Issuu

Horizons

SUMMER 2026 | ISSUE 10

Your magazine from Radiant Financial Group - for your brighter future

Beat the 2027 Inheritance Tax changes Earning returns on your returns Reinvent yourself at any age Equity release explained How remortgaging could lower your mortgage costs Is your income protected? The new science of living better for longer Long-term care – how to plan for your future Marriage vs cohabitation Building financial security across three generations Protect your family’s future by writing a Will Is your lifestyle making you tired? Garden trends that bring nature closer Tips on investing for retirement

A letter from the editor

here are some things that immediately take you back to a particular moment in time. For me, this summer’s prolonged sunshine has brought back memories of 1976. Those of you who remember it will know exactly why. Endless blue skies, parched lawns and seemingly endless conversations about the weather. While much of the country was enjoying the heat, I was sitting exams and trying to concentrate in temperatures that would challenge even the most diligent student. Half a century later, Britain is once again enjoying a summer that people are likely to talk about for years to come. Of course, this summer has not just been memorable because of the weather. It has also been a period of significant change, with Andy Burnham becoming Prime Minister following a change in Labour Party leadership. For businesses and individuals alike, changes in political leadership inevitably generate discussion about what might come next. The new Prime Minister has highlighted a range of priorities including addressing cost-of-living pressures, reviewing aspects of taxation, increasing powers for regional and local authorities, and focusing on economic growth across different parts of the UK. As always, the detail and implementation of policy will be what matters most. Businesses,

investors and consumers will be watching closely over the coming months as plans develop and priorities become clearer. From a financial planning perspective, however, one principle remains unchanged. Successful long-term planning has never depended on accurately predicting the next political development. Over the years, we have seen governments of different political colours, periods of economic growth and economic challenge, changing tax rules, rising and falling interest rates and more unexpected events than any of us could reasonably have forecast. Yet the people who tend to achieve the best long-term outcomes are rarely those attempting to predict every headline. More often, they are those who have a clear plan, remain focused on their objectives and are prepared to adapt when circumstances change. That approach applies just as much to businesses as it does to personal finances. At Radiant, we work with business owners, entrepreneurs, executives and individuals making important decisions about their future. While the external environment will always change, the fundamentals of effective financial planning remain remarkably consistent: having clear goals, understanding risks, maintaining flexibility and taking a long-term view.

Simon Cogman-Hellier Editor

Published by Radiant Financial Group Limited

HORIZONS / ISSUE TEN / SUMMER 2026

It is easy to become distracted by daily news cycles. Election results, budget announcements and market movements all attract understandable attention. Yet these events are only part of a much bigger picture. The reality is that most life-changing financial decisions are made over years and decades, not days and weeks. Perhaps there is a lesson in the weather too. Every few months, we convince ourselves that the current conditions will last indefinitely. In the depths of winter, we imagine it will never be warm again. During a heatwave, we wonder whether we will ever see rain. Neither proves to be true. The same can often be said of markets, economies and public debate. The immediate environment always feels exceptionally important, but history reminds us that change is constant and resilience matters. For now, though, I hope you are finding time to enjoy what has been a truly remarkable summer. Whether you are spending time with family, taking a well-earned holiday, supporting local businesses or simply enjoying a sunny evening in the garden, these are the moments that tend to last longer in the memory than any political headline. Although if the summer continues like this, those of us who survived the exams of 1976 may finally have some competition for our favourite weather story.

Radiant Financial Planning, part of the Radiant Financial Group, is a specialist provider of financial advice, tax planning, employee benefits and business consultancy services. Our clients include large and small businesses, entrepreneurs, owner-managers, senior executives and individuals. Our approach extends beyond traditional financial advice. Our team of experienced planners and consultants will help you to make life changing decisions, empowering you to take control of your financial future, both personally and in your business.

HORIZONS / ISSUE TEN / SUMMER 2026

Contents 6

Earning returns on your returns

Reinvent yourself at any age

Beat the 2027 Inheritance Tax changes

Equity release explained

How remortgaging could lower your mortgage costs

Is your income protected?

The new science of living better for longer

Long-term care – how to plan for your future

Marriage vs cohabitation

HORIZONS / ISSUE TEN / SUMMER 2026

Protect your family’s future by writing a Will

Is your lifestyle making you tired?

Garden trends that bring nature closer

Tips on investing for retirement

Building financial security across three generations

HORIZONS / ISSUE TEN / SUMMER 2026

Beat the 2027 Inheritance Tax changes Why a junior pension could be a smart family move Traditionally, pensions have been regarded as one of the most tax-efficient ways to preserve wealth. Yet forthcoming reforms could significantly alter that landscape HORIZONS / ISSUE TEN / SUMMER 2026

or many families, passing wealth down to future generations has long been an important part of financial planning. However, with significant changes to Inheritance Tax (IHT) rules scheduled to take effect from April 2027, parents and grandparents across the UK are increasingly reviewing how to protect family wealth and create lasting financial security for younger relatives. Traditionally, pensions have been regarded as one of the most tax-efficient ways to preserve wealth. Yet forthcoming reforms could significantly alter that landscape, prompting many families to explore alternative strategies before the new rules take effect.

A major shift in inheritance planning The government’s planned reforms will bring unused pension funds within the scope of Inheritance Tax from 6 April 2027. Under the current system, pension assets generally fall outside an individual’s estate, allowing them to be passed on without forming part of the IHT calculation. For families whose estates exceed the current £325,000 nil-rate band, including pension assets could significantly increase the value of assets liable to tax. As a result, many people are reassessing how and when they transfer wealth to younger generations. The changes are particularly relevant for individuals who have relied on pensions as a key estateplanning tool. With the rules set to change, there is growing interest in strategies that allow wealth to be transferred outside an estate sooner rather than later.

Why junior pensions are attracting attention One option gaining increased attention is the Junior SelfInvested Personal Pension (Junior SIPP). This type of pension can be opened on behalf of a child by a parent, grandparent or other family member. Although the child owns the

about future IHT liabilities, contributing to a grandchild’s pension can gradually reduce the value of an estate while creating a meaningful financial legacy. With the 2027 changes approaching, many advisers believe the current period presents an important opportunity for families to review their plans.

pension, they cannot access the funds until they reach the minimum pension age, currently expected to be 57 for today’s younger generations. While retirement may seem a lifetime away, this extended investment timeframe can offer significant advantages. For families looking beyond immediate financial needs, a Junior SIPP combines tax efficiency, long-term investment growth and wealth-transfer opportunities.

The benefits of tax relief and long-term growth One of the key attractions of a Junior SIPP is the government’s tax relief on contributions. Up to £2,880 can be contributed each tax year on behalf of a child, with basic rate tax relief increasing the total amount invested to £3,600. In simple terms, every £80 contributed becomes £100 invested. In addition, investments held within the pension can grow free from Income Tax and Capital Gains Tax, allowing returns to compound without the drag of ongoing taxation. Time is one of the most powerful factors in investing. Contributions made during childhood can benefit from decades of compound growth before retirement. Even modest, regular contributions have the potential to grow into substantial sums over a 50-year investment horizon, helping to provide valuable retirement savings later in life.

