Pensions and ISAs are great ways to shelter your savings from tax. Because pensions and ISAs work differently and have their own set of rules, it can be difficult choosing between the two. So which is better? Your choice would depend on your personal circumstances and what’s most important to you. There are several factors Read more ›

You have the power to drive change in the world. To ensure that your values are taken into account when you invest. To support those companies that are making good things happen through the products and services they provide, the way they do business or how they give back to society. Anyone who wants to Read more ›

There are a lot of reasons to be discouraged right now. We have a national lockdown, we know of people losing their livelihoods, there are promises of a deep recession and the news is gloomy. Worst of all, people are dying. There’s no doubt about it; we are living through an exceptional period and many Read more ›

Whether you have earned your wealth, inherited it or made shrewd investments, you will want to ensure that it can be enjoyed by you, your family and your intended beneficiaries, and not the taxman. With a bit of estate planning, you could gain a semblance of control over what happened to your assets when you Read more ›

As a parent I know that we all want the best for our children. And one of the most important decisions we have to make for our children is to choose their schooling. For some, sending their child to private school is a lifelong dream or an ambition to be fulfilled. But with a potential Read more ›

According to a recent report by the International Longevity Centre, financial advice can leave savers around £50,000 richer over 10 years. There is also new evidence that financial advice offers especially good value for the less well off. In case you are wondering how this works, here are five main areas where a financial adviser Read more ›

If you’re employed in the UK (as opposed to self-employed) you should be auto-enrolled into a workplace pension unless you’ve chosen to opt out. But although auto-enrolment is a good thing, it’s not an excuse to sit back and take no further interest in your pension. Many people I meet have little or no idea Read more ›

Whilst making mistakes is natural, making them in investing can be painful and expensive. Poor judgement could hurt your investment journey and potential returns. Thankfully, we can learn from the past mistakes made by others. Here are five common investor mistakes you should watch out for: 1: Waiting for the right time: Many people wait Read more ›

Divorce is considered one of the most stressful situations a person can find themselves in. It is no doubt a life changing event which no one should underestimate or go through alone. There are mixed and complicated emotions involved in the breakdown of any relationship. You’ll probably feel heart-broken, sad, angry, guilty or lonely; all Read more ›

This is probably the most common question we get asked as financial advisers. Most people would agree that a lottery winning of a million would be very nice indeed. Some would however argue that a million wasn’t anywhere near enough. Of course, it depends. The amount of money that would be enough to simply get Read more ›