take it out. What is a defined contribution pension? A defined contribution (DC) pension is a pot of money that builds up over time from contributions and […]

Can I Retire at 55 with a £300,000 Pension?

A case study using cashflow modelling — written in June 2026 Summary Can you retire at 55 with a £300,000 pension? In this case study, we show how a 55-year-old with a £300,000 pension could potentially phase into retirement using a combination of State Pension income, an appropriate investment strategy, reduced working hours and flexible […]

The UK State Pension Explained (2026): How Much Will I Get?

For many people, the State Pension forms a key part of their retirement income.In this guide, I’ll explain how the UK State Pension works, how much you could receive, whether topping up your National Insurance record is worthwhile and some of the common mistakes to avoid. What Is the State Pension? The State Pension is […]

UK Pensions Explained: A Beginner’s Guide to Pensions

UK Pensions Explained

Pensions can feel confusing, especially if no one ever explained to you how they work. This guide explains UK pensions in simple terms, so you can understand the basics. We’ll be covering the different types of pensions, how they work, the tax benefits, your options when taking money out, and what happens to your pension […]

What Is a Workplace Pension Default Fund and Should I Change It?

Workplace Pension Default Fund

If you’re paying into a workplace pension, there’s a good chance your money is invested in the scheme’s default fund. In fact, various sources (Royal London, DWP, Nest) say that over 90% of people stay invested in their employer’s chosen default fund. For many UK employees, this happens automatically and is never reviewed. While default […]

RSUs – A complete guide to Restricted Stock Units for UK employees

1. How do RSU’s work? Restricted Stock Units (RSUs) can be complicated, so let’s break down the key points: 2. RSU examples Lets look at a couple of vesting schedule examples: 1 Rachel works for a software company and started in April 2023. As part of her compensation, she’s been awarded 10,000 RSUs at the […]

Director Pension Guide

1. What is a director pension? A director pension isn’t specifically it’s own type of pension. It is simply a private pension (in your own name) and one where you can contribute to it via your company or via personally. ​ As a director, you have access to a number of pension options, these include: […]

Relevant Life Guide

1. What is relevant life insurance? Relevant Life insurance also known as a Relevant Life Plan is a type of life insurance policy. It is a way a business can provide life insurance to its employees and directors, without the need to form a standard group life plan. If the relevant life policyholder dies or […]