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Should you choose a Cash or Stocks and Shares Junior ISA for your child?
A Junior ISA (JISA) is often an effective way for parents to start putting money aside for their children to help them reach their goals...

Gary Lumb
Jun 25, 20254 min read


Why defining “financial freedom” could help you achieve it
Achieving “financial freedom” is an aspiration many people have. Yet, it can mean different things to each person and is influenced by...

Gary Lumb
Jun 25, 20254 min read


Financial protection: 3 useful questions to help you calculate appropriate cover
Financial protection may provide you or your loved ones with a financial injection when you need it most. Calculating what level of cover...

Gary Lumb
Jun 25, 20253 min read


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...

Gary Lumb
May 22, 20252 min read


Guide: How financial planning could help you answer essential “what if?” questions
If you’re worried about what the future holds for your finances, financial planning and cashflow modelling could help you answer “what if?” questions. This useful guide explains how it works and why it could boost your long-term confidence.

Gary Lumb
Apr 25, 20252 min read


Thinking about investing in crypto? You need to be aware of these signs of a scam
As some cryptocurrencies have delivered large returns in the past, you may be more likely to overlook red flags when you’re assessing an...

Gary Lumb
Mar 14, 20255 min read


How financial planning could help you overcome decision paralysis
How long do you leave essential tasks on your to-do list? If you’ve put off tasks because they feel overwhelming, you’re not alone, but...

Gary Lumb
Mar 14, 20254 min read


Investment market update: February 2025
After reading headlines throughout February, you might be expecting a gloomy investment outlook. Yet, despite threats of trade wars and...

Gary Lumb
Mar 14, 20255 min read


Average Brit takes risk by delaying life insurance decision by 10 months
While it’s important to weigh up your options before making financial decisions, a study suggests families are leaving themselves open to...

Gary Lumb
Mar 14, 20254 min read


The potential perils of accessing your pension at 55
Reaching the minimum pension age and being able to access your retirement savings might mean new possibilities opening up. You may start...

Gary Lumb
Mar 14, 20254 min read


Why ongoing financial advice could ease your mental load
Even if you feel comfortable managing your finances, sometimes the mental load of doing so could mean you don’t enjoy the things that are im

Gary Lumb
Mar 14, 20254 min read


Guide: 5 key financial planning steps to consider during a divorce
A relationship breaking down can be incredibly emotionally challenging, and it may have a significant effect on your short- and long-term fi

Gary Lumb
Jan 21, 20251 min read


Financial fears could be holding back millions of retirement dreams
Research suggests the fear of running out of money later in life could be holding back millions of retirees. While spending too much too...

Gary Lumb
Dec 10, 20244 min read


The key Autumn Budget takeaways business owners should be aware of
As a business owner, the Autumn Budget delivered at the end of October 2024 could affect both your business and personal finances. Read...

Gary Lumb
Dec 10, 20244 min read


Research: The perils of chasing stock market “winners”
Following the stocks and shares that have experienced impressive returns can seem like fun and a way to make the most out of your...

Gary Lumb
Dec 10, 20244 min read


The pros and cons of choosing joint life insurance
If you and your partner are considering taking out life insurance, one question you may want to answer is: Would single or joint life...

Gary Lumb
Dec 10, 20243 min read


Investment market update: November 2024
On 5 November 2024, US citizens voted for their next president, and the election had a knock-on effect on investment markets and business...

Gary Lumb
Dec 10, 20245 min read


3 insightful reasons why setting goals may reduce financial bias
Subconscious bias can affect your financial decisions. They might mean you make decisions that aren’t right for you. Setting a goal could...

Gary Lumb
Dec 10, 20243 min read


Your Autumn Budget update – the key news from the chancellor’s statement
Almost four months after Labour won the general election, chancellor Rachel Reeves has delivered her 2024 Autumn Budget, outlining the...

Gary Lumb
Oct 30, 20247 min read


74% of financial advice from social media leads to an “undesired outcome”
There’s an abundance of unregulated financial advice available, and research suggests it could harm your security and long-term plans....

Gary Lumb
Sep 11, 20243 min read
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