Insights

Please see below for some helpful and insightful articles on a range of topics that will assist you in different stages of life



Trying to understand every aspect of your finances can be daunting, overwhelming and sometimes just plain baffling. When you want to get to grips with the finer points of everything from ISAs and mortgages to pensions and investments, where do you start? And how can you make informed decisions when navigating the financial world is so complex, and any information you do find is either meaningless marketing speak or industry jargon? Well,…

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As the world becomes more and more interconnected and we routinely use digital means of making payments, it is more important than ever to be aware of the risks this can present. From identity theft and fraud to cybercrime and money laundering, criminals have many different ways of targeting unsuspecting victims and obtaining their hard-earned cash. So, what can you do to be more resilient in the face of…

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We’ve been through a difficult period in the last few years, to say the least.  Thanks to factors ranging from the Covid-19 pandemic to Liz Truss’s catastrophic Mini-Budget, along with soaring interest rates and inflation rising to a 40-year high, people in the UK have been put under unprecedented and sustained financial pressure. But interest rates have been left on hold in the last few months and whilst the…

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This month, the Office for National Statistics (ONS) reported that inflation had fallen to 3.4% in the twelve months to February 2024.  This is down from 4% in January and means that inflation is at its lowest point in two and a half years. The impact of getting closer to the Government’s 2% inflation target could then mean the Bank of England’s MPC (Monetary Policy Committee) decide to reduce…

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The 2023/24 tax year is coming to an end on April 5th, so you don’t have long left to use your various allowances – in particular your Capital Gains Tax allowance. This is especially important this year as your Capital Gains Tax allowance is being cut from £6,000 to £3,000 from April 6th. That means that now is the time to cash in on the bigger allowance, so if you…

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What does financial freedom look like for you? For most, it means having enough income, savings or investments to live life on their own terms, without having to worry about the consequences. But financial freedom isn’t something that can be achieved overnight. It is a target that you need to work towards over many years, with strategic and careful planning. Set clear goals The first step to achieving financial…

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Jeremy Hunt, the Chancellor of the Exchequer, has delivered his Spring Budget, and we wanted to keep you informed about what has just been announced. Taxes Employee National Insurance to be cut from 10% to 8% from April. Self-Employed National Insurance to be cut from 8% to 6% from April. Non-dom tax regime to be scrapped and reformed, with new rules being introduced in April 2025. Under the new…

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When a person is putting together a financial plan, life insurance can often be overlooked.  Yet, this financial product can provide invaluable support to your loved ones in the event of your death, and act as a crucial safety net for those you care about most. So why should you consider getting life insurance sooner rather than later? 1.  Protect your dependents If you have dependents, such as a…

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Currently, the age at which you are entitled to claim the State Pension is 66.  This is expected to rise to age 67 in 2036, and then to 68 in 2046.  A think-tank has recently floated the idea that, in order to make the State Pension sustainable, pensionable age needs to be increased to 71 by 2050.  A falling birth rate, combined with an increase in life expectancy means…

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We all want to look forward to a happy and fulfilling retirement, but that doesn’t happen by itself. It is the result of careful planning and making the right decisions throughout your working life, so you can have the financial means to enjoy the lifestyle you want and deserve. But shifting economic sands and events entirely beyond your control means your retirement plans can’t be set in stone. For…

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