Budget
Autumn Budget 2025
The main highlights from the Chancellor’s Autumn Budget 26TH | NOVEMBER | 2025 Introduction The Chancellor delivered the 2025 Autumn Budget at
November 27, 2025
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Blog
Financial Planning
Reducing debt before retirement
As retirement approaches, ensuring financial stability becomes increasingly important. One of the key factors in achieving this is managing and reducing debt.
October 13, 2025
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Retirement
5 years before you retire are the most important
As you approach retirement, it’s crucial to recognise that the last five years leading up to this milestone are perhaps the most
July 4, 2025
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Retirement
Retirement vs life expectancy
In the UK, the average life expectancy is currently 81 years old. However, the current retirement age is 66, and is set
June 4, 2025
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Budget
Spring Statement Summary
26TH | MARCH | 2025 Economy The Office for Budget Responsibility (OBR) has halved the UK growth forecast for 2025 from 2% to 1%.
March 27, 2025
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Retirement
What are my options for providing income in retirement?
Planning for retirement involves careful consideration of how you’ll generate income to support your lifestyle once you stop working. With increasing life
March 18, 2025
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Retirement
6 questions to ask about your retirement
Introduction Preparing for retirement is a pivotal phase of life that requires careful planning, strategic decision-making and a comprehensive understanding of your
February 4, 2025
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Financial Advice
The true cost of not seeking financial advice
Understanding the true cost of not seeking financial advice is crucial in navigating today’s complex financial landscape. Whether it’s planning for retirement,
January 15, 2025
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pension
Understanding the new state pension
The UK new state pension, introduced in April 2016, replaced the previous basic state pension system and additional state pension schemes (such
November 26, 2024
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Retirement
How to use your pension pot?
Planning for retirement involves not only accumulating savings but also strategically using those savings to provide income throughout your retirement years. For
November 11, 2024
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Budget
Autumn Budget 2024
Summary of the Chancellor’s autumn budget 30th October 2024 Taxes National Insurance contributions for employers will increase from 13.8% to 15% from
October 31, 2024
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pension
Pension shortfall: What you need to know
Introduction Recognising a pension shortfall early can be the key to securing your financial future during retirement. As you navigate through the
October 11, 2024
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pension
How to build a pension pot
Introduction Building a pension pot is a vital step towards securing your financial future for your retirement. With changing economic landscapes and
September 27, 2024
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Budget
Spring Budget Summary 2024
Summary of the Chancellor’s Spring Budget Taxes National insurance contributions cut from 10% to 8% for employees. Self-employed national insurance rates cut
March 13, 2024
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Budget
Autumn Statement 2023
Autumn Statement 2023 On the 22nd November 2023, The Chancellor of the Exchequer, Jeremy Hunt announced the Government’s autumn statement. Prior to
November 23, 2023
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pension
Passing your pension onto loved ones
Three tips for passing your pension on to your loved ones Do you consider your pension an asset in the same way
November 7, 2023
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Budget
Spring Budget 2023
Spring Budget Summary 2023 ENERGY PRICES / BILLS The energy price guarantee will remain at £2,500 for a further 3 months. Fuel
March 20, 2023
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Budget
Autumn Statement 2022
Autumn Statement 2022 STABILITY, GROWTH & PUBLIC SERVICES On the 17th November 2022, Chancellor of the Exchequer Jeremy Hunt announced the Government’s
November 18, 2022
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Budget
Mini Budget – what it means to you?
Mini Budget – what it means to you? On Friday 23rd September, Chancellor Kwasi Kwarteng MP, shared the Conservative Government’s mini-budget plans
October 1, 2022
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Budget
Spring Statement – March 2022
THE BELOW SUMMARY WAS TAKEN FROM THE CHANCELLOR OF THE EXCHEQUER’S SUMMARY ON 23 MARCH 2022. INTRODUCTION Against a backdrop of the
March 24, 2022
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Investments
Cash ISA’s vs Inflation
Cash ISA vs Inflation Did you know the Halifax currently pay 0.01%* on their online easy access cash ISA account. Yes, you
February 18, 2022
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Budget
Budget 2021
On 3rd March 2021, Chancellor Rishi Sunak delivered the Spring Budget. In this budget he announced the platform to discuss the ways
March 6, 2021
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Investments
5 steps to successful investment planning
How to make the most of my money? Investment planning starts with understanding what your aims are. It is then vital to
December 23, 2020
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Budget
Spending Review Statement 2020
Spending Review This week’s Spending Review statement made by the Chancellor confirmed some key points on infrastructure and budgetary matters and leaves
December 9, 2020
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Coronavirus
Winter Economy Plan
Chancellor outlines Winter Economy Plan Chancellor Rishi Sunak has announced that, as the Job Retention Scheme (JRS) terminates at the end of
October 1, 2020
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Budget
Chancellor’s Summer Statement
Chancellor’s Summer Statement The main points of the Chancellor’s Summer Statement are summarised in this article. The Chancellor’s focus was on the
July 29, 2020
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Investments
Investment Diversification is Key
Investment Diversification is Key When you examine investment performance over the long term, there is no obvious pattern. Take Emerging Market funds
July 27, 2020
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Financial Planning
What value from your financial adviser?
