Graham Carter & Co. | Chester

What’s on your financial to-do list for 2026?

Why keeping your financial plan relevant is more important than ever Have you set your New Year’s financial resolutions? The key is to make them specific and measurable. To help you get started, we have suggested some financial resolutions for 2026 to consider, all of which are realistic, achievable and easy to track. Life is rarely static. In a climate of economic change, keeping your financial plan relevant is more important than ever. If you’ve experienced a significant li

Why silence costs families

Planning, talking, and protecting more of your legacy from tax and disputes Death and money are two of life’s unavoidable realities, yet they remain subjects many of us hesitate to discuss. This reluctance often extends to inheritance, a topic filled with discomfort for many families. The consequence of this silence is significant, as an increasing number of estates are affected by Inheritance Tax (IHT), and disputes over Wills are becoming more common in UK courts. Learning

Almost half of UK adults are unaware of their pension savings

New data uncovers a concerning gap in pension awareness and confidence across all generations In the UK, nearly half of working-age adults cannot estimate the total value of their pension savings. This uncertainty suggests that many lack a clear understanding of their retirement readiness and may be missing opportunities to plan effectively for the future. Recent data suggest that 47% of people are uncertain about how much they have saved for retirement, a lack of awareness t

What should you consider as you approach your retirement?

Key financial and lifestyle checks to get ready for life after work Reaching the final stage of your working life is a significant milestone, often bringing a mix of excitement and uncertainty as routines shift and new priorities come into focus. It’s a chance to redefine how you spend your time, clarify what matters most, and set expectations for the years ahead. Whether you plan to travel, spend d more time with family, take up new hobbies, or simply enjoy a slower pace, it

Your wealth roadmap

Charting a course to financial security and independence Building wealth is intentional, not down to luck. To create the future you desire, you need a clear plan to guide your financial choices. The journey begins with an assessment of where you are today, a vivid vision of your goals, and a realistic timeline to achieve them. Charting a course to financial security and independence We’ll assist in developing a well-founded strategy tailored to your priorities, covering savin

Rising financial pressures

A stagnation in personal financial safety nets Many people across the UK are experiencing increasing financial pressures. The recent report highlights serious concerns, revealing that one in five adults has less than £100 in savings[1]. This key figure has remained steady over the past two years, emphasising stagnation in personal financial safety nets. A stagnation in personal financial safety nets For those on the brink, the report paints an even grimmer picture, with 9% of

Planning for early retirement

Is it time to move forward towards your financial freedom? Early retirement appeals to many, driven by reasons such as a desire to travel or a need for a break from high-pressure or demanding jobs. However, reaching this goal requires more than just asking ‘Can I afford to retire early?’ It involves understanding financial planning, lifestyle adjustments and personal preparedness. Is it time to move forward towards your financial freedom? Generally, early retirement refers to