A useful estate-planning tool Junior SIPPs can also play a role in wider inheritance planning. Contributions are treated as gifts for Inheritance Tax purposes and may fall within existing gifting exemptions. For example, payments may be covered by the annual £3,000 gifting allowance. In some cases, larger regular contributions may also qualify under the normal expenditure out of income exemption. For grandparents concerned

Tess Williams Head of Advice Standards

Ready to take action before the deadline? By acting early, families can take advantage of existing tax reliefs, gifting allowances and long-term investment opportunities while helping younger generations build a stronger financial future. Understanding how the 2027 reforms could affect your estate, considering whether a Junior SIPP could benefit your children or grandchildren, and reviewing your wider inheritance planning strategy can help ensure your plans remain taxefficient and aligned with your family’s long-term financial objectives.

This article does not constitute tax, legal or financial advice and should not be relied upon as such. For guidance, seek professional advice. 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 affect the level of pension benefits available. Investments can fall as well as rise in value, and you may receive back less than you invest.

HORIZONS / ISSUE TEN / SUMMER 2026

Earning returns on your returns How compound growth can turn small savings into a significant amount

HORIZONS / ISSUE TEN / SUMMER 2026

any people assume that building meaningful wealth requires large sums of money from the outset. In reality, one of the most powerful forces in personal finance is something far simpler: time. When paired with consistent saving and investing, compound growth can turn modest contributions into substantial long-term wealth. This principle is often referred to as ‘earning returns on your returns’. Over time, it can significantly affect financial outcomes, particularly for those who start early and remain invested.

Understanding how compound growth works Compound growth occurs when the returns on your savings or investments begin to generate their own returns. Rather than growing linearly, growth accelerates over time as gains are reinvested and build on one another. For example, if £100 grows by 5%, you would have £105. The following year, a further 5% is applied to £105, not to the original £100. While the difference may seem small at first, over longer periods the effect becomes increasingly significant.

The power of time in investing Time is the most important factor in compounding. The longer money remains invested, the greater the opportunity for compounding growth. Even modest monthly contributions can grow significantly over decades. A small amount

saved regularly in your 20s or 30s can, depending on investment performance, potentially exceed larger contributions made later in life but invested for a shorter period. This is why we always emphasise the importance of starting early, even if initial contributions seem relatively small.

Why consistency matters more than timing One of the biggest misconceptions in investing is that timing the market is key. In reality, consistency matters far more than trying to predict short-term movements. Regular contributions, often made through monthly investing, help smooth out market volatility and build discipline. This approach also benefits from ‘pound cost averaging’ in which investments are bought at different prices over time, reducing the impact of market fluctuations. By staying invested and contributing regularly, savers give compounding the best possible environment in which to work.

Small savings, long-term impact To illustrate the effect, consider a regular saver contributing £200 per month over several decades. While the total contributions may amount to less than £100,000, the eventual value could be significantly higher, depending on investment returns and the length of the investment period. The key point is not the exact figures but the principle: consistent saving, combined with time in the market, can transform modest

contributions into meaningful financial outcomes. This makes compound growth one of the most effective longterm wealth-building tools for ordinary savers.

How to make compounding work for you To maximise the benefits of compound growth, it is important to start as early as possible, invest regularly and remain disciplined through periods of market volatility. Using tax-efficient wrappers such as Individual Savings Accounts (ISAs) or pensions can also improve outcomes by reducing or eliminating tax on growth, leaving more money invested to compound over time. The less money is lost to tax, and the longer it remains invested, the more powerful compounding becomes.

Building long-term financial confidence Ultimately, compound growth rewards patience, consistency and long-term thinking. It is not about making quick gains but about allowing time and discipline to do the work. For many people, understanding this concept can be the difference between financial uncertainty and long-term financial stability.

David Brennan Chief Investment Officer and Financial Planner

Want to unlock the potential of compound growth? Understanding how to make the most of compound growth, building a long-term savings strategy and regularly reviewing your investments and pension planning can help maximise the potential of your wealth over time. A tailored financial plan helps ensure your savings are aligned with your long-term objectives and work as effectively as possible towards your future goals. This article is for informational purposes only and does not constitute tax, legal or financial advice. The value of your investments (and any income from them) can go up or down, which will affect the level of pension benefits available. Investments can rise or fall in value, and you may receive back less than you invest.

Compound growth occurs when the returns on your savings or investments begin to generate their own returns. Rather than growing linearly, growth accelerates over time as gains are reinvested and build on one another.

HORIZONS / ISSUE TEN / SUMMER 2026

Reinvent yourse

How small shifts in confidence, curiosity and rou

einvention can sound dramatic, as though it requires leaving everything behind and becoming someone entirely new. In reality, it is often much quieter than that. It can begin with a new habit, a different way of thinking, a skill you have always wanted to learn or the decision to stop living only by old expectations. At any age, life can reach a point where something feels ready to change. Perhaps your career no longer excites you, your routine feels too predictable, your confidence has taken a knock or your priorities have shifted. Reinvention is not about rejecting who you have been. It is about allowing yourself to grow into who you are becoming.

Rethinking what change really means Many people delay change because they imagine it has to be big, risky or perfectly planned. They wait for the right time,

the right level of confidence or a clear sign that they are ready. But reinvention rarely arrives fully formed. More often, it starts with a small sense of restlessness and the courage to pay attention to it. Change need not mean turning your life upside down. It might mean taking better care of your health, returning to creativity, adjusting your working pattern, building new friendships, or giving yourself permission to want something different. The most meaningful reinventions are often built gradually, through choices that feel honest rather than impressive.

Letting go of old labels One of the biggest barriers to reinvention is the story you have carried about yourself for years. You may think of yourself as “not confident”, “not creative”, “too old”, “too late”, “too busy” or “not the sort of person who does that”. These labels can become so familiar that they start to feel

HORIZONS / ISSUE TEN / SUMMER 2026

like facts. But identities can soften. You are allowed to outgrow old versions of yourself, especially if they were shaped by fear, habit or other people’s opinions. Reinvention often begins when you stop asking whether you are already the kind of person who can change, and start asking what small action would help you move in that direction.

Starting with curiosity Curiosity is one of the gentlest ways to begin again. Rather than putting pressure on yourself to make a major decision, you can start by exploring what interests you now. What do you find yourself reading about? What conversations energise you? What did you once enjoy before life became too busy or practical? Following curiosity does not mean every interest has to become a career, a business or a serious commitment. Sometimes it is enough to try a class, visit a new place, read around a subject

or speak to someone who has taken a path you admire. Small experiments can reveal more than endless overthinking.

Building confidence through action Confidence does not usually appear before change; it grows because you take action. Waiting until you feel completely ready can keep you stuck, because unfamiliar things naturally feel uncomfortable at first. The first step may be awkward, uncertain or imperfect, but it still teaches you something important: you are capable of moving. Start with actions small enough that they do not overwhelm you. Send the email, book the class, update your CV, walk into the room, ask the question or set aside one hour a week for something that matters to you. Each action becomes evidence that change is possible, and that evidence slowly builds trust in yourself.

elf at any age

utine can help you create a fresh chapter Creating a routine that supports growth Reinvention is easier when your daily routine makes space for it. If every hour is filled with obligations, distractions or habits that drain you, it becomes much harder to imagine anything new. Creating space does not always mean having more time; sometimes it means using your attention more deliberately. You might protect one evening a week for learning, start your day with writing, take a regular walk to think clearly or reduce the habits that leave you feeling stuck. A supportive routine gives your new chapter somewhere to grow. Without that space, even the best intentions can get buried under the noise of everyday life.

