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How fiscal drag could harm your finances as the government extends tax freezes

When chancellor Rachel Reeves delivered the Budget in November 2025, you might have breathed a sigh of relief that Income Tax rates weren’t increasing. However, fiscal drag could still harm your finances over the long term.

 14d | NEWS AND INTEREST

2 reasons to combine your financial plan with your partner’s

Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your and your partner’s financial plans could be valuable. It may seem too practical for a day celebrating love, but it could support your relationship.

 14d | NEWS AND INTEREST

Investment market update: December 2025

After a year filled with uncertainty and rising trade tensions, markets were calmer in December 2025. Find out what may have affected the performance of your portfolio at the end of the year.

 14d | NEWS AND INTEREST

Gifting to reduce an Inheritance Tax bill? Here are 5 things to check first

Gifting can be an effective way of reducing your Inheritance Tax liability. However, it’s not always simple. Discover five things to check before you get started.

 14d | NEWS AND INTEREST

How much should you contribute to your pension?

A third of people don’t know how much they need to contribute to their pensions every year to create a comfortable retirement. Discover what steps you could take to assess what contribution you may need to make.

 14d | NEWS AND INTEREST

7 ways financial planning could help you set realistic goals

Setting realistic goals for yourself can be difficult. Being too ambitious could lead to disappointment if you don’t hit your target. Similarly, you might underestimate what’s possible. Your financial planner could add a valuable perspective when you’re setting goals.

 14d | NEWS AND INTEREST

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.

 1month | 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.

 1month | 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.

 1month | 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.

 1month | NEWS AND INTEREST
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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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