Each year, the Office for National Statistics (ONS) updates its “basket of goods and services”—the list of items used to calculate the Consumer Price Index (CPI), which helps measure UK inflation. It’s more than just a list of prices; it’s a snapshot of how our spending habits are evolving and what matters to us as…
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When making financial decisions, we often like to believe that we are guided solely by logic, analysis, and numbers. However, the truth is that our emotions play a significant role in how we manage and invest our money. Emotional biases are ingrained in the psychology of investors and can be very hard to overcome. …
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Every year, in the run-up to and after the tax year-end, you see article after article telling you about your tax allowances and how to use them. And if you have already got a financial adviser, the chances are you are already aware of this and your adviser should be taking advantage of these allowances…
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Every business owner will eventually face the question: How will I exit my business, and what will I walk away with? Whether you run a small, owner-managed enterprise or a growing company, having an exit strategy in place ensures a smoother transition and helps you maximise your financial return. Why Plan Your Exit Early? An…
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When starting a business, optimism, and enthusiasm often take centre stage. Partners embark on their venture with trust and shared vision, rarely considering what might happen if circumstances change. However, as businesses evolve, a dose of realism is essential—especially when it comes to protecting the future of the company and its shareholders. A Shareholder Agreement…
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Entrepreneur noun 1. A person who sets up a business or businesses, taking on financial risks in the hope of profit. Starting a business is often the ultimate dream—breaking free from the constraints of employment, taking control, and building something your own. But what truly drives an entrepreneur? The Motivation to Succeed Entrepreneurs come from…
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At Foresight, we believe that every member of our team plays a vital role in shaping our client experience. With that in mind, we’re delighted to introduce Sharon, who joins us as our new Receptionist. Bringing over 37 years of administrative experience, including 17 years in Public Relations, Sharon is no stranger to building strong…
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When you inherit wealth, it’s natural to want to keep it within your family, especially if your marriage or civil partnership comes to an end. But can you prevent your spouse from claiming a share of your inheritance in a divorce settlement? The answer depends on various factors, including how the inheritance is used, the…
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When it comes to retirement planning, how do you compare to the national average? According to the Pensions and Lifetime Savings Association (PLSA), a couple needs a net income of £30,600 per year (£36,200 in London) to enjoy a moderate standard of living in retirement. Yet, research suggests that only 42% of UK households are…
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The days of straightforward inheritance planning are long gone. With more people experiencing multiple marriages, blended families, and step-relatives, estate planning has become significantly more complex. What once seemed simple, leaving everything to your children, now requires careful thought to avoid unintended disputes and legal battles. The Risk of an Outdated Will Many assume that…
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