Accepting that people may need time When you begin to change, not everyone will understand immediately. Some people may be used to the old version of you, while others may feel unsettled

by your new choices. This does not mean you are doing anything wrong. It simply means change can take time for others to adjust to as well. You do not need to explain every decision in detail or seek approval from everyone around you. It is enough to move with quiet confidence and let your actions speak over time. The people who truly care about your wellbeing may not understand everything at first, but they will usually respect the fact that you are trying to live more honestly.

new routine, or one honest admission that something needs to change. Reinvention is not about becoming someone else. More often, it is the process of becoming more fully oneself.

Becoming more yourself Reinventing yourself at any age is not about pretending the past did not happen. Your experiences, mistakes, relationships and lessons all come with you. They are not wasted years; they are part of the wisdom that helps you choose differently now. A fresh chapter need not be loud or dramatic to be meaningful. It can begin with one brave decision, one HORIZONS / ISSUE TEN / SUMMER 2026

Equity release explained: How it works and what it means

Understanding later-life borrowing options

HORIZONS / ISSUE TEN / SUMMER 2026

quity release allows some homeowners to access money from the value of their home later in life. It is usually considered by people who own their property outright or have a smaller mortgage balance and want to release funds without moving home. The money released may be used for many reasons, such as home improvements, supporting family, repaying an existing mortgage or creating extra financial flexibility in retirement. However, it is a major decision and should be considered carefully because it can affect the value of your estate and what you leave behind.

What does equity release mean? Equity is the difference between your property’s value and any mortgage or loan secured against it. If your home is worth £350,000 and you have no mortgage, your equity is broadly the full property value. Equity release is a way of turning some of that property wealth into cash. Unlike a standard residential mortgage, many equity release plans do not require monthly repayments, although some allow voluntary payments if you want to manage the interest.

How a lifetime mortgage works The most common type of equity release is a lifetime mortgage. This is a loan secured against your home, usually available to homeowners over a certain age. With many lifetime mortgages, interest is added to the loan over

time. The loan is usually repaid when the home is sold, often after the borrower dies or moves permanently into long-term care. Because the interest can build up, the amount owed may grow significantly over the years.

Why people consider equity release Some homeowners consider equity release because much of their wealth is tied up in their property. They may have a valuable home but limited retirement income or savings. Releasing equity can provide money without needing to sell and move. For some, this can support a better quality of life, help with one-off costs or allow them to help children or grandchildren financially.

What to think about first Equity release is not only a question of how much you can borrow. It is also about how the decision may affect your future choices, your family and your long-term financial position. You should consider whether you may want to move later, whether you need to protect inheritance, whether benefits could be affected and whether there are cheaper or simpler alternatives. These might include downsizing, using savings, remortgaging, retirement interestonly borrowing or support from family.

much is passed on to loved ones. Some plans allow you to protect a portion of the property value for inheritance, but this may reduce how much you can release. It is often sensible to involve family in the conversation, although the final decision remains yours.

Why advice is essential

Alan Holmes Head of Mortgages

Equity release is a specialist area and is not suitable for everyone. Advice is important because the right option depends on your age, property value, health, income needs, family plans and future care considerations. A qualified adviser can explain how the plan works, what it may cost over time and what alternatives may be available. Independent legal advice is also usually part of the process, helping you understand the commitment before going ahead.

Equity release can offer flexibility, but it needs careful planning Before making a decision, it is important to understand the long-term cost, the effect on inheritance and whether other later-life borrowing options may be more suitable.

Making a careful decision Equity release can be useful in the right circumstances, but it should not be rushed. It is a longterm arrangement secured against your home, and the effects may last for the rest of your life. Before deciding, it is worth looking at the full picture. That means understanding the amount you need, the cost of borrowing, the effect on your estate and whether other routes could meet the same need with less impact.

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it. This article is for general information only and does not constitute personal financial advice. Equity release and mortgage availability depend on your individual circumstances and lender requirements.

The impact on inheritance One of the biggest considerations is the effect on inheritance. Because equity release reduces the value left in the property, it can reduce how

Releasing equity can provide money without needing to sell and move. For some, this can support a better quality of life, help with one-off costs.

HORIZONS / ISSUE TEN / SUMMER 2026

How remortgaging could lower your mortgage costs Reviewing your deal before it changes HORIZONS / ISSUE TEN / SUMMER 2026

emortgaging can be one way to reduce your mortgage costs, especially if your current deal is coming to an end. When a fixed, tracker or discounted rate finishes, many borrowers move onto their lender’s standard variable rate unless they arrange a new deal. That change can sometimes increase monthly payments, which is why it is worth reviewing your options before your current rate ends. A remortgage may help you secure a more suitable rate, adjust your mortgage term or change how your mortgage is structured.

Changing your mortgage term

Why your deal end date matters

Switching mortgage type

Your mortgage deal end date is one of the most important points to keep an eye on. If you do nothing, your mortgage may move onto the lender’s standard variable rate, which can be higher than the rate you were previously paying. Starting your review early gives you more time to compare options. It can also help you avoid making a rushed decision under pressure, particularly if rates, fees or lender criteria have changed since you last arranged your mortgage.

Finding a more suitable rate One of the main reasons people remortgage is to look for a better interest rate. Even a small difference in rate can affect your monthly payment, especially on a larger mortgage balance. However, the lowest rate is not always the cheapest option overall. Arrangement fees, valuation fees, legal costs and cashback incentives can all change the true cost of a mortgage deal. It is important to compare the full package, not just the headline rate.

Remortgaging can also give you an opportunity to review your mortgage term. Extending the term may reduce your monthly payment because the debt is spread over a longer period. However, a longer term can mean paying more interest overall. Shortening the term may help you clear the mortgage sooner, but it can increase your monthly payment. The right balance depends on what feels affordable now and what supports your longer-term plans.

Some borrowers remortgage because they want more certainty. For example, moving onto a fixedrate mortgage can make monthly payments easier to plan, as the payment stays the same for the agreed deal period. Others may prefer a tracker or variable-rate option if they are comfortable with payments moving up or down. The right type of mortgage depends on your attitude to risk, your budget and how much flexibility you need.

Considering a product transfer You may not always need to move to a new lender to reduce costs. A product transfer with your existing lender can sometimes offer a simpler route onto a new deal. This may involve fewer checks and less paperwork than a full remortgage. However, it still makes sense to compare the wider market before deciding, as another lender may offer a more suitable option for your circumstances.

Checking your property value Your property value can affect

the deals available to you. If your home has increased in value, or your mortgage balance has reduced, your loan-to-value may have improved. A lower loan-to-value can sometimes help you access a wider choice of mortgage deals. This is not guaranteed, but it is one reason why reviewing your position before choosing a new deal can be worthwhile.

homeowner may not be suitable for another. Taking advice before your deal ends can help you compare your current mortgage against new options in a clear and practical way. It can also help you understand whether remortgaging, switching products, or staying where you are makes the most sense.

Watching out for extra costs Remortgaging can save money in some situations, but there may be costs to consider. These can include arrangement fees, legal fees, valuation fees and any early repayment charge on your current deal. If you leave a mortgage deal before it ends, the early repayment charge can be significant. In some cases, waiting until the right time may make more financial sense than switching immediately.

Looking beyond the monthly payment Lowering your monthly payment can be helpful, but it should not be the only factor. A cheaper payment today may cost more over the full mortgage term if it comes with a longer repayment period or higher total interest. It is worth looking at both the short-term and long-term effect of any new deal. A good mortgage review should consider monthly affordability, total cost, flexibility, fees and how long you expect to stay in the property.

