
navigating retirement: the pension schemes bill, default traps, guidance and advice.
17th July 2025
The journey to retirement, once a relatively straightforward path, has become increasingly complex, particularly since the advent of pension freedoms in 2015. While these freedoms offer unprecedented flexibility, they also introduce challenges, especially concerning how individuals manage their accumulated savings at the point of retirement.

Week ending 18th July 2025.
21st July 2025
As shown in the accompanying table, global financial markets had a broadly positive week, although European markets lagged behind their international peers. It was a busy week economic data wise and thankfully unwanted surprises were at a minimum whilst strong corporate earnings, steady consumer spending all helped keep investor sentiment buoyant.

Market Update - 23rd July 2025.
23rd July 2025
Market performance has been mixed this week as earnings season gets underway and President Donald Trump’s 1 August trade deadline approaches.