What value from your financial adviser? As financial advisers we work side by side with our clients and take responsibility for the
July 9, 2020
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Coronavirus
COVID-19 Government Support For Business
Government Support for Businesses During the COVID-19 Pandemic On 17th March the Chancellor, Rishi Sunak, announced a dramatic set of temporary measures designed
March 26, 2020
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Investments
Coronavirus & Investment Update for Clients
An Investment Update for Clients It’s difficult writing about financial and economic matters when health is quite rightly at the top of
March 26, 2020
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Financial Planning
Can your money work harder in 2020?
Can your money work harder in 2020 Now could be the perfect time to consider whether your savings, investments and pensions are
January 3, 2020
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Retirement
Pension Freedoms 4 years on
Pension Freedoms 4 years on The Government’s announcement of Pension Freedoms in 2014 came into play from the start of the 2015/16
May 28, 2019
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Retirement
The Pro’s and Con’s of buying an Annuity
The Pro’s and Con’s of buying an Annuity Protecting your financial health with the right retirement plan is a responsibility that nobody
May 28, 2019
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Retirement
How to Create the Perfect Retirement Plan
How To Create The Perfect Retirement Plan Retirement, for many, is a chance to continue doing the things they love most, from
April 25, 2019
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ISA
The Benefits of Saving Regularly
The Benefits Of Saving Regularly There are often two types of investors. There are investors who already had money in their pocket,
April 25, 2019
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Financial Planning
What Are The Benefits of Financial Planning?
What are the benefits of Financial Planning? Have you ever thought about financial planning? Creating a financial plan for yourself should be
April 2, 2019
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Financial Planning
What Is Estate Planning?
Estate Planning Whether you realise it or not, you have an estate. Lots of people are unaware of what makes up an
February 25, 2019
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Retirement
What Is A Pension Review?
Pension Review Are you starting to prepare for your retirement? You may wish to complete a pension review. A pension review is
February 25, 2019
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Investments
How Does Investment Planning Work?
Investment Planning If you are keen to protect the health of your finances, you need to think in terms of investment planning.
February 25, 2019
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Financial Planning
What does an Independent Financial Adviser Do?
What does an Independent Financial Adviser Do Financial advice can be invaluable. With the right financial advice, you can decide how to
February 5, 2019
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Financial Planning
How Can I Reduce the Amount of Tax I Pay on My Investments?
How Can I Reduce the Amount of Tax I Pay on My Investments? Everyone’s searching for ways to pay as little tax
February 5, 2019
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pension
Who Can Do A Pension Review
Who Can Do a Pension Review? Retirement planning has become a major financial responsibility that many of us are trying to tackle
February 5, 2019
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Investments
Diversification – the only free lunch in investment?
Diversification – the only free lunch in investment The above chart shows the “ups and downs” of different assets classes between 2005 –
January 22, 2019
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Budget
Budget 2018 – what it means for clients
Budget 2018 – what it means for clients With no significant tax or pension changes in the Budget, we can plan for
October 29, 2018
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pension
The New State Pension
The New State Pension The new state pension was introduced on 6th April 2016. This affects everyone who has yet to reach
October 11, 2018
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Financial Planning
Do you know the value of your pension pot?
Do you know the value of your pension pot? The new pension freedoms place even greater responsibility on individuals to take control
April 30, 2018
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Risk
Don’t put all eggs in one basket!
Don’t put all eggs in one basket! As financial advisers, we talk all the time about the benefits of investing in different
March 19, 2018
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Tax allowances
Is your investment paying too much dividends?
Is your investment paying too much dividends? From 6th April 2018 the dividend allowance, introduced in 2016, will reduce to £2,000. The
March 9, 2018
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ISA
ISA vs Pension
ISA vs Pension – which is best? ISAs (Individual Savings Accounts) are a popular way to save. They are after all tax
February 7, 2018
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Retirement
How To Choose Your Retirement Age
How to choose your retirement age Many people are concerned or confused about their pension as they approach retirement age, or possibly
December 1, 2017
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