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A man working at an office desk. Phasing into retirement: 5 essential financial considerations

While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Read on to find out more about five key considerations. 1. Calculate if you’ll need to supplement your income…

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A couple hiking through a forest in autumn. How money causes anxiety and 3 tips to reduce it

Whether we have it or need it, whether we manage it, accumulate it, or are spending it, money creates anxiety. Anxiety can be debilitating. Research known as the Yerkes-Dodson Law, first documented in 1908, shows…

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Your Autumn Budget update, and what it means for you

After months of speculation and rumour, chancellor Rachel Reeves has delivered the Autumn Budget for 2025. In this update, we’ll explain the key changes and what they mean for you. Last year, in her maiden…

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A mother and adult daughter talking. The difficult but important estate planning conversations to have with your family

An estate plan sets out how you’d like your assets to be managed and distributed during your life and when you pass away. It often involves thinking about difficult topics, such as your funeral preferences…

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A couple walking across stepping stones. 3 valuable ways to create a guaranteed income in retirement

According to a September 2025 Financial Planning Today article, 39% of people say a guaranteed income is their main priority in retirement. Knowing how much income you’ll receive from certain sources can provide the certainty…

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Happy couple shopping online How financial planning could give you the confidence to spend more

The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins. As you get…

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EX11 1AF

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© Otter Financial Services Ltd 2025. Otter Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA reference number 593699. Registered in England and Wales as a Limited Company No. 3576260. Registered Address: 62 Mill Street, Ottery St Mary, Devon, EX11 1AF.

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