Digital assets have finally grown up. From 2nd December 2025, the new Property (Digital Assets etc) Act 2025 has confirmed something many people already suspected: assets that exist purely online – such as cryptocurrency and NFTs – can legally be owned as personal property. While the Act itself is short, its impact is big, particularly for…
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A typical household in the UK spends about £2,460 in a month. But, in the run-up to festivals such as Christmas and Hanukkah, our habits change. Households spend on average about £713 more in December, which is 29% more than in a typical month. The cost of Christmas has risen significantly over the years, often…
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There’s good news on the horizon for savers. From 1 December 2025, the Financial Services Compensation Scheme (FSCS) will be increasing the amount of protection available on bank and building society deposits. This update follows confirmation from the Prudential Regulation Authority (PRA) and comes after months of consultation (and a fair bit of speculation). Increasing…
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A growing number of UK adults are relying on future inheritances to remain financially stable, even as probate disputes rise sharply and delays in estate planning put legacies at risk. New research from probate lenders Level Group reveals that one in three UK adults – equivalent to 18.4 million people – are now financially dependent…
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A few years ago, I decided that it was an appropriate time to put my money where my mouth was and to start my own personal budget. The idea did not fill me with joy nor optimism; a feeling shared by most of my clients when I first suggest the idea. Like most people, I feared…
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I was speaking with Martin Cockx, our partner at Life After Law, who we featured in last month’s Wealth Management Update. We were talking about what makes you actually take action in life. Martin’s journey included a great improvement in his fitness, so we got talking about what is most evocative. Which is where the subject of…
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As people live ever longer, the conundrum of working out how to make ends meet in retirement becomes ever more complex. Especially for those that live in valuable property and who have no children to pass their assets on to. In France, they have the option of ‘Viager’ agreements – a real estate agreement where…
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The UK government is looking at big changes to how ISAs work, and the main target is the £20,000 you’re currently allowed to save tax-free each year. Right now, that allowance can be spread across either cash ISAs or investment ISAs, or a mix of both. But ministers are now seriously considering capping the amount…
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Whenever I’m asked what the single best decision is when starting a wealth strategy, my answer is always the same. Clarity. Before you start thinking about investments, savings, or retirement planning, you need to understand why you’re doing it in the first place. – What kind of lifestyle are you working towards?– What does it…
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Over the years, I’ve had hundreds of conversations with people about their finances and I’ve come to realise that wealth means very different things to different people. For some, it’s about freedom: the ability to choose how you spend your time, where you live, and who you spend your days with. For others, it’s about…
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