What Your Will Actually Does And Why Putting It Off Is a Decision in Itself

For women managing complex estates, the question is rarely whether to have a will. It is whether the one they have still reflects the life they are actually living. Payne Hicks Beach's Verity Sherwin and Clarissa Ferguson on the trigger moments, the tax considerations, and why the conversation is easier than most people expect.

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Recently Engaged? What you need to know before you walk down the aisle

Getting engaged is not just the beginning of a wedding, it is the beginning of a financial partnership. From pensions and prenups to trusts, inheritance, and shared goals, the conversations couples have before marriage often shape the strength of the relationship long after the celebrations end. Here, a practical guide to building a financially healthy marriage from the very beginning.

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UK Pensions Guide for US-connected Women

Your UK pension is not a qualifying pension in the US. That single fact has a long tail of consequences, from how contributions are taxed in the year they are made, to what forms need filing annually, to how much you ultimately keep when you start drawing an income. Sarah Whitelaw, Partner at Buzzacott, who has spent over two decades advising US citizens and green card holders living in the UK, joined us to cut through it.

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Separating: What You Need to Know Before You Do Anything

The quiet divorce often involves a long period of private deliberation before any legal process begins. That period carries real financial and legal risk, and most women navigate it without proper advice. This guide and checklist covers five areas: knowing where you stand financially, protecting yourself without overstepping, assembling the right team, understanding the legal process, and managing the conversation with children.

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What Happens to Your Home When You Divorce

Most people assume the family home is exempt from capital gains tax when they sell. In ordinary circumstances, Private Residence Relief makes that true. In a divorce, it depends on when one spouse moves out, whether a new property is bought and elected before the sale completes, and critically, whether the financial arrangement is captured in a court order. The 2023 reforms significantly improved the position for departing spouses, extending protection beyond the nine-month window and preserving relief on deferred sale arrangements. But those protections are conditional, and the conditions are not well known. This guide sets out what applies in each of the most common scenarios, in plain terms.

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What Divorce Actually Costs You in Tax

Separation changes your tax position in ways most people are not warned about. The timing of when you move assets, whether transfers are made under a court order, how your pension is treated in settlement, and what happens to your income tax filing as a single person, each of these has a direct financial consequence. This guide covers the key taxes that arise in divorce, including the CGT reforms introduced in April 2023, the stamp duty exemption most people do not know exists, and the pension inheritance tax changes coming in April 2027.

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What Every Woman Needs to Know About Inheritance Tax

Inheritance tax is no longer a problem that belongs exclusively to the wealthy. It is increasingly a problem that belongs to anyone who owns a home in a city, has been saving into a pension for two decades, and has watched their investments grow. And from April 2027, it will become significantly more complex, as unused pension pots are brought into the taxable estate for the first time. The planning window is not infinite. Some of the most effective strategies require years to mature. This guide sets out what the rules are, what is changing, and what you can do now.

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Investor checklist | What the Spring Statement Means for Your Money

The Spring Statement contained no surprises. But for savers and investors, the changes already on the books are significant. A raft of changes announced in the October 2024 and Autumn 2025 Budgets are now either already in force or approaching fast, and the OBR's updated forecasts carry their own clear signals for mortgage holders, pension savers, ISA holders, and anyone with money in the markets. Here is everything that affects your money, with a clear action checklist for each topic.

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Perspective on the Forces Shaping 2026

The story of wealth in 2026 is not being written in headlines, but in the slow recalibration of markets, materials and assumptions. We welcomed Altus investment Management to share their Market Outlook for 2026, and to explore why easy conditions are giving way to a more exacting environment, and what that means for women thinking seriously about stewardship, resilience and the future of their capital.

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Women Are Inheriting the Wealth. The System isn’t Built for Them.

Women are holding more wealth than ever before, yet many continue to navigate complex financial and legal systems without the education needed to fully understand them. As women’s wealth grows, so do the risks hidden within investment structures, legal agreements, property ownership, and long-term planning decisions. This piece explores why financial and legal education for women wealth holders is now essential infrastructure, shaping outcomes around control, protection, and intergenerational wealth, and we invite you to read, reflect, and share your perspective.

