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How to improve your spending behaviours

Humans are programmed to act in certain ways, and these behavioural biases can affect your spending behaviours. Read how you can improve your spending habits and ability to reach other goals.

 4d | NEWS AND INTEREST

Investment market update: November 2025

In November 2025, concerns of an AI bubble affected the markets, but there were still highs. Find out what else may have influenced the performance of your investment portfolio.

 4d | NEWS AND INTEREST

5 interesting insights from the investment market in 2025

The last 12 months have been interesting for investors, with the market experiencing volatility. Discover some valuable insights from 2025.

 4d | NEWS AND INTEREST

Is the default pension fund right for you

How your pension is invested will affect the value of it and the income it will provide you later in life. If you’ve put off reviewing your pension fund, find out why it could be a worthwhile task.

 4d | NEWS AND INTEREST

How cashflow planning turns numbers into possibilities

When you’re making financial decisions, it can feel like you’re faced with indecipherable numbers. You might know how much you have in your bank account or pension, but what does the figure mean for your future? Cashflow planning can turn the numbers into possibilities.

 4d | NEWS AND INTEREST

Phasing into retirement: 5 essential financial considerations

While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Find out more about five key considerations, like whether you should defer your State Pension or supplement your salary.

 4d | NEWS AND INTEREST

Your Autumn Budget update, and what it means for you

The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

 17d | NEWS AND INTEREST

The difficult but important estate planning conversations to have with your family

Once you’ve created an estate plan, you might want to talk to your family about the decisions you’ve made. While these conversations can be difficult, they’re important and could ensure everyone is on the same page.

 1month | NEWS AND INTEREST

Investment market update: October 2025

Markets reached record highs in October 2025 despite ongoing uncertainty and disappointing economic data in some regions. Find out what may have affected the performance of your investments.

 1month | NEWS AND INTEREST

3 valuable ways to create a guaranteed income in retirement

Almost two-fifths of people say a guaranteed income is a priority in retirement. If you’d like the certainty of knowing how much you’ll receive each month, read about three valuable ways to create financial security when you stop working.

 1month | NEWS AND INTEREST
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FSS Wealth and Pensions Ltd
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Financial Services Scotland House, 1 Glebe Street, Stevenston, Ayrshire KA20 3EN
Tel: 01294 539267
FSS Wealth & Pensions Ltd is authorised and regulated by the Financial Conduct Authority. FCA No: 844153. FSS Wealth & Pensions Ltd is registered in Scotland, company No: SC624628.
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