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Client Newsletter (Edition 49)

By  Corey Cook  ·  1 minute read

Please click here for our December 2025 Client Newsletter.

I wanted to briefly highlight three key themes from our latest newsletter that may be particularly relevant to your financial planning:

  • Bonds are becoming more attractive again. With inflation easing and interest rates expected to fall, government bonds are well placed to provide a reliable income and play a stabilising role within diversified portfolios. This does not necessarily mean a portfolio comprised solely of UK government debt.

  • Inheritance tax planning is increasingly important. From April 2027, unused pension funds will form part of your estate for inheritance tax. Reviewing wills, pension beneficiary nominations, and protection arrangements now can help reduce future tax liabilities. Not having a plan will only enrich HM The Treasury, rather than your loved ones or the causes you care about.

  • AI investment brings opportunity and risk. Significant spending by major technology companies on artificial intelligence could support long-term growth, but high valuations reinforce the importance of diversification and disciplined portfolio construction.