Orestone Wealth Management

Anxiety can make financial challenges feel much worse. Whether you become worried about the sustainability of your financial future, dealing with debt or struggling with cash flow problems, emotions around money can lead to inaction or avoidance.

In these situations, it’s normal to feel like you’re losing control. But there are ways to get things back on track and steer your finances in the right direction.

Read more about what you can do to help in our new blog post - https://www.orestonewealth.co.uk/post/finding-control-when-money-feels-overwhelming

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In our latest blog post, we explain what’s changing, who may be affected and some practical steps to consider.

https://www.orestonewealth.co.uk/post/how-pension-changes-could-affect-your-inheritance-tax-plans

Having a say on what assets you want to leave to whom – through a Will – has never been as important, regardless of your relationship status.

If you die without a valid Will, the rules of intestacy set out who inherits your estate.

For unmarried couples, a surviving partner would have no entitlement to their partner’s estate unless this wish had been explicitly documented in a valid Will.

For cohabiting couples, how you own your home matters. If owned as joint tenants, the whole property will automatically pass to the surviving partner on death.

To find out more read our blog post - https://www.orestonewealth.co.uk/post/where-theres-a-will-theres-a-say

Good morning from the team!

We’re here to help you feel more confident about your finances, whether you’re planning for the future, reviewing your investments, considering your pension or simply looking for some professional guidance.

If there’s something you’ve been meaning to talk through, why not get in touch?

Our team is always happy to have a conversation and explore how we can help.

Andy Burnham’s first week as the new UK prime minister saw a raft of announcements.

These included exempting those whose only income is the state pension from income tax, cutting VAT on energy bills and a £2 cap on bus fares.

There was also news of a reduction in business rates for pubs, clubs and live music venues.

If you want to read more head to our blog - https://www.orestonewealth.co.uk/post/a-new-prime-minister---and-a-week-of-announcements

Andy Burnham has replaced Sir Keir Starmer as the UK’s prime minister for the remainder of this parliament.

In our latest blog post, we take a closer look at some of the domestic issues the new prime minister may consider priorities.

Read it here - https://www.orestonewealth.co.uk/post/burhams-britain-economic-priorities-to-consider