Making the right comparison Remortgaging can be a useful way to lower costs, but the benefit depends on your current deal, the options available and your personal circumstances. What works well for one

Craig Hamilton Mortgage and Protection Advisor

A lower mortgage payment can make a meaningful difference, but the full cost matters too Before switching, it is worth comparing rates, fees, term length and lender criteria so you can see whether a new deal genuinely improves your position. Your home may be repossessed if you do not keep up repayments on your mortgage. This article is for general information only and does not constitute personal financial advice. Mortgage availability, rates and criteria depend on your individual circumstances and lender requirements.

HORIZONS / ISSUE TEN / SUMMER 2026

Is your income protected? Half of UK workers see income protection as vital, yet only 27% have it

ecent research reveals a striking insight. 50% of the UK’s working population believes they would feel more financially resilient with income protection insurance[1]. This type of cover is specifically designed to provide financial support if you’re unable to work due to illness or injury. Yet despite the peace of mind it offers, only 27% of UK workers currently hold an income protection policy. This gap between awareness and action is concerning. With the average worker supporting three dependents and many households relying on dual incomes to meet monthly expenses, the loss of a salary could lead to immediate financial strain. The findings highlight a growing financial vulnerability across the country.

Reality of household reliance The research also highlights the precarious financial situation many households face. Household debt has risen by an average of £1,734 over the past year, reaching £20,640. Meanwhile, a third of UK workers have less than £5,000 in savings, and nearly a quarter have under £1,000. For these

individuals, an unexpected period off work could be financially devastating. Income protection can be a vital safety net in such situations. It provides a regular, tax-free monthly income during periods of illness or injury, helping you cover essential costs such as your mortgage or rent, utility bills, and daily living expenses. This allows you to focus on your recovery without the added stress of financial worries.

Bridging the protection gap The findings also highlight a significant protection gap among renters, women, and single parents, groups that are often more vulnerable to financial shocks. As living costs continue to rise, a robust financial plan has never been more critical. An income protection policy offers more than financial security; it provides confidence and peace of mind when you need it most. It’s designed to help you build both emotional and financial resilience, enabling you to face life’s challenges with greater stability.

HORIZONS / ISSUE TEN / SUMMER 2026

Harvin Samra Financial Planner

Is it time to take control of your financial future? Income protection can play an important role in safeguarding your financial resilience, helping to provide a replacement income if illness or injury prevents you from working. Reviewing your protection arrangements as part of your wider financial plan can help ensure you and your family are better prepared for life’s unexpected events. This article is for information purposes only and does not constitute tax, legal or financial advice. Tax treatment depends on individual circumstances and may change in the future. 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 affect the level of pension benefits available. Investments can fall as well as rise in value, and you may get back less than you invest. Source data: [1] Research from the LV= Reaching Resilience report - data from a survey of 2,720 nationally representative UK workers conducted for LV= by Opinium between 15 and 25 October 2024.

HORIZONS / ISSUE TEN / SUMMER 2026

The new science of living better for longer How everyday choices can support energy, resilience and healthier ageing HORIZONS / ISSUE TEN / SUMMER 2026

iving longer is no longer the only goal. For many people, the real ambition is to live well for longer, with the energy, strength and independence to enjoy each stage of life rather than simply move through it. It is less about chasing youth and more about building a body and mind that can continue to support the life you want. This shift has changed the way we think about health, ageing and daily habits. Instead of looking for dramatic transformations, the focus is moving towards small, consistent choices that protect wellbeing over time. The science of healthy ageing may sound complex, but much of it points back to familiar foundations: movement, nourishment, rest, connection and prevention.

Living well starts with consistency One of the clearest lessons from modern wellbeing research is that the body responds to patterns. A single healthy meal, one early night or an occasional long walk can certainly help, but the real benefit comes from the habits that quietly repeat themselves across weeks, months and years. This is reassuring, because it means better health does not require perfection. You do not need to follow every wellness trend, overhaul your routine overnight or live with constant restriction. A more realistic approach is to build a handful of habits that support your heart, muscles, brain, sleep and mood most of the time, while still leaving space for real life.

Protecting strength and mobility Physical strength is one of the most valuable assets we carry into later life. As we get older, muscle mass, balance and flexibility can gradually decline, which may affect confidence, mobility and independence. Regular movement helps slow that process and keeps the body feeling capable, whether that movement comes from walking, swimming, cycling, gardening, dancing or a weekly fitness class. Strength training is especially useful because it supports muscles, bones and everyday function. This does not have to mean lifting heavy weights in a gym or following an

intimidating routine. Bodyweight exercises, resistance bands, Pilates, yoga or even carrying shopping bags can all play a role. What matters most is that the body is challenged gently, safely and regularly.

Supporting the brain and mood Healthy ageing is not only physical. Mental sharpness, emotional resilience and a sense of purpose are just as important as fitness or nutrition. The brain benefits from stimulation and variety, which means reading, learning new skills, solving problems, having meaningful conversations and staying curious can all help keep the mind engaged. Connection also plays a powerful role in long-term wellbeing. It is easy to underestimate the health value of ordinary social contact, but feeling connected to others can bring structure, comfort and meaning into daily life. Spending time with friends, joining a group, volunteering, calling family or simply being part of a local community can all support emotional health in a very human way.

Eating for energy and repair Food is one of the most practical tools we have for supporting the body over time. A nourishing diet can help with energy, digestion, heart health and immune function, while also making everyday life feel more balanced. The most useful approach is often simple: more vegetables, fruit, wholegrains, beans, lentils, nuts, seeds, oily fish and good-quality protein. This does not mean giving up enjoyment or turning every meal into a health project. Food should still feel satisfying, social and realistic. A healthy way of eating is much easier to maintain when it includes meals you genuinely like and can return to often. Rather than chasing strict rules, focus on variety, colour and balance across the week.

Rest, recovery and stress Sleep is sometimes treated as a luxury, but it is one of the main ways the body repairs and resets. Good sleep supports concentration, mood, appetite, recovery and

overall resilience. A calmer evening routine, less screen time before bed and a consistent wake-up time can all help the body settle into a more reliable rhythm. Stress also has a direct effect on how well we feel. Some pressure is unavoidable, especially when life is busy, but constant strain can leave the body tense, tired and reactive. Regular breaks, time outdoors, breathing exercises, hobbies and better boundaries can all help create small pockets of recovery throughout the day.

Prevention before problems build One of the most important shifts in modern health is the move from reaction to prevention. Rather than waiting until something feels wrong, more people are choosing to check in earlier and take small issues seriously. Routine health checks, dental appointments, eye tests and conversations with healthcare professionals can help identify concerns before they become harder to manage. Prevention also applies to lifestyle. It is often easier to protect strength, mobility, energy and confidence than to rebuild them later from a lower starting point. The benefits may not feel dramatic straight away, but the habits you practise now can quietly shape how capable and well supported you feel in the years ahead.

A more positive way to age Living better for longer is not about trying to avoid ageing altogether. It is about respecting the process and giving yourself the best possible chance of feeling strong, connected and engaged as life changes. Ageing well does not require a perfect routine; it asks for care, awareness and a willingness to make choices that support your future self. The new science of longevity is surprisingly grounded. Move often, eat well, sleep properly, stay connected, keep learning, manage stress and book the checks that matter. None of these habits is complicated on its own, but together they can help create a healthier, fuller and more enjoyable life.

