When we meet new clients, one theme comes up time and time again — not a lack of money, but a lack of confidence to spend it. Despite years of saving, investing, and making sensible financial decisions, many people still hesitate when it comes to enjoying their wealth. The question quietly sits in the background:…
Read article We have met a significant number of new clients recently who have come to us after previously putting in place trust planning to protect their homes against care home fees – often marketed via seminars. Consequently, clients believe that they have protected their largest asset. However, the situation is often more complicated than this, with…
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Gifting money or assets to family and friends is something many people do with the best of intentions. Whether it’s helping children onto the property ladder or supporting loved ones day-to-day, it can feel like a positive and straightforward decision. However, recent research from Canada Life suggests there’s a potential issue many people aren’t aware…
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Inheritance Tax (IHT) continues to make headlines – but not because of dramatic rule changes. Instead, it’s steadily creeping up on more families each year. Latest figures show IHT receipts have reached £8.5bn for the 2025/26 tax year, a rise on the previous year and part of a long-term upward trend. What’s driving this isn’t…
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When markets are performing well, it is perfectly natural for investors to look at the latest “best-performing funds” tables and wonder whether they should switch into the current winners. After all, if a fund has delivered exceptional returns over the last year, surely that success is likely to continue? In reality, the evidence suggests the…
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Over the years, investors have often heard the phrase “it’s time in the market, not timing the market.” While markets can feel unpredictable in the short term, history shows that patience has generally been one of the most rewarding investment strategies. Looking at broad UK stock market data over many decades, the odds of achieving…
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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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