Financial Planning
Capital Gains Tax in 2025: Are You Paying Too Much?
Are You Accidentally Giving HMRC a Bonus? You sold some shares. Or offloaded a rental. Nothing dramatic, just tidying up your finances. But thanks to the quiet Capital Gains Tax changes in 2025, that tidy-up might have cost you more than it should’ve. The allowance is down. Rates are up. And for many people, CGT […]
Posted in Financial Planning
Is Your Portfolio Ready for a High-Interest World?
It wasn’t that long ago that interest rates were barely a blip, close to zero and easy to ignore. Fast-forward to 2025 and the picture looks very different. Rates are now meaningfully higher, and although the Bank of England recently trimmed the base rate to 4.25%, it’s still a world apart from what we […]
Posted in Financial Planning, Investments
Why Relying on Just a Pension Might Not Cut It: The Case for a ‘Blended Retirement’
Putting all your eggs in one basket is never a good idea. The same goes for income. Relying on one type in retirement might feel like a simple idea, but it can leave you exposed. Markets fluctuate, tax rules change, and your spending needs will likely shift over time. That’s why more people are building […]
Posted in Financial Planning, Retirement Planning
Fixed or Tracker? Choosing the Right Mortgage in a Shifting Rate Environment
Which Mortgage Fits You Best? Let’s Break It Down Fixed rate or tracker, fixed rate or tracker, fixed rate or tracker? Is that what your brain sounds like right now? It really can feel like trying to make an impossible decision, especially when rates are still shifting around and advice seems to change every second. […]
Posted in Financial Planning, Mortgage
The Silent Wealth Killer: How Inflation Erodes Your Savings & What You Can Do About It
Inflation Isn’t Always Loud You might not feel it right away, but inflation has a sneaky way of eating into your money. One year, your weekly shop costs £70, the next it’s creeping toward £90. Same basket, less bang for your buck. It’s not a financial crash or a headline-making event, but over time, inflation […]
Posted in Financial Planning
Are You Making These 6 Financial Mistakes in 2025?
(Score Yourself and See) We all want to feel in control of our finances, but even the most switched-on people make money mistakes without realising. In 2025, with tax rules shifting, markets wobbling, and pensions facing new rules, it’s a great time for a personal finance check-in. Here’s how it works: Read each statement below. […]
Posted in Financial Planning
Trump’s Tariffs and Market Volatility: Why Multi-Asset Funds Still Win
Another Trump presidency. More talk of tariffs. And once again, investors are asking the big question: what does this mean for my money? The headlines are noisy, the market reactions are swift and while panic might feel like a natural response, it rarely leads to good outcomes. In times like these, calm and clarity win. […]
Posted in Financial Planning, Investments
How Global Events Could Impact Your Wealth This Year
We live in a world where everything is connected, and recent global events, like ongoing geopolitical tensions and the economic shifts after the 2024 elections, have made that clearer than ever. Things like inflation spikes, stock market swings, and changing government policies can all have a big impact on your finances, so staying informed is […]
Posted in Financial Planning
Should You Chase the Next Big Investment Trend?
Why Investors Chase Trends Cryptocurrency booms, meme stocks, AI-driven companies and green energy surges… what next? The investment world is full of buzzworthy trends, and the idea of jumping on a high-growth opportunity is appealing. The fear of missing out can drive investors to make impulsive decisions. But is following trends a reliable way to […]
Posted in Financial Planning, Investments
How Much You Really Need For A Comfortable Retirement
Your retirement should be a time of relaxation and enjoying the fruits of your labour from a lifetime of work. However, too many individuals underestimate how much is required for a comfortable retirement, or what is classed as a comfortable retirement in the first place. This article will explore the different levels of retirement and […]
Posted in Financial Planning, Retirement Planning