HORIZONS / ISSUE TEN / SUMMER 2026

Long-term care – how to plan for your future Securing your financial wellbeing in later life starts with early preparation

hinking about care in your later years may seem premature, especially if you are currently fit and healthy. However, with average life expectancy in the UK continuing to rise, the likelihood of needing some form of care support increases significantly. It is estimated that one in four of us will need long-term care at some point, making early financial planning not just sensible but essential. Some people may assume the state will automatically cover these costs. While local authorities provide support, it is strictly means-tested. If your assets, including your property, exceed the £23,250 threshold in England, you will likely have to fund your own care.

Growing financial burden Care home fees have spiralled over the past two years for people needing a bed in a residential or nursing home. Some individuals paid up to 20% more in 2023/24 than in 2021/22, according to a report[1]. This sharp increase

highlights the growing financial burden on those funding their own later-life care. The average weekly fee for a residential care home has now reached £949, a 19% increase since 2021/22. For those requiring nursing care, the average weekly cost is £1,267, marking an 18% rise over the same period. These significant increases are largely driven by wider inflationary pressures, including surging energy prices and successive increases in the National Living Wage, which heavily affect provider operating costs.

A tale of two prices A significant disparity exists between what local authorities pay for care and the fees charged to private individuals. This gap suggests that self-funded residents are subsidising the cost of care for those funded by the state. Councils, with their substantial bargaining power, can negotiate lower rates. For nursing care, private-pay clients are charged an average of £1,409 per week, £263 more than local authorities pay. This financial imbalance is even

HORIZONS / ISSUE TEN / SUMMER 2026

more pronounced in residential care, where the difference is £308 per week. This two-tier system adds to concerns that individuals and their families are bearing the brunt of a strained social care system. As political parties appear hesitant to tackle social care reform, it seems likely that self-funders will continue to face rising costs.

Postcode lottery of costs Care home fees also vary significantly across the country. Residents in the North and the Midlands generally pay substantially less than those in the South. For example, the North East has the lowest average weekly nursing care fee at £1,073, while the South East is the most expensive region, with average nursing care fees of £1,457 per week. This regional variation is not just due to property prices and pay rates. Analysis shows that costs across the board, including food and staffing levels, are higher in more affluent areas. Providers in these regions appear to flex their costs upwards to meet the

expectations of a client base dominated by private payers, while those in less affluent areas must keep costs down to remain viable.

Exploring funding solutions Fortunately, there are several ways to prepare. Immediate needs annuities are a popular choice for those already receiving care, providing a guaranteed income for life in exchange for a lump sum. For those planning ahead, specific insurance policies or dedicated investment strategies can build a fund earmarked for future health needs. Equity release is another option some homeowners consider, unlocking the value tied up in their property to pay for domiciliary care while staying at home. Each option carries specific tax implications and risks, so professional advice is crucial to ensure you choose the option that best suits your family’s circumstances.

Michelle Woodward Financial Planner

Need more information on planning for care costs? If you are unsure about how to fund potential care costs or want to protect your estate for future generations, taking the time to review your long-term care plans can help ensure you have the right arrangements in place and greater confidence about the future.

This article does not constitute tax, legal or financial advice and should not be relied upon as such. For guidance, seek professional advice. Source data: [1] LaingBuisson’s Care Homes for Older People UK Market Report (The thirty-fifth edition), published: 27th February 2025.

HORIZONS / ISSUE TEN / SUMMER 2026

Marriage vs cohabitation:

The hidden tax differences that couples often overlook How your relationship status can significantly shape how wealth is taxed and passed on in the UK

HORIZONS / ISSUE TEN / SUMMER 2026

hen it comes to finances, many couples may assume that simply living together or being married makes little difference to their tax position. Yet in the UK, the legal status of a relationship can have a meaningful impact on Inheritance Tax, Capital Gains Tax and even the way assets are passed on. For some households, this difference only becomes clear at a major life event, when planning opportunities are far harder to recover.

Tax treatment gap couples often miss Marriage and registered civil partnerships confer a set of tax advantages that cohabiting couples do not automatically receive. One of the most significant is the Inheritance Tax (IHT) spouse exemption, which allows assets to pass between spouses or registered civil partners both during their lifetime and on death, without triggering an immediate IHT charge. By contrast, unmarried partners do not benefit from this exemption. Instead, assets passing between them on death may be subject to IHT at up to 40% if the estate exceeds the available nil-rate bands. Even jointly owned assets may not fully avoid tax exposure, depending on the ownership structure and the distribution of the estate. There is also the Marriage Allowance, which allows some couples to transfer a portion of their unused personal allowance if one partner earns below the Income Tax threshold. While the annual benefit is modest, it can still deliver useful savings over time. More broadly, married couples also benefit from Capital Gains Tax (CGT) rules that allow assets to be transferred between spouses on a ‘no gain, no loss’ basis, enabling more efficient long-term tax planning.

Why cohabiting couples can face higher exposure For unmarried couples,

the financial implications often only become apparent during emotionally difficult circumstances, such as illness or bereavement. Unlike married couples, cohabiting partners do not have automatic inheritance rights under intestacy rules in England and Wales, so estates may pass instead to children, parents or other relatives. This can create unexpected financial pressure at an already stressful time. If a cohabiting partner is not named in a Will, they may need to make a legal claim against the estate, which can be time-consuming and costly. Even when provision is made, Inheritance Tax may still be payable in full, potentially reducing the value of what is passed on. In some cases, this can lead to forced asset sales, particularly when property is involved, and funds are needed to settle tax liabilities. The absence of spousal exemptions means cohabiting couples often need to rely more heavily on proactive planning tools, such as life insurance written in trust or carefully structured Wills.

Planning ahead can make a significant difference Understanding how assets are owned and how they will pass on death is essential for all couples, regardless of marital status. For cohabiting partners in particular, joint ownership does not provide the same legal or tax protections as marriage or a registered civil partnership. For example, pension assets can behave differently depending on the nominated beneficiaries, and not all pension schemes treat unmarried partners equally without clear documentation. Similarly, savings and investments held solely in one partner’s name will not automatically pass to the surviving partner unless there is a valid Will. Practical planning steps can significantly reduce risk. Writing or updating Wills ensures that

assets are distributed according to personal wishes rather than under intestacy rules. In addition, naming pension beneficiaries and placing life insurance policies in trust can help ensure that funds pass efficiently and outside the estate, thereby reducing Inheritance Tax.

Key reliefs available to married couples Married couples and registered civil partners enjoy several structural tax advantages not available to cohabiting partners. These include unlimited tax-free transfers between spouses during life or on death, which can simplify estate planning and reduce immediate tax exposure. Another important benefit is the ability to transfer unused Inheritance Tax allowances, including the nil-rate band and the residence nil-rate band, between spouses. This can effectively double the threshold on second death, increasing the amount that can pass to beneficiaries free of IHT. Capital Gains Tax planning is also more flexible within marriage. Assets can be transferred between spouses without triggering a disposal, enabling couples to manage gains more efficiently across both individuals’ tax allowances. This can be particularly valuable for investment portfolios, second properties or business assets.

