Welcome to our latest issue. Inside, we explore a new study that reveals an urgent need for improved awareness and planning regarding pension inheritance. The lack of clarity regarding beneficiaries can lead to legal complications and emotional distress for loved ones when the time comes to distribute these assets. Turn to page 07 to read the full article. If you have accumulated wealth over your lifetime, it is never too early to plan so that any remaining wealth is distributed to your chosen beneficiaries in the most tax-efficient way. On page 40, we explain why planning ahead ensures that a greater portion of your wealth ends up in the hands of the people and causes you care about most. It also provides peace of mind for you and your loved ones. Retiring abroad may seem like a dream come true, but it could come with hidden financial costs for some British pensioners. Understanding your entitlements and planning can make all the difference, so find out more on page 10. A complete list of the articles featured in this issue can be found on pages 02 and 03..

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