For much of the last decade, cash was easy to dismiss.Interest rates were close to zero, inflation was low, and investors were often rewarded for taking risks.Today, the conversation feels very different.With many savings accounts paying around 4%, a question we hear regularly is:Why...
Decisions relating to property are often the largest financial commitments people make. Yet many property decisions are approached surprisingly narrowly.Your focus might be:Can we borrow enough? What interest rate can we secure? Should we fix for two years or five?These are important questions, but...
One of the privileges of our profession is that we spend our days helping people make important decisions.Some are financial.Many are not.Property decisions, retirement choices, helping children financially, business sales, inheritance planning, career changes and countless other life events all have financial consequences that deserve...
Millions of well-intentioned people in the UK are helping their loved ones manage their online financial accounts, but could risk having these accounts frozen because they don’t have a Lasting Power of Attorney (LPA) in place.Lloyds’s 2024 Consumer Digital Index (3 November 2025) suggests 1...
Inheritance Tax (IHT) is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax liability.Each year, the amount of IHT paid to HMRC is increasing. By 2030/31, the Office for Budget Responsibility (February 2026) forecasts that IHT...
Building wealth without a financial plan may be like searching for a destination without a map. You might miss the most efficient route, take an unnecessary detour, or miss your intended target altogether. A clear plan could be essential for helping you reach your goals.If...
Like inflation, lifestyle inflation could affect your finances, and you might not be aware of the effects straightaway. Find out how it might impede your ability to reach your goals and some ways to manage it.Lifestyle inflation refers to the tendency for spending to increase...
Once you have made an investment strategy, often doing nothing is the best course of action. Yet, it’s an approach that might be more difficult to stick to than you expect.Investment markets often experience volatility, which could tempt investors to make decisions based on short-term...
Estate planning isn’t always as straightforward as leaving everything to a spouse or direct descendant.In fact, many people in the UK are opting to leave some or all of their wealth to their “chosen family”. Research cited by Today’s Wills and Probate (29 January 2026)...
Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to tackle your estate plan.According to...