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Protecting Your Business: Understanding Warranties and Indemnities

Behind every deal lies the question: what if something goes wrong? Buyers want certainty, sellers want a clean exit: warranties and indemnities are the levers that help bridge that divide. From litigation risk to undisclosed liabilities, these contractual promises shape the fairness and viability of any transaction. Forsters’ Corporate team explores how they work in practice, and why they remain central to business sales of every size.

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The Architecture of High-Net-Worth Property Finance

In prime property markets, finance is rarely straightforward. For high-net-worth individuals, wealth is often international, illiquid, and held across layered structures that sit far beyond the reach of conventional mortgage models. This article explores how bespoke property finance works at the upper end of the market, where lending is shaped around global assets, future liquidity events, and long-term wealth strategy rather than salary multiples. From asset-backed lending to cross-border structuring, it offers a clear view of how sophisticated borrowers navigate property acquisition in an increasingly complex world.

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Preparing for care transitions when your child has additional needs

Prompted by Colin Farrell’s recent reflections on securing future care for his son, we caught up with Caroline Foulger, Partner at Hunters Law, to share a practical and compassionate framework for families navigating uncertainty. It introduces the idea of a support roadmap, a living document that brings clarity around care, decision-making, aspirations, and contingency planning, while emphasising open communication and regular review.

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Marriage and the Revocation of Wills: Will the government say ‘I do’?

There is a long-standing rule in English succession law under which marriage automatically revokes an existing Will, which is increasingly out of step with modern life. We spoke with Hunters Law to explore how a provision originally intended to protect surviving spouses can, in practice, leave vulnerable individuals exposed, particularly in cases of predatory marriage, and reflect on the recent proposals for reform put forward by the Law Commission, while questioning whether changes to Wills law alone go far enough without wider safeguards.

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Family & Finances Report 2025 Overview and Takeaways

Money decisions shape family life long before they appear in legal documents. Yet many families still avoid talking about inheritance, care, and long-term planning until they are forced to. Drawing on findings from the Schroders Family and Finances Report 2025, we look at why financial conversations remain difficult, where the biggest gaps in preparation sit, and how earlier, clearer planning can reduce stress, protect relationships, and give families more choice over time.

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10 Ways to Organise Your Finances in 2026

Organising your finances in 2026 is less a matter of discipline than of design. Over time, money has become more fragmented: accounts opened for specific moments, pensions accumulated across careers, investments spread across platforms. The result is rarely overt disorder, but a lingering lack of clarity and the sense that things are broadly fine, yet never fully in view. That uncertainty carries a cost. Financial organisation, in this context, is not about doing more, but about creating systems that make it easier to see what exists, understand what it is for, and respond calmly when circumstances change. Here’s our guide to getting your finances in order for 2026.

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The Quiet Revolution in Women’s Wealth

Women are now one of the fastest-growing economic forces globally, quietly reshaping how wealth is earned, controlled and passed on. Once positioned at the margins of financial decision-making, women are expected to hold nearly half of private wealth within the next decade, changing not only ownership, but the purpose and direction of capital itself. Join us as we explore the historical context behind that shift, the gaps that persist, and why the rise of women’s wealth may prove one of the most significant, and transformative, economic developments of our time.

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Living a Secure Lifestyle, with UMBRA

In a world obsessed with bunkers, biometrics and worst-case AI scenarios, what does it actually mean to live a secure life? In this Essential Series conversation, Kate Bright, CEO and founder of Umbra International Group, reframes security not as guards, gates and gadgets, but as a human, holistic “secure lifestyle” built on Four Pillars: physical, digital, reputational and emotional health. From community WhatsApp groups and Google alerts to cognitive resilience and next-gen online safety, she explores how to move from reactive fear to proactive, everyday peace of mind, and why the real work of security now starts with a conversation, not a crisis.

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