Having money in the bank feels reassuring. You can see it. You can access it. You know exactly how much is there. And unlike investments, its value doesn’t appear to jump up and down every time you check your account. So, keeping a healthy amount of cash can be a very sensible part of financial […]
Are You Holding Too Much Cash? When Savings Can Work Against Your Long-Term Plans Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
Changing Financial Adviser in Retirement: Mark’s Story Read More »
You’ve decided to take £20,000 from your pension. You’ve worked out what you want to use the money for, requested the withdrawal and waited for it to arrive. Then you check your bank account. It’s considerably less than you expected. For many people, their immediate reaction is: “Where has all that tax gone?” The answer
Pension Withdrawals and Emergency Tax: Why Your First Payment May Be Taxed Incorrectly Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
For many people, 60 feels like the ideal age to retire. You’re young enough to hopefully enjoy plenty of active years ahead, but old enough to start thinking seriously about swapping work deadlines for a little more freedom. But there’s usually one big question standing in the way: Can I actually afford to retire at
Can I Afford to Retire at 60? How Cashflow Modelling Can Test Your Plan Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
The date is now in the diary. The Autumn Budget 2026 will take place on Wednesday 28 October, and as we get closer to the Chancellor standing up to deliver it, you can expect plenty of headlines about what might change. Pensions. Inheritance Tax. Capital Gains Tax. Property. Tax thresholds. Wealth. Some predictions may prove
Autumn Budget 2026: Should You Make Changes to Your Finances Before 28 October? Read More »
Last year, a new client came to us feeling overwhelmed by her pension. She’d lost faith in her previous advisers, especially after they invested a significant portion of her funds shortly after her divorce, which left her with a substantial mortgage debt. We uncovered several significant problems with her previous financial advice. Firstly, she was
Retirement Planning for Business Owners: Nick’s Story Read More »
It’s not the easiest question to think about. Most of us spend years building our savings, investing for retirement and making sensible financial decisions. But what would happen if illness, an accident or a condition such as dementia meant you were no longer able to manage your own finances? Would someone you trust be able
Who Would Manage Your Finances If You Could No Longer Do It Yourself? Read More »
