As our clients progress through their financial lives, we see a consistent trend. Thoughts tend to move from thinking about the “here and now” to a much greater focus on the future. While the age at which this happens varies from client to client, retirement coming on...

Experience in the life assurance industry shows that most life assurance policies are taken out by people in their 30’s, 40’s and to a lesser extent in their 50’s. There is a very low uptake of life assurance by people in their 20’s who simply think they don't need...

The word retirement conjures up different thoughts for each of us. Some think of growing old, others think of enjoying life in the sun. Some people think of the need to save money in pensions, others think of finally having that freedom from work and...

The most famous of all investors, Warren Buffett once said, “People seeking riches never have enough. Wealth is a state of mind. Wealthy people always have enough.” To him, riches are a monetary amount and never satisfy you. On the other hand, wealth is a...

OK, we don’t want to blow our own trumpets, but we got access to some research recently that was simply too good not to share the key findings with you. The research titled “The value of financial planning” was carried out by the Financial Planning...

As 2024 swings around, we’re all receiving a constant stream of forecasts and predictions for the year ahead. We’re not going to add to them. At the end of the day, we don’t add any value by making bold guesses about the future, because our crystal ball is...

The cost-of-living crisis is starting to bite for lots of people, with the return of inflation and increasing interest rates hitting people hard in their wallets. So reducing expenditure will be an important element of financial planning for many families...

So here we are again, digging around for eligible receipts to reduce our upcoming tax bill. Sometimes in the rush to complete the tax return on time, valuable tax-saving opportunities are missed. So here are a few ways for you to reduce your upcoming...

Picture the scene – I hope it applies to you today or in the not-too-distant future… You’ve got to that point in your financial life where life is getting easier. Maybe the mortgage is paid off or almost there, and you are finally seeing your savings grow...

Money management is a crucial skill that every child should learn at an early age. Learning how to manage finances is not just about budgeting and saving, but it’s also about building a healthy relationship with money. As parents, it’s our responsibility...