Scott Gallacher
He has worked in financial planning for nearly 30 years and regularly comments in the national media on retirement, pensions, inheritance, investing, tax and later-life planning.
Scott is the author of 50 Today 100 Tomorrow: Planning Your Money and Life for the Next 50 Years and founder of 100 Tomorrow, where he writes about retirement, longevity, financial planning and making the most of the years ahead.
He is APFS qualified and holds specialist qualifications in pensions, taxation, trusts, investments, long-term care, equity release and divorce.
Scott has a particular interest in the human side of financial planning, including when people have enough, when they can afford to retire, how much they can safely spend and how they can help the next generation without compromising their own financial independence.
Media Coverage
The Times
When financial advice makes sense and when it doesn’t
There are plenty of decisions you can get right on your own. For the rest, pay a professional
The Times
‘I tried to lower my tax bill but lost £55,000’
Getting business tax relief on a losing investment makes no sense. There are other ways to avoid inheritance tax
Daily Mirror
New ISA HMRC rule will see 'charge' for first time
Experts are warning that ordinary people will be 'penalised'
The Times
‘My mum always believed in me — now I can pay for her retirement’
Welcome to the Bank for Mum & Dad. Successful thirty and fortysomethings are putting away money to ensure older relatives can afford a comfortable retirement
Daily Mirror
Inheritance alert as '£200 mistake' could tear family apart
Experts have explained how to avoid problems at a difficult time
Money Marketing
Advisers urge families to record inheritance wishes
Financial advisers are urging people to record who should inherit sentimental possessions, warning that informal promises over family heirlooms can lead to bitter disputes after death.
AOL.com
New ISA rules mean ‘new charge’ for savers paid to HMRC - AOL
Experts have said the new rules are more complicated than they first seem
Daily Mirror
New ISA rules mean ‘new charge’ for savers paid to HMRC
Experts have said the new rules are more complicated than they first seem
The Times
From probate to inheritance tax: how to save your family money when you die
Fees and funeral costs are rising and more taxes are coming for the middle class. So what can you do now to cut the cost of dying?
Employer News
Jobseekers aged 50 and older are being written off and automatically filtered out due to “quiet bias”, experts warn
News Jobseekers aged 50 and older are being written off and automatically filtered out due to “quiet bias”, experts warn
Daily Mirror
New Treasury taskforce looking for thousands of people due £2,200
Banks including Nationwide and HSBC are working to trace people with money waiting
Bristol Live
Letters to be sent telling people born before 2011 how to claim £2,200
HMRC, Nationwide and HSBC have joined the taskforce working out how to get people their money
GB News
Rachel Reeves's ISA shake-up SLAMMED as savers fade 22% tax 'punishment' on interest
The Chancellor is being called to reconsider pending tax reform to ISAs
FT Adviser
‘We are already in a pensions crisis’, advisers warn after commission report
The Pension Schemes Act will help tackle shortcomings identified by the Pensions Commission report but won’t fix the retirement crisis altogether.
Daily Express
UK pensions crisis ‘already here’ as 15 million Brits have not saved enough
Large groups across the UK are now facing a severe cliff-edge when they retire.
FT Adviser
Aviva platform cash changes will leave ‘many clients worse off’
Advisers fear changes to Aviva’s treatment of cash on its platform could lead to clients being worse off.
North Wales Live
New ’40 percent’ tax alert as UK ‘many families are being caught’
There is a 40% charge on parts of an estate above the threshold – and experts warn more families are being caught out
Yorkshire Live
New ’40 percent’ tax alert as UK ‘many families are being caught’
There is a 40% charge on parts of an estate above the threshold – and experts warn more families are being caught out
Daily Express
New ‘death tax’ warning as experts say avoid HMRC threshold risk
The standard threshold - known as the nil-rate band - has been stuck at £325,000 since 2009
Surrey Live
New ’40 percent’ tax alert as UK ‘many families are being caught’
There is a 40% charge on parts of an estate above the threshold – and experts warn more families are being caught out
Business Matters
BADR hike branded a ‘tax-grabbing assault’ as Britain’s founders eye the exit
Founders and advisers warn the latest hike in Business Asset Disposal Relief to 18% is squeezing entrepreneurs and pushing Britain’s homegrown talent abroad.
Express.co.uk
Warning issued to people with money in the bank
People are being urged to check if they could be better off
FT Adviser
Big bank loyalty costs savers £300 a year
According to analysis from Moneyfacts, staying with a big bank rather than a challenger bank can leave savers £300 worse off every year.
