Is buy-to-let still worth it in 2023?

It’s easy to have a gloomy outlook if you’re a landlord or considering becoming one. Interest rates are higher, so having a mortgage is much more expensive than it was twelve months ago and the tax position is much less favourable. Let’s get past the bad news first – warning, there’re plenty of it! How […]

How to plan for the five financial life stages

Think about who you were five, or even ten years ago. Have your priorities changed in that period? It is important to adapt your financial planning as you go through life and accumulate wealth. Here are some things to think about as you go through the various financial life stages: Stage 1 – Young adulthood […]

Is using a Robo-Advisor the right choice?


 Should I use a Robo-Advisor? Many ask whether using a Robo-Advisor is the right choice with many financial advisers worried that they could be out of a job within 5 years if developments in artificial intelligence take off. One scenario would be that you log in on your phone or tablet to a Robo-Advice portal […]

The benefits of using the Lifetime ISA

If you’ve given retirement some thought, you’ve likely begun paying into a pension and you may have a Stocks & Shares ISA. Both of the above have their advantages in helping you build a decent nest egg to enjoy in later life, however one product not to overlook is the Lifetime ISA. This article will […]

Investing for the first time

If you want your savings to have the best chance of beating inflation, you’ll likely need to find a good investment for your hard earned cash. With the huge rise in TikTok advice, YouTube gurus and DIY forex courses, it can be difficult to know where to start. This article will outline five things you […]

Should I overpay my mortgage?

Considering whether to overpay a mortgage

Interest rates are on the up. Quite rightly, anyone with mortgage is concerned about affordability. If you have extra money to spare each month, should you overpay your mortgage? This would reduce both the mortgage amount and the overall mortgage term, thereby reducing the interest you would pay overall. It would also reduce your loan […]

Lump sum v regular pension contributions; which is better?

Creating your pension pot

Pension plans are one of the best ways to save for the long term. For starters, you get pension tax relief on your contributions. This means that you get a top up from the government, so it effectively costs you less to save more. In addition to that, your pension contributions are typically invested for […]

5 ways to avoid pensioner poverty

The breadline is a very real prospect for many at retirement. Most people born post 1970 are facing very different retirement prospects to those of their parents and grandparents. Back then, a job was for life and final salary pension schemes were commonplace. If you worked for a company for 30 years or more, you were sorted. Those […]

5 ways to deal with the cost-of-living crisis

A couple working out their income v expenditure

It’s all quite alarming. The cost of everything is going up. The weekly shop, filling up the car, public transport, holidays, energy bills – everywhere you look, the squeeze is on. It’s easy to feel overwhelmed and depressed, especially when most household incomes are static. What to do? Wait for the government to step in? […]

Could equity release be used to reduce your inheritance tax bill?

No one likes paying tax, but inheritance tax is probably the most unpopular tax of all. This is because inheritance tax is perceived as being a tax on the dead rather than the living. It is also a tax on giving rather than receiving. To rub salt into the wound, inheritance tax is a tax […]