The Renters Rights Act Is Coming — What Landlords Must Do Before 1 May 2026
Landlords across the UK are facing the most significant shake-up in rental legislation for decades. The Renters Rights Act, coming into force on 1 May 2026, will fundamentally change how tenancies are managed, renewed, and ended. At a recent HSC Financial Advisers webinar, guest legal expert Catherine Mears of Good Law Solicitors joined Jonathan Sidlin, […]
Planning for the Future
Key Takeaways from HSC’s Estate Planning Webinar HSC Financial Advisers recently hosted the second instalment of our ongoing educational webinar series, this time focusing on one of the most important yet often overlooked areas of personal planning: Wills, Trusts and Lasting Powers of Attorney (LPAs). Led by Jonathan Sidlin, Managing Director at HSC Financial Advisers, […]
Living Our Ethos Through Community
At HSC Financial Advisers, our ethos – Protect. Grow. Thrive. – isn’t just a slogan. It’s our promise. It guides how we support our clients, how we build relationships, and how we give back to our community. That’s why as we kick off the festive season, we’re so proud to sponsor Grief Encounter, a remarkable […]
The Evolution of Bonds: A Smarter Way to Transfer Wealth Tax-Efficiently
As more families focus on passing on wealth to future generations, understanding how to do it tax-efficiently has never been more important. According to a recent report¹, nearly half of UK adults (47%) plan to leave an inheritance, and over a third (38%) intend to transfer assets directly to their children. Yet many remain unaware […]
Show Me the Money: Over £102.3 Billion Withdrawn from UK Pensions Since 2015
Since the introduction of pension freedoms in 2015, UK savers have flexibly withdrawn a staggering £102.3 billion from their pension pots, according to recent data from the Department for Work and Pensions (DWP). But behind these impressive numbers lies a growing concern — more people are dipping into their pensions well before retirement age, potentially […]
The Renters Rights Bill 2025: What Every Landlord Needs to Know
The property rental landscape is changing — and fast. The upcoming Renters Rights Bill 2025 represents the biggest reform to renting in decades, and landlords need to be prepared for the challenges and opportunities it brings. To help landlords navigate these changes with confidence we are hosting a free lunch time webinar with So Legal’s property […]
Is gut instinct guiding your financial future?
A new report reveals that millions rely on guesswork when planning for retirement. https://vimeo.com/1099316039?ts=0&share=copy Is it time to establish a clearer financial roadmap for your retirement? If you are uncertain about where to start or would like assistance in understanding your pension options, expert help is just a call away. Contact us today to discuss […]
Transferring wealth to the next generation
WHAT TO CONSIDER WHEN PLANNING YOUR LEGACY Transferring wealth to the next generation is one of the most important financial decisions you will make in your lifetime. The assets you have carefully built over the years – whether they are property, investments, savings or sentimental items – are a testament to your hard work and dedication. Naturally, you […]
Managing your finances with confidence
Creating a roadmap for realising life’s objectives is key For some individuals, managing finances can feel overwhelming. The idea of organising monetary affairs is often more daunting than the reality, and the most difficult part is taking that essential first step. However, dedicating just a few hours to focusing on your finances can leave you […]
The 60% Tax Trap
Do you fall into the 60% tax trap? Making additional pension contributions could mean lowering your effective tax rate For many earners in England, Wales or Northern Ireland, the highest Income Tax rate is 45%. However, while 45% is the highest ‘official’ rate, some individuals effectively pay a tax rate of 60% on part of […]