News

We believe the best way we can help the happiness and financial health of our clients is by helping them to create a plan focused on their life goals. A recent survey by psychologist Robert Epstein found that 25% of our happiness hinges on how well we’re able to...

A common question from our clients: If I give money to my children, will they be taxed on it? There is a misconception that you cannot give more than £3,000 in any tax year, but this is not the case. The fact is you can give any amount without triggering any kind of...

Clients ask us a variety of questions about pensions and quite right too. The decision to retire is one of the biggest life changes we experience bringing feelings that range from excitement to uncertainty. We also move from a position saving for the future, to...

This question comes up time and time again and it is hardly surprising because the government continue to tinker with the rules. Generally speaking, the rules on death benefits are improving and the diagram below displays the current position. Of course we fully...

Millions of pounds still sit inside cash ISAs earning poor rates of return and this situation is unlikely to change in the foreseeable future. The question is, was it a mistake by investing in the first place? The answer in many cases is no. The reason is having the...

Research shows that those taking financial advice are on average £40,000 better off compared to those not taking advice. The International Longevity Centre and Royal London looked at the impact of taking professional advice on the finances of various defined groups of...

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company pension scheme. For most people now, this route simply doesn’t exist. Saving for a “pension” can mean a multitude of...