Three financial resolutions for 2026
Themes that may shape client conversations this year
Many individuals and business owners are reassessing what “financial wellbeing” means. For advisers, these reflections often surface in everyday conversations. Three themes are likely to stand out this year.
1. Legacy is becoming a live conversation
Inheritance is no longer a distant issue. Rising property values, intergenerational wealth transfers and changing family structures mean clients are thinking earlier about who their wealth is for and the impact it should have. This prompts wider discussions about fairness between children, support for grandchildren, charitable giving, and ensuring intentions are reflected in wills and broader planning. The focus is shifting from tax mechanics to purpose.
2. The “right” time to draw income is less obvious
Retirement is becoming more fluid, with many people moving gradually through consultancy, part time roles or portfolio careers. The question is evolving from when to retire to how to draw income flexibly over time. Clients may be unsure whether to use savings, pensions or business assets first, and worry about making the wrong choice. These practical decisions sit alongside deeper concerns about longevity, independence and lifestyle.
3. ISAs are useful – but not a complete answer
ISAs remain popular for their simplicity and tax efficiency, but many clients assume they meet every savings goal. As balances grow and objectives become more complex, ISAs alone rarely provide the structure needed for long term planning across generations, businesses and retirement. This creates an opportunity to shift thinking from products to outcomes.
Together, these themes reflect a broader move toward coherent life planning, with advisers helping clients connect today’s choices with tomorrow’s realities.
How we can help
Succession Wealth helps clients navigate complex tax changes. We model the impact of 2026 reforms, explore tailored solutions, and work with other professional advisers to ensure estates are structured tax efficiently.
Important information
This article is for general information only and does not constitute advice. It is aimed at retail clients only. Individuals should seek regulated advice for their circumstances. Succession Wealth is a trading style of Succession Wealth Management Limited, authorised and regulated by the Financial Conduct Authority (FCA No. 588378). Registered in England and Wales: The Apex, Brest Road, Derriford Business Park, Derriford, Plymouth PL6 5FL. Registered No. 07882611. The Financial Conduct Authority does not regulate taxation, trusts or estate planning.
Written by Ryan Crozier, Financial Planner, Succession Wealth
