Insights

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



A legal power of attorney (LPA) allows you to appoint someone you trust to make decisions on your behalf if you become unable to do so. It is a really important piece of financial planning, as it should provide continuity in the event that you are unable to make important decisions. We’ve summarized below the key reasons for creating a POA and the main types available. Reasons to Create…

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Times have been unusually tough for a lot of people in recent years. Even those with a decent income have been squeezed by inflation. For them, the process of budgeting extends beyond mere expense tracking. It’s about strategically managing resources to sustain and grow wealth, aligning spending with values, and preparing for future financial goals. Here’s a guide to help you navigate the essentials of budgeting effectively. What are…

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It’s never been more important to use all of your tax allowances. The latest data from HMRC shows that their total revenues from tax receipts and National Insurance Contributions were £827.7bn from April 2023 to March 2024, up £39.1bn on the previous year. It has increased by a striking 83% since the Conservatives came into government in 2010, when it was £453bn. Inflation over the same period has only…

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Now we know that Labour will be in government for the next five years, we’ve reviewed their Manifesto promises to see what might be in store from a personal and business finance perspective. How closely they stick to it and what else might be in store will only be revealed in the forthcoming months, but we’ve checked what was published just weeks before they came into power. In May,…

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The concept of a safe withdrawal rate is a common ‘rule of thumb’ in retirement planning, used to determine how much you can withdraw from your retirement savings each year without running out of money. The safe withdrawal rate helps retirees manage the risk of outliving their assets, balancing the need for current income against the preservation of capital over the long term. Here’s a breakdown of the concept…

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Pensions have been a big topic in UK politics for some time, nevermore so than in an election year. That’s no surprise to us given their crucial role in the financial security of millions of citizens, but not everyone is as interested and engaged in pensions as we are! Here’s a quick summary of why pensions have been at the forefront of UK politics in recent years. The UK…

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As you move through your working life, it’s easy to get a rosy picture of retirement and dream of the day when you finally step away from the office. But how do you work out when that day should actually be? There is no simple answer to this question, as there are so many factors that are unique to you personally. However, there are several other questions you can…

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More and more people are finding themselves in legal disputes with loved ones over inheritances, new figures have revealed. According to the Ministry of Justice, 80 inheritance disputes went in front of judges in 2012. However, this figure had risen to 145 by 2017, and in 2021/22, it stood at 195 – more than double the number recorded a decade earlier. And that’s before you take into account the…

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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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