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A couple reviewing paperwork together. Why taking your pension as a lump sum could leave you with a huge tax bill

Taking a lump sum out of your pension could provide you with more financial freedom. Yet, it could also land you with a large and unexpected tax bill. Read on to find out what you…

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A couple toasting with a glass of wine. Could “lifestyle creep” affect your retirement plans?

When you received your last promotion or pay rise, your first instinct might have been to celebrate by splashing out on a new gadget, booking a holiday or allocating more of your money to your…

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A person using a smartphone to read the news. Why tuning out political speculation may help you stick to your financial plan

In a historic victory, the Labour Party won a majority in the 4 July 2024 general election. After 14 years of Conservative government, you might be wondering what the change means for you and your…

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A group of friends hiking and laughing together. How to boost your composure and reduce investing FOMO

Have you ever invested due to a fear of missing out (FOMO)? Fearing that you’ll overlook the next big opportunity to grow your wealth might lead you to take on more risk or increase your…

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Parent and child holding hands. Inheritance Tax: The basics you need to know about the “death tax”

Often dubbed “death tax” or “Britain’s most-hated tax” in the media, Inheritance Tax (IHT) may seem complex, and you might be unsure if it’s something you should consider as part of your estate plan. Over…

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What is cholesterol and how does it affect your health?

The BBC reports that heart-related deaths are at a 14-year high. One of the biggest risk factors is high cholesterol, a condition that over half of UK adults live with every day. While high cholesterol…

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© Otter Financial Services Ltd 2026. 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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