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State Pension: Everything you need to know in 2025/26

For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State Pension or it’s still some years away, here’s what you need to know in 2025/26….

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Looking beyond the numbers when using a cashflow model

A cashflow model is a valuable tool that lets you understand how the value of your estate and individual assets might change in the future. But, to get the most out of it, you need…

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How to stop following the investment crowd and stick to your strategy

We’re only weeks into 2025, and it’s already been one filled with market volatility and uncertainty. At times like this, being part of a crowd might feel comforting, but following the investment decisions of others…

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Behavioural finance: The effect emotions could have on your financial decisions

While you might intend to make your financial decisions based on facts, emotions creeping in from time to time is normal. Recognising when emotions might be influencing your judgement could mean you’re better able to…

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The foods that could improve your gut health

If you want to improve your health in 2025, you might be considering changing your diet or joining your local gym. However, your gut health has a bigger impact on your body than you might…

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3 important variables that could affect your sustainable pension withdrawal rate

Retirement is an exciting milestone, with more free time to dedicate to the things you enjoy. Yet, it can also be a daunting time, especially when it comes to managing your finances. Flexi-access drawdown is…

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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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