Closing the gap through early financial planning The differences between marriage and cohabitation are not merely legal technicalities; they can have real financial consequences over time. While cohabiting couples may choose not to marry for personal or practical reasons, it remains important to understand the potential tax implications and plan accordingly. Early financial planning can help bridge many of the gaps. Reviewing Wills, ensuring beneficiary nominations are up to

date and assessing Inheritance Tax exposure can significantly improve outcomes. In some cases, couples may also consider formalising arrangements or using trusts and insurance solutions to replicate protections automatically available to married couples. Taking advice early allows couples to make informed rather than reactive decisions, particularly where property ownership, pensions or blended families are involved.

Louise Spencer Financial Planner

Ready to take action to protect your position? Understanding how marriage or cohabitation could affect your tax position, together with regularly reviewing your financial and estate planning arrangements, can help ensure your plans remain taxefficient, legally robust and aligned with your personal circumstances and long-term objectives. This article does not constitute tax, legal or financial advice and should not be relied upon as such. Estate and tax planning are not regulated by the financial conduct authority. For guidance, seek professional advice.

HORIZONS / ISSUE TEN / SUMMER 2026

Building financial security

across three generations HORIZONS / ISSUE TEN / SUMMER 2026

Ensure your financial plans support not only your future but also the generations that follow

n an era of rising living costs, longer lifespans and increasing tax pressures, many UK families are beginning to think beyond their own financial future. Increasingly, the focus is shifting towards building long-term financial security that can benefit children, grandchildren and even future generations. Rather than treating wealth as something built and spent within a single lifetime, families are now exploring ways to structure savings, investments and estate planning so that financial stability can be passed on more efficiently and effectively.

Why generational planning is becoming essential Traditionally, financial planning has focused on retirement and later-life income. However, changing economic conditions have made it harder for younger generations to get onto the property ladder, build up savings and achieve financial independence. At the same time, older generations are living longer and often hold significant wealth in property, pensions and investments. This combination has created a growing opportunity and responsibility for families to consider how wealth is passed between generations.

Helping children get a financial head start For many families, the first step in generational planning is to support children and grandchildren early on. This may include contributions to Junior Individual Savings Accounts (JISAs), pensions for children or regular gifting to build long-term savings.

Even modest contributions, made consistently over time, can grow significantly through compounding. Starting early allows investments to benefit from decades of potential growth, creating a meaningful financial foundation for adulthood. Importantly, this approach can also help instil positive financial habits in younger family members, encouraging saving, investing and long-term thinking from an early age.

Supporting retirement while protecting wealth For the middle generation, typically those in their peak earning years, the focus often shifts towards balancing retirement planning with family support. This can include maximising pension contributions, using ISAs efficiently and reviewing tax allowances to ensure wealth is structured effectively. It may also involve helping children financially while avoiding any compromise to personal retirement security. Striking this balance is key. Supporting family members should not come at the expense of long-term financial independence in later life.

Wills and considering trust structures can help ensure more wealth is passed on to family members rather than lost to tax. In many cases, early planning also provides greater flexibility, allowing individuals to transfer wealth gradually rather than making decisions at the last minute.

Creating a lasting family financial legacy Ultimately, building financial security across generations is not just about tax efficiency or investment performance. It is about creating long-term stability, opportunity and resilience for family members. By combining savings discipline, thoughtful planning and professional advice where needed, families can ensure

Peter Beacham Financial Planner

Time to protect your family’s financial security? Building and protecting your family’s financial security, passing on wealth efficiently and regularly reviewing your financial and estate planning strategy can help ensure your plans remain aligned with your long-term goals. A tailored approach provides greater clarity and confidence, supporting not only your own future but also the generations that follow. This article does not constitute tax, legal or financial advice and should not be relied upon as such. Inheritance tax and tax planning are not regulated by the financial conduct authority. For guidance, seek professional advice.

Passing wealth efficiently to the next generation For older generations, estate planning becomes increasingly important. Without proper planning, a significant portion of wealth could be lost to Inheritance Tax, which is currently charged at up to 40% on estates above certain thresholds in the 2026/27 tax year. Simple steps such as using gifting allowances, reviewing

HORIZONS / ISSUE TEN / SUMMER 2026

Protect your family’s future by writing a Will

Ensuring your estate is distributed in line with your wishes HORIZONS / ISSUE TEN / SUMMER 2026

or most of us in the UK, life follows a familiar path. We buy our first home, start a family, build a career and increasingly care for ageing relatives. Yet despite these significant milestones, many people still delay one of the most important aspects of financial planning: writing a Will. Conversations about death are understandably uncomfortable. Most of us would rather focus on living than on planning for what happens after we’re gone. Yet avoiding the discussion does not make it any less important. Just as sensible tax planning helps ensure more of your wealth remains where it belongs, a Will helps ensure your estate is distributed according to your wishes.

Taking control of your legacy A Will is far more than a legal document. It is a clear expression of your intentions and a cornerstone of effective financial planning. By putting your wishes in writing, you decide who inherits your assets, property and possessions, rather than leaving those decisions to default legal rules. For parents, a Will provides another vital safeguard. It allows you to appoint guardians for your children should the

unexpected happen. Without those instructions, decisions about their care may ultimately fall to the courts.

Separating fact from fiction Many people postpone writing a Will because they believe they are too young. In reality, illness, accidents and unexpected events can occur at any stage of life. Having a Will in place provides certainty regardless of age. Others assume their family already knows what they would want. While loved ones may understand your wishes, verbal conversations are not legally binding. Without a valid Will, your estate is distributed under intestacy rules, which may produce outcomes very different from those you intended. Some people believe Wills are only necessary for parents or the wealthy. In fact, anyone who owns property, savings, investments or personal possessions can benefit from documenting how those assets should be passed on.

The cost of doing nothing A common concern is cost. Yet the financial and emotional cost of dying without a Will is often far greater. When someone dies intestate, solicitors may need to identify beneficiaries, trace

assets and navigate complex legal procedures, which can cause delays and incur additional fees. The consequences can be particularly significant for larger or more complex estates. Without appropriate planning, families may face avoidable administrative burdens and potentially higher tax implications.

Building a plan that works A Will can be as straightforward or as detailed as you choose. Typically, it sets out who inherits your estate, who will act as executors and guardians for children, specific gifts to family, friends or charities, and even funeral preferences. It’s ultimately about more than wealth transfer. It provides clarity, certainty and reassurance for the people you care about most. By taking action today, you can help reduce stress, minimise uncertainty and protect your loved ones when they need it most.

Chelsey Crulley Financial Planner

Do you have peace of mind for the future? Creating, reviewing or updating your Will is an important part of ensuring your wishes are clearly documented and that your estate is managed in line with your intentions. Taking a considered approach can help provide greater certainty and ensure your plans remain appropriate as your circumstances change. This article does not constitute tax, legal or financial advice and should not be relied upon as such. Estate and tax planning are not regulated by the financial conduct authority. For guidance, seek professional advice.

A Will helps ensure your estate is distributed according to your wishes.

HORIZONS / ISSUE TEN / SUMMER 2026

Is your lifestyle making you tired? Small changes that make a big difference Simple ways to restore your energy, improve your routine and feel more like yourself again

eeling tired has become so normal that many people barely question it anymore. Between work, family life, errands, social plans and the constant pull of screens, it is easy to move through the day in a state of low-level exhaustion and simply assume that this is how modern life feels. But tiredness is not always about one bad night’s sleep. Sometimes it is the result of several small habits quietly working against you. The way you start your morning, the food you rely on, the amount of time you spend sitting down, how often you take proper breaks and how late you stay connected can all shape your energy more than you might realise.

