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How to give gifts that could keep on giving – just like Christmas number ones
Savvy singers and songwriters can generate an annual income by putting out a Christmas hit. As you shop for loved ones, you might want to think about how you can give a gift that could keep on giving too.

Gary Lumb
Dec 16, 20254 min read


5 interesting insights from the investment market in 2025
The last 12 months have been interesting for investors, with the market experiencing volatility. Discover some valuable insights from 2025.

Gary Lumb
Dec 16, 20253 min read


Explained: The new Cash ISA rules and what they mean for your savings
If you’re under 65, the amount you can add to a Cash ISA each tax year will fall from £20,000 to £12,000 from April 2027. Find out what you need to know about the new Cash ISA rules and how they could affect your savings.

Gary Lumb
Dec 16, 20253 min read


How cashflow planning turns numbers into possibilities
When you’re making financial decisions, it can feel like you’re faced with indecipherable numbers. You might know how much you have in your bank account or pension, but what does the figure mean for your future? Cashflow planning can turn the numbers into possibilities.

Gary Lumb
Dec 16, 20253 min read


Phasing into retirement: 5 essential financial considerations
While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Find out more about five key considerations, like whether you should defer your State Pension or supplement your salary.

Gary Lumb
Dec 16, 20254 min read


Your Autumn Budget update, and what it means for you
The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

Gary Lumb
Nov 27, 20257 min read


Guide: Everything you need to know about the State Pension
Having a stable income when you retire could give you the independence to enjoy a meaningful and fulfilling life after work. Indeed, a July 2023 survey by Legal & General found that 94% of UK adults said that financial security was their most important retirement dream. Your State Pension, along with other savings and investments, could provide the stability you need to support the retirement lifestyle you want. However, there is a worrying lack of understanding about the St

Gary Lumb
Oct 27, 20251 min read


Guide: 12 practical reasons to write a will and name a Lasting Power of Attorney
Thinking about what might happen after you die isn’t easy. It’s hard to imagine the world simply continuing. That’s likely one reason why...

Gary Lumb
Sep 29, 20252 min read


The 3 steps to achieving financial wellbeing
A financial plan could improve your long-term wellbeing and help you live the life you want. Read about three key steps towards creating a financial plan, and why beginning with what brings you joy and meaning can lead to better outcomes.

Gary Lumb
Sep 24, 20253 min read


Investment market update: August 2025
While global government policy – particularly US trade tariffs – continued to influence the value of investments in August 2025, many markets experienced less volatility compared to the start of the year. Find out what factors may have affected the performance of your investments recently.

Gary Lumb
Sep 24, 20255 min read


What could a Labour wealth tax look like?
Chancellor Rachel Reeves is facing some difficult decisions ahead of the Autumn Budget, and one option that’s reportedly under consideration is a wealth tax. Find out how a wealth tax could work in the UK.

Gary Lumb
Sep 24, 20253 min read


How pension and Inheritance Tax policy changes could affect your legacy
From April 2027, pensions are expected to fall within your estate and could be liable for Inheritance Tax (IHT). That date might seem far...

Gary Lumb
Sep 24, 20254 min read


5 challenges a financial midlife MOT could help you overcome
Your midlife can be an exciting time. It might also present some new challenges, such as retirement planning with a partner or supporting elderly relatives. Arranging a financial midlife MOT could help you overcome obstacles and feel more confident as you prepare for the next chapter.

Gary Lumb
Sep 24, 20254 min read


How behavioural bias could affect your view of existing investments
When you make investment decisions, you know they should be based on data, logic, and careful analysis. Yet, the choices you make are often influenced by behavioural biases, and these psychological tendencies could even cloud how you view and manage existing investments.

Gary Lumb
Sep 24, 20253 min read


Guide: Revealed: The value of financial planning
Financial planning can add real value to your life, helping you achieve your goals and enjoy the lifestyle you want. When you think about...

Gary Lumb
Aug 27, 20251 min read


Guide: Planning for a longer life: Wellbeing tips and financial management strategies
Rising life expectancy could present people today with both health and financial challenges. This practical guide offers some wellbeing tips that could help readers enjoy their later years.
It also explores how living for longer might affect long-term financial plans, such as more people choosing to work for longer and the need to consider potential care costs.

Gary Lumb
Jul 30, 20252 min read


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...

Gary Lumb
Jun 27, 20252 min read


4 steps that could recession-proof your retirement
If you’ve been keeping up with the news recently, you’ll likely know that global economic growth is under increasing pressure. In...

Gary Lumb
Jun 25, 20254 min read


Investment market update: May 2025
Uncertainty continued to lead to market volatility in May 2025. However, there was some good news for investors as some markets recovered...

Gary Lumb
Jun 25, 20256 min read


How to use the “gifting from income” rule to reduce your estate’s Inheritance Tax bill
According to a Citywire report, forecasts from the Office for Budget Responsibility (OBR) suggest the amount of Inheritance Tax (IHT)...

Gary Lumb
Jun 25, 20255 min read
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