Higher Ground

For savers who've done the hard part, and now feel stuck.

You have an emergency fund. You don't carry expensive debt. You've saved for years. And there's a growing pile of cash in the bank with no clear job to do. Higher Ground gives this next stage a shape.

Inside:

• The cash trap, and your household balance sheet

• Your work-optional number: why you need a bridge, not a pot that lasts forever

• ISA or pension, and the order to fill them

• Every UK allowance, used twice, and the £60,000 and £100,000 traps

• Selling well: capital gains, staged and shared

• Rent or buy anything, and when borrowing against an asset beats selling it

• Wills, inheritance tax and trusts, including the 2025 and 2027 changes

• Ten decisions for the next ten years, and how to use an adviser well

Follow Marco and Liza, a couple in Milton Keynes with savings, two children and no wills.

46 pages · 7 fillable worksheets · PDF · 2026/27 tax figures, checked October 2026

Written for UK residents. Figures are for England, Wales and Northern Ireland; Scotland's income tax bands differ.

Financial education, not regulated financial, tax or legal advice. Take regulated advice before acting on pensions, trusts, equity release or large gifts.