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Guide: Everything you need to know about annuities when creating a retirement income
When you retire, you will often have a range of choices available to you about how you access your pension. One such method is an...
Gary Lumb
Feb 28, 20241 min read


Guide: 7 allowances you might want to use before the end of the 2023/24 tax year
When a new tax year starts, many allowances reset. So, checking if you could make use of allowances before Friday 5 April 2024, when the...
Gary Lumb
Jan 23, 20241 min read


Guide: 10 incredible destinations to add to your bucket list
Seeing more of the world makes up many people’s bucket lists. Whether you want to be left in awe of natural sights, immerse yourself in a...
Gary Lumb
Dec 20, 20231 min read


Investment market update November 2023
While inflation is starting to ease in economies around the world, there are still signs of economic challenges ahead. Read on to find...
Gary Lumb
Dec 12, 20234 min read


IMF predicts interest rates squeezing mortgage holders won’t start to fall until 2028
After more than a decade of historically low interest rates, the Bank of England (BoE) has repeatedly raised the base rate since late...
Gary Lumb
Dec 12, 20233 min read


2 surprising benefits of choosing to drip-feed your investments
If you want to start investing or would like to boost an existing portfolio, your mind might turn to using a lump sum. However, there...
Gary Lumb
Dec 12, 20233 min read


5 useful gifting allowances that could help you pass on wealth tax-efficiently this Christmas
It’s the season for giving. This Christmas, you might be thinking about how you could improve the security of your loved ones by gifting...
Gary Lumb
Dec 12, 20234 min read


Cost vs value: What’s the difference when you’re making a financial plan?
When you’re making decisions, cost might be an important factor, but value could be just as crucial. Balancing cost and value in your...
Gary Lumb
Dec 12, 20234 min read


3 useful ways regular financial reviews could help you reduce behavioural bias
Financial reviews provide you with a chance to ensure your financial decisions continue to reflect your goals and circumstances, and to...
Gary Lumb
Dec 12, 20233 min read


Guide: 7 useful questions if you plan to take a flexible income from your pension
When you start to access your pension, how will you take an income? One of your options may be to withdraw a flexible income that suits...
Gary Lumb
Oct 12, 20231 min read


Investment market update: August 2023
Globally, signs suggest the pace of inflation is slowing. However, businesses in some sectors are struggling and weighing on economies....
Gary Lumb
Sep 12, 20234 min read


Why soaring interest rates are affecting national debt and could mean tax rises
High inflation and rising interest rates aren’t just affecting households, they’re affecting the UK’s public finances too. Forecasts...
Gary Lumb
Sep 12, 20234 min read


The 2023 parents’ essential guide to student loans
Heading to university is an exciting time for new students. As a parent, you may feel proud of your child’s achievements, but it’s normal...
Gary Lumb
Sep 12, 20234 min read


Report: 1 in 5 people will be living with a major illness in 2040
New research suggests more people will be living with a major illness in the future and it could place pressure on health services. It...
Gary Lumb
Sep 12, 20233 min read


7 practical reasons to make a Lasting Power of Attorney now
A Lasting Power of Attorney (LPA) could provide you with protection when you’re most vulnerable by giving someone you trust the ability...
Gary Lumb
Sep 12, 20233 min read


2 excellent ways you could boost your State Pension
While the State Pension may not be your main source of income in retirement, it’s often an important one. If you’re not on track to...
Gary Lumb
Sep 12, 20233 min read


Intergenerational wealth planning: Your options when passing on wealth to the next generation
Ensuring your family is financially secure for the long term is a common goal. If it’s one of your priorities, intergenerational wealth...
Gary Lumb
Aug 17, 20231 min read


Remortgaging: The essential steps you should take when your mortgage ends
If your mortgage deal is coming to an end or it’s already expired, you should consider remortgaging. This guide reveals the essential...
Gary Lumb
Jul 20, 20231 min read


Want to retire early? Financial planning could make it a reality
Retiring early is an aspiration for many workers looking forward to greater freedom. If early retirement is something you’re dreaming...
Gary Lumb
Jun 19, 20234 min read


Investment market update: May 2023
Economies and businesses still face challenges, but statistics indicate some of the pressure, including rising inflation, is starting to...
Gary Lumb
Jun 19, 20234 min read
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