Articles & Insights

Expert insights on salary calculations, tax planning, and financial strategies for UK and US professionals.

Jul 18, 2025

What would you do with 9.5b?

Ever caught yourself drifting into a daydream where you're suddenly worth $9.5 billion? Same here. But beyond the fantasy lies a fascinating question: what would you actually do with that kind of wealth? From savvy stock investments to leaving a philanthropic legacy (with a few yachts thrown in for good measure), this playful yet thought-provoking journey explores how to turn unimaginable fortune into lasting impact — without losing your head (or your billions). Ready to find out what kind of billionaire you’d be?

Jul 15, 2025

What Is a SIPP? A Beginner’s Guide to Self-Invested Personal Pensions

What is Sipp? A Self-Invested Personal Pension (SIPP) offers more control and flexibility than traditional pensions, letting you choose where your retirement money is invested — from shares and ETFs to commercial property. Whether you're self-employed, consolidating old pensions, or just want to take charge of your financial future, this beginner’s guide explains how SIPPs work, their tax benefits, risks, and how to get started.

Jul 15, 2025

How to Manage Your SIPP Portfolio: Tips for DIY Investors

Taking control of your retirement savings through a SIPP can be empowering — but managing your own portfolio requires careful planning. This guide offers practical tips for DIY investors on building a diversified portfolio, managing risk, rebalancing, and maximising tax relief, so you can stay on track for a confident retirement.

Jul 15, 2025

SIPP Investment Options Explained: What You Can and Can’t Hold

A Self-Invested Personal Pension (SIPP) offers a wide range of investment choices — from shares and funds to commercial property. But not everything is allowed. This guide explains what you can and can’t hold in a SIPP, including key restrictions like residential property, crypto, and personal assets. Make smarter retirement decisions by understanding the full list of permitted investments.

Jul 15, 2025

Best UK SIPP Platforms for 2025: Fees, Features and Comparison

Looking for the best UK SIPP provider in 2025? Whether you're a DIY investor or prefer a fully managed pension, this guide compares the top SIPP platforms by fees, features, and investment flexibility. We break down AJ Bell, Vanguard, Interactive Investor, Hargreaves Lansdown, and more—so you can confidently choose the right platform to grow your retirement savings.

Jul 15, 2025

Can I Transfer My SIPP to Another Country? QROPS and Beyond

Thinking about moving abroad or retiring overseas? Discover whether you can transfer your UK SIPP to another country, how QROPS work, when the 25% Overseas Transfer Charge applies, and whether it’s better to keep your pension in the UK. This guide breaks down your options, tax implications, and key risks for expats.

Jul 15, 2025

Double Taxation and SIPPs: What If You Retire Abroad?

Planning to retire abroad with a SIPP? Learn how double taxation works, which countries have UK tax treaties, and how to avoid being taxed twice on your pension income when living overseas.

Jul 15, 2025

Using a UK SIPP as an Expat: Tax Tips for Non-UK Residents

If you're living abroad with a UK SIPP, understanding the rules around contributions, tax relief, and pension withdrawals is essential. This guide covers key tax tips for non-UK residents, including what limits apply, how different countries treat UK pension income, and whether transferring to a QROPS makes sense. Make smarter decisions about your pension while living overseas.

Jul 13, 2025

What is a Junior SIPP?

A Junior SIPP is a tax-efficient pension for children under 18. Get 20% tax relief on contributions and invest early for long-term retirement growth.

Jul 10, 2025

How Are SIPP Withdrawals Taxed in the UK? (with Examples)

Understand how SIPP withdrawals are taxed in the UK, including income tax rates, emergency tax, real examples, and tips to minimise your tax bill.

Jul 10, 2025

How Much of My SIPP Is Tax-Free? The 25% Lump Sum Explained

Learn how much of your SIPP you can take tax-free, when you can access it, and how the 25% lump sum works with drawdown, UFPLS, and tax planning.

Jul 10, 2025

SIPP Withdrawal Rules: When and How You Can Access Your Money

Learn when and how you can access your SIPP, including age rules, tax-free lump sums, drawdown options, and tax implications of withdrawals.

Jul 10, 2025

Salary Sacrifice vs SIPP: Which Gives You the Best Tax Benefits?

Compare salary sacrifice and SIPP pension contributions to see which offers better tax savings. Learn how each affects income tax, NI, and adjusted income.

Jul 10, 2025

SIPP for Higher Rate Taxpayers: Smart Strategies to Maximise Tax Savings

Higher rate taxpayers can get up to 45% tax relief with a SIPP. Learn how to claim, reduce your adjusted income, and use strategies like carry forward and salary sacrifice.

Jul 10, 2025

How Much Can I Pay Into a SIPP? Annual and Lifetime Allowance Rules

Discover how much you can pay into a SIPP each year, including annual and tapered allowance rules, carry forward options, and recent Lifetime Allowance changes

Jul 10, 2025

SIPP Tax Relief Explained: How to Get 20%–45% Back on Contributions

Learn how SIPP tax relief works and how to claim back 20%–45% on your pension contributions. Discover smart strategies, example savings, and common pitfalls.

Jul 9, 2025

SIPP vs Stakeholder Pension: Which Is Right for You?

Compare SIPPs and stakeholder pensions in this simple UK guide. Understand the key differences, costs, and who each pension type is best for.

Jul 9, 2025

How to Open a SIPP: Step-by-Step Setup Guide for UK Savers

Learn how to open a SIPP in the UK with this step-by-step guide. Compare providers, set up your account, and start investing for retirement with confidence.

Jul 8, 2025

Phased Drawdown vs Full Lump Sum: Choosing the Right Withdrawal Strategy

Compare phased drawdown vs full lump sum SIPP withdrawals. Learn which strategy offers better tax efficiency, flexibility, and long-term retirement planning.

Jul 8, 2025

How Does a SIPP Work? Rules, Benefits, and Risks Explained

A Self-Invested Personal Pension (SIPP) offers greater control over your retirement savings, allowing you to choose your own investments. This in-depth guide explains how SIPPs work in the UK, covering contribution rules, tax relief, flexible withdrawal options, and key benefits and risks to consider before taking control of your pension.