At the age of 18, I remember chatting to my friend George who was about to turn 18 himself. George was all excited. He simply couldn’t contain himself and his 18th birthday couldn’t come soon enough. I couldn’t understand what all the fuss was about however, after probing a little further, he revealed to me Read more ›

Watching someone you love get older can be a very difficult experience, but also one that we all will inevitably go through at some point in our lives. It certainly can have its challenges and sometimes thinking about the financial side is the last aspect anyone wants to discuss. In this series I’d like to Read more ›

INTRODUCTION With the end of the current tax year (5 April 2019) fast approaching, we have outlined below some of the main things that individuals, entrepreneurs and their families should look at ahead of the tax year end, to ensure that their personal tax affairs are in good order and all available tax allowances and Read more ›

Making money mistakes can be expensive and may take a long time to recover from. No one likes making mistakes, but making mistakes is probably the best way to learn. When you tell yourself, “Well, I’m never going to do that again”, you’ve learnt the hard way and chances are, you’ll never make the same Read more ›

Hard not to argue with the clarity of 50 Cent’s overall life goals, but dare I say it’s a little more complicated for the rest of us. What does money mean to you? I mean really? Yes, there is the standard glib answer that everyone wants more so they can buy more stuff and do Read more ›

Question: “I am 65 and still working, but just three days a week with the same company with which I have one pension, which was closed and replaced with a retirement saver pension. I contribute to this via salary sacrifice. I also have a personal pension serviced by an IFA. The fund is £145k, IFAC Read more ›

It is hard to believe coming into the end of another tax year.. and we’re still talking about Brexit. My guess is we’ll still be talking about Brexit every tax year from now on. (I’m just joking… I really hope I’m joking). As ever, there are a number of options you should be thinking about Read more ›

A lot of thinking went into a setting up a personal pension in the old days, especially when there wasn’t an employer’s pension scheme you could join. You’d have to decide on your risk appetite, which pension provider to go with, your investment strategy, which funds to invest in, your target income in retirement and Read more ›

As if January wasn’t bad enough. The weather’s turned cold, Brexit would almost be comical if it wasn’t so serious and then you have to do your taxes. So to try and cheer myself up I’ve put together a handy guide of different options you’ve got to reduce your tax bill. Now I appreciate these Read more ›

For those who want to invest their money in an ethical way, there are many more options than there used to be, and a lot of these options are producing healthy returns. In many cases, ethical funds have outperformed their mainstream counterparts, which shows that profit and principles can go hand in hand. The natural Read more ›