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The new State Pension needs 35 qualifying NI years for the full rate and 10 years for any payment. State Pension Age is 66 in 2026-27, rising to 67 between 2026 and 2028. The triple lock uplifts the weekly amount each April by the highest of earnings, CPI, or 2.5 percent.
4 Aug 2026 · 21 min read
A Self-Invested Personal Pension lets the holder pick the investments inside a UK registered pension. This 2026 guide covers tax relief, the annual and money purchase allowances, fees, withdrawal from age 55 (57 from 2028) and how a SIPP compares to ISAs.
17 Jun 2026 · 1 min read
Investing TL;DR Index funds track a market index such as the FTSE 100, S&P 500 or global market indices,
12 Jun 2026 · 7 min read
Pensions TL;DR Auto-enrolment requires employers to enrol eligible workers into a workplace pension and make minimum contributions. In 2025/26
12 Jun 2026 · 7 min read
Pensions TL;DR A Lasting Power of Attorney lets you appoint someone to manage your finances or make health decisions if you
18 May 2026 · 6 min read
Expat TL;DR UK state pension is payable worldwide but is only uprated annually with inflation if you live in the UK,
18 May 2026 · 6 min read
The full new State Pension rose to £12,547.60 a year on 6 April 2026, just £22 below the frozen £12,570 personal allowance. Here is how the freeze affects retirees with private pensions, savings, and other income.
9 May 2026 · 6 min read
From 6 April 2026, dividend tax, property income rates and NIC thresholds all shifted. Here is exactly what changed and what you need to do before the self-assessment deadline.
3 May 2026 · 4 min read
From 6 April 2027, unused DC pension pots will be included in the estate for IHT. Here is what the change means, who is affected, what planning steps are available now, and how the old and new rules compare.
16 Jun 2026 · 4 min read
A SIPP lets you choose your own investments and claim generous tax relief — up to 45% for additional-rate taxpayers. Self-employed people without access to a workplace pension use SIPPs as their primary retirement vehicle. This FCA-referenced guide explains SIPP rules, relief-at-source and how
12 Jun 2026 · 4 min read
Salary sacrifice for pension contributions saves both you and your employer National Insurance. If you earn £35,000 and sacrifice £3,000 into your pension, you save £360 in NI contributions and your employer saves £414. This HMRC-validated guide explains the mechanics, the benefits and the catc
3 May 2026 · 4 min read
The pension lifetime allowance was fully abolished from 6 April 2024. No cap on total pension savings. But two new allowances replaced it — the Lump Sum Allowance (£268,275) and the Lump Sum and Death Benefit Allowance (£1,073,100). Annual allowance stays at £60,000 for 2026/27. This HMRC-valid
12 Jun 2026 · 4 min read
UK Pensioners HMRC £500 Bank Deduction Explained. What pensioners need to know, sourced from gov.uk and Finance Acts.
11 May 2026 · 6 min read
BreatheHR UK 2026 review: full pricing across 6 headcount tiers (£22 to £525/mo, per business not per employee), 5 optional modules (£11 to £16/mo), G2 4.4/5 from 606 reviews, Trustpilot 4.4/5, UK GDPR compliance, payroll integrations, honest verdict for SMEs from 1 to 200 employees.
16 Jun 2026 · 11 min read
Part of: Best Pensions and Retirement UK 2026 Part of: UK Council Tax 2026 — Complete Guide → Council Tax Scotland 2026 TL;DR:
11 May 2026 · 7 min read
Part of: UK Council Tax 2026 — Complete Guide → Council Tax Disability Help 2026 — DBRS, SMI, Carer Discount Guide TL;DR: Attendance Allowance
11 May 2026 · 8 min read
Part of: Best Pensions and Retirement UK 2026 Part of: UK Council Tax 2026 — Complete Guide to Bands, Discounts, Exemptions & Appeals
11 May 2026 · 9 min read
Part of: Best Pensions and Retirement UK 2026 Part of: UK Council Tax 2026 — Complete Guide to Bands, Discounts, Exemptions & Appeals
11 May 2026 · 9 min read
UK expats can retain existing ISAs and SIPPs but cannot make new ISA contributions while non-resident. SIPP contributions are possible for
17 Jun 2026 · 9 min read
UK pension income received abroad is subject to the Double Taxation Agreement between the UK and the country of residence. Private and
17 Jun 2026 · 9 min read
The UK expat guide 2026 covers the complete financial and legal landscape for UK nationals living abroad: Statutory Residence Test, Finance Act 2025 FIG regime, non-dom abolition, property income rates 22%/42%/47% from 6 April 2026, pensions in IHT from 6 April 2027.
16 Jun 2026 · 17 min read
Retiring in Spain on a UK pension 2026: the UK State Pension is uprated annually in Spain and taxable at IRPF rates (19-47%). Private pension drawdown (SIPP) is taxable only in Spain under UK-Spain DTC 2013 Article 17. Government pensions (NHS, civil service) remain UK-taxable.
16 Jun 2026 · 11 min read
UK state pension qualifying years in 2026: 35 years are needed for the full new State Pension of £221.20 per week (2025/26); minimum 10 years for any entitlement. Class 2 NIC costs £3.45/week; Class 3 costs £17.45/week. An April 2027 deadline allows filling NI gaps back to 2006.
16 Jun 2026 · 10 min read
Under most UK double tax conventions, private pension income (SIPP, defined benefit) is taxable only in the country of residence (OECD Model Article 17). Government pensions (NHS, civil service) remain UK-taxable under Article 19. Pensions enter the UK IHT estate from April 2027.
16 Jun 2026 · 10 min read
UK expat pension contributions abroad 2026: Annual Allowance £60,000 (2025/26) subject to 100% of relevant UK earnings cap. MPAA is £10,000 if drawdown income has been taken. Tapered AA reduces by £1 for every £2 over £260,000 adjusted income; floor £10,000 (at £360,000).
17 Jun 2026 · 10 min read
The UK expat tax treaty Spain (2013 DTC) governs pensions, dividends and capital gains. Article 17 allows private pension income to be taxed only in the country of residence; government pensions remain UK-taxable. Finance Act 2025: 10-year UK residency triggers worldwide estate.
17 Jun 2026 · 10 min read
The UK expat tax treaty USA (2001 DTC) governs pensions, dividends and capital gains. Article 17 allows pension income to be taxed only in the country of residence -- but the US savings clause overrides this for US citizens. Finance Act 2025 introduced residence-based IHT.
16 Jun 2026 · 11 min read
Best expat retirement accounts 2026: UK SIPPs can be retained by non-UK-residents. QROPS attract a 25% transfer charge unless in the member’s country of residence. Pensions enter UK IHT from 6 April 2027. Dividend rates from April 2026: 10.75%/35.75%/39.35%.
16 Jun 2026 · 9 min read
UK expat investment account 2026: new ISA contributions are prohibited while non-UK-resident but existing ISAs are retained. Cash ISA limit drops to £12,000 from April 2027. UK dividend tax from 6 April 2026: 10.75%/35.75%/39.35%. Most UK platforms restrict non-residents.
16 Jun 2026 · 9 min read
UK expat financial planning 2026 covers SRT departure, 4-year FIG (Finance Act 2025), residence-based IHT and pension IHT from April 2027. Dividend rates: 10.75%/35.75%/39.35% from April 2026. IHT nil-rate band £325,000. FCA planners charge 0.5-1.5% of AUM per year.
17 Jun 2026 · 10 min readGet Kael Tripton in your Google feed
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