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:…
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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…
Read article You may have seen recent reports about changes to ISA rules. The Treasury has now confirmed a number of reforms that will affect how cash can be held within ISAs, particularly within Stocks and Shares ISAs and other investment-based ISA arrangements. While the final legislation is expected to be introduced following a short technical consultation…
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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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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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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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When people think about financial planning, they often think about investments, returns, and performance. But one of the most valuable, and often overlooked aspects of good financial advice is something far less technical: behavioural finance, and coaching around it. In simple terms, behavioural coaching is about helping you make better decisions with your money, especially…
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Financial wellness is often misunderstood. It’s easy to assume it means having a certain level of wealth, reaching a specific number, or achieving financial “success”. But in reality, financial wellness is far simpler, and far more personal than that. At its core, financial wellness is about feeling in control. It’s the confidence that your finances…
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When we think about protecting family wealth, our minds often jump to tax planning or investment strategy. But increasingly, one of the biggest risks to long-term wealth isn’t markets or legislation, it’s relationships. With an estimated £5.5 trillion set to pass between generations over the coming decades, more families are asking a difficult but important…
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