How to protect yourself from investment scams in 2025
Investment scams are, unfortunately, on the rise in the UK, making it more important than ever to protect your hard-earned money. The digital age has brought plenty of opportunities to savers and investors, but it has also equipped scammers and fraudsters with a slew of new tools and tactics, and they often blur the line […]
What exactly is financial independence? How to define your path to financial freedom
Your definition of financial freedom might not be the same as the definition held by your neighbour, coworker, or family member. Broadly, the consensus is that being “financially free” means being able to live the life you desire, without carrying the burden of financial stress. It’s important to note that achieving financial freedom can require […]
From dot-com dreams to digital realities: How 25 years of tech evolution have transformed money management
Just 25 years ago, the world of technology was a wild frontier. The internet, particularly, was brimming with possibilities. Investors jumped on the bandwagon, creating what was known as the “dot-com bubble” – an over-inflated technology industry. This bubble burst, as many eventually do, triggering a significant downturn in global stock markets as high-value shares […]
Guide: Planning for a longer life: Wellbeing tips and financial management strategies
Average life expectancies have increased significantly in recent years, both in the UK and the rest of the world. While people living longer is always good news, it also brings new challenges for your health and, crucially, your finances. Maintaining your physical and mental wellbeing over a longer life requires more than just good luck. […]
What the Back to the Future ripple effect could teach you about financial planning
It’s been 40 years since Back to the Future delighted cinema-goers with its time-travelling adventure. Teenager Marty McFly discovers the power of the “ripple effect”, and it’s something that could be valuable when you’re creating a financial plan as well. One of the plot devices in Back to the Future is the ripple effect – […]
Guide: The compounding effect: How it could boost or harm your finances
When a 1920s ad referred to compound interest as “the eighth wonder of the world”, the quote was left unattributed. But that didn’t stop it from becoming synonymous with the celebrated physicist, Albert Einstein. The link was likely intended to lend credibility to a statement that at first glance seems bold. And yet, compounding could […]
How your definition of “wealth” affects your financial behaviours
The word “wealth” might conjure up visions of overflowing bank accounts, sprawling properties, and luxury goods. This somewhat traditional view associates wealth with financial assets, income, and material possessions. While achieving financial security is undoubtedly important, limiting your understanding of wealth to material gain can have significant consequences for your financial behaviours and overall wellbeing. […]
Could “salary sacrifice” benefit both your employees and your business?
In today’s competitive economic landscape, finding strategies that benefit both your bottom line and your employees’ wellbeing is key to a thriving business. You could now be particularly worried about cutting costs while keeping employees happy, considering the increase to employer National Insurance contributions (NICs) on 6 April 2025. One powerful tool to consider is […]
Guide: How financial planning could help you answer essential “what if?” questions
Financial planning is all about helping you to reach your life goals. Ultimately, the objective is for your wealth to allow you to achieve all the things you want to do now and in the future. That might be as simple as being able to relax and enjoy a comfortable retirement or helping your children […]
What is a “Bed and ISA” strategy and how could it reduce your tax bill?
With the start of the new tax year behind us, now is a good time to consider how you could make your investments work harder and more efficiently for you. After all, tax-efficient investing is a core part of building long-term wealth and maximising your potential for returns. That’s why understanding and making use of […]