FT Adviser
Is there an ethical risk when it comes to AI?
As advice firms increase their use of artificial intelligence to help them with day-to-day tasks they must ensure they take account of the ethical considerations.
The Money Pages
‘New era’ for savings as interest rates take a plunge
Savers are being warned they should prepare for a ‘new era of returns’ as rates continue falling from their peaks.
Express.co.uk
Pension savers urged to get 3 things ‘right’ in 2026 for ’comfortable retirem...
Approximately 14.6 million people are making a crucial pension mistake.
GB News
Pension disaster as nearly 15 MILLION Britons failing to save for retirement, DWP reveals
Nearly 15 million working-age adults across Britain are failing to save enough for their retirement, according to damning new Department for Work and Pensions (DWP) analysis.
Birmingham Live
Brits already taking action against a major Inheritance Tax update next year
Around 213,000 estates with inheritable pension wealth in 2027 to 2028, 10,500 estates will be affected
Express.co.uk
New ‘£34,000’ average tax warning as nearly 40,000 to face HMRC hit
Thousands are set to be hit when the tax change takes effect
GB News
Labour warned DWP scheme to tackle workplace sickness 'like emptying the ocean with a teaspoon'
The Labour Government has unveiled a new scheme offering complimentary occupational health training to 5,000 line managers at small and medium-sized enterprises (SMEs) across England.
Business Matters
Workplace sickness scheme branded ‘teaspoon solution’ as experts warn government plan lacks scale
Experts and business leaders have criticised a new UK workplace sickness scheme, warning it lacks scale and fails to address the root causes keeping millions out of work.
Thisismoney
'I wish I'd never bought an EV': Drivers' fury at new pay-per-mile tax that forces them to report to MOT stations every year
Electric vehicle owners have reacted with dismay to another tax being slapped on their eco-friendly cars after the Chancellor announced plans to impose mileage-based electric Vehicle Excise Duty (eVED)...
FT Adviser
Advisers question why Hargreaves Lansdown got a shout out in Budget
The chancellor mentioned Hargreaves Lansdown in the Budget as a wealth firm in a position to help people move from saving in cash Isas to investing in stocks-and-shares Isas.
Sky News
Pensions, salaries, benefits, petrol and property | What the budget means for you
Money live reporter Jess Sharp explains how the budget will impact your finances in the video below. We’ve also been answering your questions on what the budget means for your money - scroll down to catch...
Newspage News
Cutting the cash ISA limit slammed as “another short-sighted move by the government”
Cutting the cash ISA limit to £12,000 branded “another short-sighted move by the government” following Budget
Retail Times
Black Friday an “American vortex of misery” that results in “overspending and regret” after UK retail sales slump
Retail sales collapsed by 1.1% in October 2025, with many retailers saying the lead up to Black Friday was to blame.
GB News
Recession alert: US economic downturn 'would be straw that breaks the UK's back' as stock market tumbles
Investors are concerned about a potential AI stock market 'bubble' which analysts warn could trigger a recession on both sides of the Atlantic
Express.co.uk
Global recession fears as stocks and Bitcoin plunge across the world – FTSE hit
Economic panic has been sparked by the plummeting of stocks and is not immune Bitcoin.
Express.co.uk
Stocks plummet with S&P 500 on the brink as US recession fears explode
The UK is waking up to news of global financial turmoil.
GB News
Rachel Reeves's raid on pensions set to be 'biggest tax hit in decades' as YOU could lose £214k to HMRC
Labour's inheritance tax raid (IHT) on pension pots could cost you £214,000, representing the "biggest tax hit in decades", analysts warn.
Thisismoney
As the number of people aged over 100 doubles, here are three ways the ageing population will affect ALL our finances
Back in 2004, in a world that years away from facing the global financial crisis of 2008, Brexit and the covid pandemic, news headlines warned of the risks of an ageing population and the possibility of...
Express.co.uk
Rachel Reeves faces backlash over potential pension plan
Critics warn that any such move would “punish prudence”
Express.co.uk
Turkey prices soar ahead of Christmas in huge blow to UK supermarket shoppers
A new analysis has revealed the significant price increases for turkeys across several UK retailers.
Express.co.uk
Shocking poll shows Brits will rage at Reeves if she makes one brutal tax move
EXCLUSIVE: We asked readers if they would accept cuts to state pension to help Rachel Reeves fix our economy, but she will not like their answer.