Agile Independent Financial Advice Ltd

Key changes are being made to ISAs in April 2027, and they could affect how you use the tax-efficient wrapper.

You might have read in the news or heard that the ISA allowance is being cut or that tax will now apply to cash savings. While there is some truth in these statements, without further details they’re misleading. To cut through the sometimes confusing headlines, we explain the two changes you should be aware of.

Read our article to find out what these changes are and how they could affect your fianancial planning.

https://agileifa.co.uk/2-upcoming-isa-changes-you-should-be-aware-of/

We recently attended a fantastic event lead by Candlelighters who are an amazing charity based in Leeds for children with cancer.

In light of this event, we wondered if we should all be including volunteering or charity work in our lives in some way.

Indeed, a fulfilling retirement isn’t just about financial security; it’s about the experiences you have, the people you meet, and continued personal growth.
Giving some of your time to a cause that matters to you could be an important part of this.

For more information, read our insightful article on how volunteering could enhance your retirement.

5 fantastic reasons to make volunteering part of your retirement plan - Agile IFA Volunteering can be a fantastic way to help others while gaining a new sense of purpose in retirement. Discover five compelling reasons to get involved.

Are your self-employed or a small business owner? If so, do you have enough pension provision?

Research suggests that many small business owners and self-employed workers aren’t prioritising their retirement and could face uncertainty later in life as a result. However, opening a pension could benefit both you and your business.

According to an article from Which? (1 March 2026), people who have spent most of their working life as self-employed are three times more likely not to have a private pension.

Getting the most out of your retirement and reaching your goals requires careful planning. But as we all know, life doesn’t always go to plan.

If you decide you want to retire sooner than originally planned – whether due to circumstances beyond your control, a health crisis, or a simple change of heart – a pension shortfall may require a rethink.

Our guide shares five steps you can take to help you plan for a pension shortfall, build a strong financial foundation, and start enjoying your retirement sooner.

Click the link to download our guide now!

5 essential steps to plan for a pension shortfall if you want to retire early - Agile IFA Getting the most out of your retirement and reaching your goals requires careful planning. But as we all know, life doesn’t always go to plan. This handy guide could be useful if you want to retire sooner than originally planned.

The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events have affected investor behaviour could be useful.

While volatility can seem concerning and unusual, it’s a normal part of investing. Indeed, even over the last 20 years, investors have experienced many periods of high volatility, including during the 2008 financial crisis and the Covid-19 pandemic.

Read our article about two types of investor behaviour to be mindful of during volatility.

What past market volatility has taught us about investor behaviour - Agile IFA The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events may affect investor behaviour could be useful.

When you think about the most important skills in investing, you might consider the ability to choose the “right” investments or understanding market movements. Yet, for the average investor, patience could be far more valuable.

Usually, investment strategies require a long-term outlook, so you need to be patient to achieve your goals. While it might be tempting to adjust your portfolio based on the news or market movements, for the average investor, creating a strategy that’s aligned with their goals and risk profile, and then holding assets long-term, could prove more effective.

Read our article to find out our tips to becoming a successful investor.

How to be a successful investor: The importance of patience - Agile IFA Once you’ve set out your investment goal and strategy, what comes next? Often, it’s time to test an important investment skill – your patience. With investment strategies usually covering long time frames, composure is essential.

We’re proud to share some fantastic news 🎉

Both Chris Thorpe and Cindy Morley, our Financial Planners at Agile IFA, have been included in this year’s VouchedFor Top Rated Adviser Guide 2026 — published in The Times this Saturday 📰

This recognition is especially meaningful as it’s based on client feedback and reviews, reflecting the trust our clients place in us every day.

A huge congratulations to Chris and Cindy for this well-deserved achievement 👏

And of course, a big thank you to our clients for your continued support — we couldn’t do it without you.

According to the Guardian (31 December 2025), the FTSE 100 increased in value by a fifth in 2025, marking the strongest annual gain since 2009. When markets closed on New Year’s Eve 2025, the index was up 21.5% compared to where it was at the start of 2025.

The index got off to a positive start in 2026 as well. The BBC reported (2 January 2026) that the FTSE 100 climbed above 10,000 for the first time when markets reopened in the new year.

So, what investment lessons can you learn from the performance of the FTSE 100?

Read our blog post to find out more!

3 insights from the FTSE 100’s performance that could help you curb impulsive decisions - Agile IFA Despite ups and downs throughout the year, 2025 proved to be a great year for the FTSE 100. The index was up 21.5% over the year. Find out what investments lessons you could learn from the FTSE’s performance.

Could you be missing out of valuable tax relief?

Research from PensionsAge (8 December 2025) found that 44% of UK adults don’t know what pension tax relief is, while just 31% could identify its purpose.

Over time, missing out on pension tax relief could be costly. So, click the link to our article to find out how pension tax relief works and how it could significantly improve your retirement income.

The power of pension tax relief and how it could boost your retirement income - Agile IFA Pension tax relief can significantly bolster your future retirement income. Here's why it's worth ensuring you've claimed all you're entitled to.

Have you set yourself a financial goal for 2026?

Whether you want to boost your retirement savings or pass on wealth to the next generation, our helpful guide reveals five valuable tips to help you manage your finances, build resilience, and grow your wealth in 2026.

Click the link to download our guide now!

5 tips to help you manage your wealth in 2026 - Agile IFA The start of a new year is the perfect time to set goals for the months ahead and create a plan for how to achieve them. This useful guide offers five practical tips that can help you manage your wealth in 2026 and beyond.