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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


As interest rates soar, should you remortgage your home in 2023?
Interest rates have increased over the last year as the Bank of England (BoE) tries to slow the pace of inflation. If your current...

Gary Lumb
Jun 19, 20233 min read


5 compelling non-financial reasons to work with a financial planner now
When you first seek financial advice, your goal may be to grow your wealth or make the most of tax-efficient allowances. A financial...

Gary Lumb
Jun 19, 20233 min read


4 essential estate planning steps you should take if your family is blended
If you’re part of a blended family, it can make some decisions more complex, especially when you start to consider how to pass on wealth...

Gary Lumb
Jun 19, 20234 min read


Pensions v ISAs: Tax relief makes a huge difference to your calculations
When you’re saving for long-term goals, choosing the right place to put your money is crucial. It could mean you have far more financial...

Gary Lumb
Jun 19, 20234 min read


Guide: How to manage the harmful effects of inflation on your wealth
For the last year, inflation has been high. If you’re worried about the effects of the rising cost of living, this guide could help you....

Gary Lumb
Jun 15, 20231 min read


Your guide to pension consolidation: The pros and cons you need to know
Do you have multiple pensions? It could make it difficult to manage your pension savings during your working life and when you retire. In...

Gary Lumb
Mar 20, 20231 min read


Investment market update: February 2023
Statistics suggest that some of the pressures facing economies, such as high inflation and recession concerns, are starting to ease....

Gary Lumb
Mar 16, 20234 min read
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