Understanding everyday tiredness There is a difference between feeling sleepy and feeling drained. Sleepiness usually means your body needs rest, while that deeper feeling of fatigue can

come from stress, poor routine, lack of movement, dehydration, unbalanced meals or simply being mentally overloaded for too long. Of course, ongoing or unexplained tiredness should not be ignored, especially if it feels unusual for you or affects daily life. In many cases, though, everyday tiredness is made worse by patterns that can be adjusted gently. The aim is not to overhaul your entire lifestyle, but to notice where your energy is being lost and make small changes that are easier to keep.

Starting the day with more intention The first hour of the morning can influence how the rest of the day feels. If you wake up and immediately reach for your phone, your mind is pulled into messages, news, work and other people’s demands before you have even had a chance to settle into the day. That instant rush of information can leave you feeling behind before you begin.

HORIZONS / ISSUE TEN / SUMMER 2026

A calmer start does not need to be complicated. Open the curtains, drink some water, stretch for a minute or two, and give yourself a short buffer before checking your phone. Even five minutes of slower, more deliberate movement can help create a sense of control, rather than launching straight into the noise of the day.

Eating for steadier energy Food has a direct effect on energy, but it is not only about eating more or less. Meals that are very sugary or heavily refined can give a quick lift, followed by a dip that leaves you reaching for another snack or cup of coffee. Over time, this cycle can make tiredness feel even harder to escape. A better approach is to build meals that release energy more steadily. Try pairing carbohydrates with protein, fibre or healthy fats, such as porridge with nuts, wholegrain toast with eggs, soup with beans, or yoghurt

with fruit and seeds. These simple combinations help meals feel more satisfying and can keep your energy from swinging sharply throughout the day.

Moving when you feel sluggish When you are tired, exercise can feel like the last thing you want to do. Yet gentle movement is often one of the quickest ways to feel more awake, especially if you have been sitting for long periods. A short walk, a few stretches or taking the stairs can improve circulation and help clear the fog that builds during a sedentary day. This does not mean forcing yourself through intense workouts when your body is asking for rest. The goal is to bring movement back into ordinary routines. A ten-minute walk at lunchtime, standing up during phone calls or stretching while the kettle boils can all help your body feel less stiff and your mind feel more alert.

Taking proper breaks from your mind Tiredness is not always physical. Mental fatigue can be just as draining, particularly when your attention is constantly being split between emails, messages, notifications and unfinished tasks. Even when you are technically resting, your brain may still be processing, planning and reacting. Proper breaks give your mind a chance to reset. Step away from your screen, make a drink without scrolling, sit outside for a few minutes or do one small task slowly and without distraction. These pauses may seem minor, but they help break the feeling of being constantly switched on.

Protecting your evening routine Many people feel tired all day, then suddenly find themselves wide awake at night. Screens, late meals, unfinished work and overstimulation can all make it harder for the body to recognise

that it is time to wind down. The evening often becomes an extension of the working day rather than a bridge into rest. Creating a gentler evening routine can make sleep feel more natural. Dim the lights, reduce screen time where possible, prepare for the next morning and choose something calming before bed, such as reading, stretching or listening to music. The routine does not have to be perfect; it simply needs to send your body the same message each night.

are the ones that feel realistic enough to repeat. You do not need to become a different person or live by a strict routine to feel better. Start with one small habit, notice how it affects your day, then build from there. Over time, those small adjustments can help you feel clearer, calmer and more like yourself again.

Small changes that add up Improving your energy is rarely about one dramatic solution. More often, it comes from adjusting the daily habits that quietly drain you. Drinking more water, eating steadier meals, moving a little more, taking real breaks and protecting your sleep can all make a noticeable difference when they become part of your normal rhythm. The most useful changes HORIZONS / ISSUE TEN / SUMMER 2026

Garden trends that bring nature closer How thoughtful planting, wildlife-friendly design and softer outdoor spaces are changing the way we garden

HORIZONS / ISSUE TEN / SUMMER 2026

ardens are no longer being seen only as places to keep tidy, mow neatly and decorate for summer. Increasingly, they are becoming spaces that help people feel closer to nature, even in the middle of busy towns and cities. A garden can be a retreat, a small ecosystem, a place to grow food, a haven for wildlife and a calming extension of the home. This shift has changed the way many people think about outdoor design. Instead of highly controlled spaces that demand constant maintenance, the most appealing gardens now often feel softer, more layered and more alive. They invite birds, bees and butterflies in, make room for seasonal change and create a stronger sense of connection between everyday life and the natural world.

Softer planting and natural movement One of the most noticeable garden trends is a move towards looser, more natural planting. Rather than rigid borders and overly formal layouts, many gardeners are choosing grasses, perennials, wildflowers and shrubs that move with the wind and change through the seasons. The effect is relaxed, textured and much closer to the feeling of a meadow or woodland edge. This style does not mean letting the garden become completely unmanaged. It is more about creating a planned sense of naturalness, where plants are chosen for shape, colour, height and seasonal interest. Soft planting can make even a small garden feel more generous, especially when different layers create depth and movement throughout the year.

Wildlife-friendly spaces Gardens have an important role to play in supporting wildlife, and this is influencing everything from planting choices to layout. More people are adding pollinatorfriendly flowers, leaving seed heads

for birds, creating small ponds, building log piles and allowing certain corners to stay a little wilder than before. These changes can be simple but powerful. A border filled with lavender, foxgloves, verbena, salvia, echinacea or native wildflowers can become a valuable food source for bees and butterflies. A shallow dish of water, a gap under a fence for hedgehogs or a small area of long grass can also help turn a garden into a more welcoming habitat.

Outdoor rooms with a natural feel Outdoor living remains popular, but the look is becoming calmer and more nature-led. Instead of creating spaces that feel like indoor rooms placed outside, many people are choosing materials, colours and planting that blend more gently with the surroundings. Timber, stone, gravel, clay pots and woven textures can help create a warm, grounded feel. The most successful outdoor rooms are not just practical seating areas. They are places where you want to linger. A bench tucked into planting, a small dining space under a pergola or a quiet corner with pots and climbing plants can all create a sense of retreat. The aim is comfort, but without losing the feeling of being outdoors.

Growing food in beautiful ways Edible gardening is becoming more decorative as well as practical. Herbs, vegetables, fruit trees and edible flowers are being woven into borders, containers and small spaces, rather than hidden away in a separate vegetable patch. This makes growing food feel more accessible, especially for people with patios, balconies or compact gardens. A few pots of herbs near the kitchen door, strawberries in hanging baskets, tomatoes in a sunny corner or a small apple tree in a container can all bring the pleasure of

homegrown food into everyday life. It is a trend that connects beauty with usefulness, reminding us that a garden can feed both the senses and the table.

Water as a calming feature Water has a naturally calming effect, and even a small feature can change the atmosphere of a garden. A pond, water bowl, rill or simple fountain can add sound, reflection and movement, while also supporting wildlife if designed thoughtfully. You do not need a large garden to introduce this element. Small ponds are especially valuable because they can attract insects, birds and amphibians, while creating a more peaceful focal point. For patios or balconies, a large bowl filled with aquatic plants can still bring a sense of stillness and life. Water encourages you to slow down, listen and notice what is happening around you.

