Personal finance news, guides & articles.
Thoughtful personal finance articles that explore topical issues and answer the questions people want properly explained, helping readers build understanding and make more confident decisions.
Business Asset Disposal Relief (Entrepreneurs Relief) explained.
Business Asset Disposal Relief allows individuals to pay less Capital Gains Tax when they come to sell part or all of their business. This article explores how this relief works.
The top 5 things to do with your money in your 30s.
Managing your finances in your 30s is all about balance, planning and rhythm. These are our top 5 recommendations for what to do with money in your 30s.
The top 5 things to do with your money in your 20s.
Managing your finances in your 20s is all about balance, learning, change & planning. These are our top 5 recommendations for what to do with money in your 20s.
Lifetime allowance (LTA) frozen for five years.
This article explores the impact of the pension lifetime allowance (LTA) being frozen for five years and the key considerations for those who are close to breaching the LTA or who already have.
What to do with an inheritance: spend, save, invest or give?
Receiving an inheritance should be a blessing and change your life for the better, however, if you are not careful in your planning it could have a negative impact on your life.
What are the highest and lowest-paid jobs in the UK?
The best-paid job in the UK is an aircraft pilot, earning £92k. The lowest is a Playworker at £15k. Find out the 10 highest and lowest earning jobs in the UK.
Tax efficient ways to invest for your children.
This article focuses on two of the simplest and most tax-efficient ways to invest for your children: Junior ISAs and Junior SIPPs.
What is a financial adviser and how do you find one?
Many people avoid financial advice as it may be unclear what financial advisers are. This article explains how financial advisers help and how to choose one.
The normal minimum pension age is increasing.
The minimum pension age is set to increase from age 55 to 57 in 7 years. In this article, we will explore what this means and the impact it will have on people’s pensions and retirement plans.
Life and finances after divorce for women.
Divorce is never easy, even when it’s amicable. Understanding your finances after divorce helps to puts you in a position of independence & knowledge is power.
What is gold and is gold a good investment in the UK?
People invest in gold as a strategic asset as it is subject to several sources of demand. It is liquid, scarce, globally recognised & has preserves value.
Underpayments of State Pension - who is affected and how much will they receive?
The DWP has identified underpayments of State Pension relating to entitlements for certain married people, widows and over-80s back to 1992.
Why income from a side hustle could change your life.
Whether it's a better work/life balance, a house deposit, or more income security, the extra income generated from a side hustle could change your life.
How much could I borrow for a mortgage?
For many people, the financial side of a house purchase can be tricky. In this article, we answer the question of how much can I borrow for a mortgage?
How much does financial advice cost?
One of the first questions we are asked by prospective clients, is ‘how much does your advice cost?’. This is of course a perfectly reasonable question. In this article, we will look at the typical ways Financial Advisors charge and the range of costs people may come across when shopping around for financial advice.
What is a Chartered Financial Planner?
We often get asked by clients what the difference is between a Financial Advisor and a Chartered Financial Planner. In this article we will outline some of the key reasons why Chartered Financial Planners should be your first choice for financial advice.
What is the life expectancy in the UK and what does it mean?
Without being too morbid, life expectancy affects all of our plans. From how much we need to retire, when we can retire to annuity rates and care funding, we all need to understand the arc of life and make plans accordingly. The question is though, what is the life expectancy for men and women in the UK?
Protect against phishing, vishing & other inbound scams.
We’ve all noticed the number of scam emails and phone calls increase over the past few years. But with their increasing level of sophistication, what steps can we take to protect ourselves online?
What is Pension Tax Relief?
Pension tax relief is a ‘bonus’ paid by the government on money someone pays into their pension. At present, how much tax relief you receive is dependent on what you earn and what your highest rate of income tax is.
Critical illness cover: Louise’s cancer story.
In 2015, one of our advisers, Louise Baughan, was diagnosed with colon cancer. This is Louise’s personal story of how critical illness insurance changed her life, aided her recovery and now allows her to spend quality time with her family.