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Pensions & future planning

Pensions, wills, inheritance tax, probate and more

Aged 40 to 73? Urgently consider buying National Insurance years

There is a seemingly remarkable opportunity everyone aged 40 to 73(ish) needs to think about.

You've got until 5 April 2025 to buy back any missing National Insurance years from 2006 to 2016. This can really add up, with some set to make over £50,000 in boosts to their State Pension.

Full info on what you need to know and do.

Cheap and free wills

Die without having made a will and you could be leaving behind significant financial problems for your loved ones. Yet worryingly, more than half of adults don't have a will...

Our guide explains why it's so important to sort a will and how to get one for cheap or free (including solicitor-drafted wills).

See how to get a will for cheap or free.

Inheritance Tax – how it works

Inheritance tax can cost loved ones £100,000s when you die, but in reality the vast majority of people (around 94%) don't have to pay a penny. Even if you do have to pay it, there are ways to legally reduce the bill.

Our guides explain what the Inheritance Tax rules are, who has to pay it and how to cut the bill. See:

Pensions guides

Martin's warning to every worker in the UK
Blog
200,000+ women (and some men) thought to have been underpaid
Guide
Boost your retirement income with a state top-up
Guide
Build a self-invested personal pension
Guide
Some pensioners could be due £1,000s or even £10,000s back
Guide
Nominate who gets your pension when you die
Guide
What happens and do I pay tax?
Guide
What it is and how to do it yourself
Guide
You could save hundreds in tax if you're still earning
Guide
Ways to uncover lost or forgotten pensions for FREE
Guide
The key considerations for combining your retirement savings
Guide
Employed aged under 22, or any age earning under £10,000?
Blog