If you’re looking for a low-risk way to save money – with a bit of excitement thrown in – Premium Bonds might sound like a winner. They’ve been around since 1956 and are still one of the UK’s most popular savings products. But are they really a good investment, or just a government-endorsed lottery in…
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The short answer? Sooner than you think. Legacy isn’t just something you consider later in life, it’s the result of years of planning, intention, and consistent action. Whether it’s protecting family wealth, supporting causes close to your heart, or setting the next generation up for success, the decisions you make today shape what you leave…
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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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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 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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Individual Savings Accounts (ISAs) have been a staple of tax-efficient investing for over two decades. Offering tax-free growth and withdrawals, ISAs allow individuals to invest up to £20,000 per tax year, making them an essential part of a well-rounded financial plan. Use It or Lose It Unlike pension allowances, ISA allowances do not roll over.…
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Children are expensive, with research showing that the average child now costs nearly £250,000 from birth to their 18th birthday. Their wants and needs are satisfied more inexpensively when young. But when they get to their late teens and early twenties those ‘must-haves’ – the first car, the University education and even a deposit on…
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In today’s fast-paced world, prioritising health and wellbeing has never been more important. For those seeking a comprehensive yet convenient way to monitor and improve their wellness, the Oura Ring offers a cutting-edge solution. Combining sleek design with advanced technology, this smart ring has become a trusted tool for health-conscious individuals worldwide. What is the…
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