Gardening for lower maintenance Another important trend is the move towards gardens that are easier to care for without feeling bare or lifeless. Busy lifestyles mean many people want outdoor spaces that look good without needing constant attention. This has encouraged more thoughtful planting, with hardy perennials, drought-tolerant plants, mulching and ground cover used to reduce watering, weeding and replanting. Lower maintenance does not have to mean low interest. In fact, choosing the right plants for the right place often creates a richer garden because everything is better suited to its conditions. A garden that works with the soil, light and climate will usually feel healthier and more settled than one that constantly needs correcting.

noticing the seasons more fully. Spring bulbs, summer flowers, autumn seed heads and winter evergreens all bring their own kind of beauty. Instead of expecting the garden to look perfect all year, there is more appreciation for change, texture and the quieter months. This seasonal approach makes gardening feel less like a battle for control and more like a relationship with nature. It encourages patience, observation and a willingness to enjoy each stage of the year for what it offers. A garden becomes not just a finished space, but an evolving one.

Bringing nature closer to home The garden trends that feel most meaningful are not simply about style. They reflect a deeper desire to live with more nature, more calm and more connection. Softer planting, wildlife-friendly choices, edible corners, water features and natural materials all help create outdoor spaces that feel alive and restorative. Whether you have a large garden, a courtyard, a balcony or a few pots by the door, there are ways to bring nature closer. Start with one small change: a pollinator plant, a herb pot, a water bowl, a quieter seating corner or a patch left slightly wild. Over time, these choices can turn even the simplest outdoor space into somewhere that feels more natural, more personal and more rewarding to spend time in.

A closer connection to the seasons Many of the most appealing garden trends are really about

HORIZONS / ISSUE TEN / SUMMER 2026

Tips on investing for retirement

Building financial confidence for the future

hether you are nearing retirement or that time is still a long way off, it’s never too early to start planning. With rising life expectancy, you may need your pension funds for several decades. Investing for retirement is one way to maintain a steady income throughout those years. An early retirement, when hopefully still fit and healthy, many people want to travel and tick items off their ‘bucket list’ with their newfound free time. Spending patterns often shift over the years, with costs potentially dipping before rising again later in life due to care needs and healthcare expenses. Whatever retirement looks like for you, careful planning can help provide greater financial security and peace of mind.

Make the most of pension tax benefits One of the biggest advantages of investing for retirement is the generous tax relief available through pensions. When you contribute to a pension, the government effectively boosts your savings by adding tax relief, helping your retirement fund grow faster than it would with other investment vehicles. In the 2026/27 tax year, investors can receive up to 45% tax relief on personal pension contributions. For example, if you contribute £8,000 to a Self-Invested Personal Pension (SIPP), your pension provider can reclaim £2,000 from HM Revenue & Customs, resulting in a total

investment of £10,000. Higher and additional rate taxpayers may be able to claim further relief through their tax return, significantly reducing the overall cost of investing.

Understand your contribution limits While pension tax relief can be highly valuable, it is important to understand the rules around annual allowances. In most cases, up to £60,000 can be contributed to pensions each tax year, including employer contributions and tax relief. However, contribution limits may be reduced for higher earners under the tapered annual allowance. Those who have already started accessing pension benefits flexibly may also face reduced annual allowances. Lower earners and those without earnings can still benefit from pension contributions, with a minimum annual allowance of £3,600. As pension legislation can change over time, staying up to date with current rules remains essential.

Balance pensions and ISAs When planning for retirement, many investors focus on pensions, but Individual Savings Accounts (ISAs) can also play an important role. ISAs offer flexibility because withdrawals are generally tax-free and can be accessed whenever needed, making them particularly attractive for those aiming to retire before the pension access age. For many savers, pensions will deliver greater long-term value

HORIZONS / ISSUE TEN / SUMMER 2026

thanks to upfront tax relief and the option to take up to 25% of the fund as a tax-free lump sum. However, ISAs can complement pensions by providing accessible savings and helping to build a diversified retirement income strategy.

be able to increase their future payments by making voluntary National Insurance contributions if they have gaps in their record. Taking a holistic view of all available income sources can provide a clearer picture of the retirement lifestyle you may be able to afford.

Start planning today The earlier you begin investing for retirement, the greater the opportunity for your money to benefit from long-term growth and compounding returns. By making use of pension tax relief, understanding contribution allowances, balancing pensions with ISAs and regularly reviewing your strategy, you can put yourself in a stronger position for the years ahead.

Create a retirement income plan As retirement approaches, your investment strategy may need to evolve. Rather than focusing solely on growth, investors should consider how they intend to generate income from their savings. Two common options are pension drawdown, in which investments remain invested while withdrawals are taken as needed, and annuities, which provide a guaranteed income for life. The right choice will depend on your personal circumstances, objectives and attitude to risk. Reviewing your asset allocation in the years leading up to retirement can help ensure your investments remain aligned with your future income needs and lifestyle goals.

Consider every source of income Retirement planning should extend beyond pensions alone. The State Pension, ISAs, savings accounts and other investments can all contribute towards your future income. Understanding how these assets work together can help you build a more resilient financial plan. It is also worth checking your State Pension entitlement regularly. Some individuals may

Hannah Riley Financial Planner

Need further information about retirement planning, pensions, ISAs or investment strategies? Creating a retirement plan tailored to your personal goals and circumstances can help provide clarity, confidence and a structured approach to achieving the lifestyle you want in later life. This article does not constitute tax, legal or financial advice and should not be relied upon as such. For guidance, seek professional advice. 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 up or down, which would affect the level of pension benefits available. Investments can rise or fall in value, and you may receive back less than you invested.

While pension tax relief can be highly valuable, it is important to understand the rules around annual allowances. In most cases, up to £60,000 can be contributed to pensions each tax year, including employer contributions and tax relief.

HORIZONS / ISSUE TEN / SUMMER 2026

To get specialist advice call 01858 469910 or email us at hello@ radiantfinancial. co.uk.

www.radiantfinancial.co.uk

For your brighter future Mortgages | Pensions | Health and Wellbeing | Investments | Protection Radiant Financial Group Limited is registered in Jersey under company number RC132037. Registered office: Aztec Group House, 11-15 Seaton Place, St Helier, Jersey, JE4 0QH. The Radiant Financial Group includes Radiant Financial Planning Limited, Radiant Asset Management Limited and Radiant Platform Management Limited which are authorised and regulated by the Financial Conduct Authority in the United Kingdom.

Radiant Financial Planning Limited is authorised and regulated by the Financial Conduct Authority, Firm Registration Number (FRN) 192396. PPS is a trading name of Radiant Financial Planning Ltd. Registered in England, Company Registration no. 03916451. Registered Address: Sovereign Place, 20 The Point, Market Harborough, Leicestershire, LE16 7QU. Radiant Financial Planning Limited is part of the Radiant Financial Group. The value of investments can fall as well as rise and you may not get back all you invest. Past performance is no guarantee of future income or returns. Content is for information purposes only and should not be taken as financial advice. Professional guidance should always be sought. Based on our current understanding of UK law and taxation which may be subject to future change. Tax and trust guidance is not covered by the Financial Conduct Authority. As a mortgage is secured against your home or property it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home or property.

V1/August26/0308

Radiant Asset Management Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number (FRN): 962780. Registered in England. Company registration no. 13497014. Registered address: Sovereign Place, 20 The Point, Market Harborough, Leicestershire, LE16 7QU. Radiant Asset Management Limited is part of the Radiant Financial Group. Content is for information purposes only and should not be taken as financial advice. Professional guidance should always be sought. Based on our current understanding of UK law and taxation which may be subject to future change.