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Why retirees need to consider the effect of inflation on their long-term income
If you’re retired, understanding how inflation will affect your income now and in the future is important. Find out what steps you can take

Gary Lumb
Mar 23, 20224 min read


Your complete 2021/22 end of tax year guide
The 2021/22 tax year ends on Monday 5 April 2022. This is the date when many allowances reset, and it could be your last opportunity to...

Gary Lumb
Jan 20, 20221 min read


Investment market update: November 2021
A new variant of Covid-19, dubbed “Omicron”, is affecting some countries around the world, and it could lead to further restrictions in...

Gary Lumb
Dec 15, 20214 min read


How long could you pay your mortgage without an income?
When taking out a mortgage, you’ll go through affordability checks, and you may have reviewed your own budget. These will consider how...

Gary Lumb
Dec 15, 20214 min read


3 financial things to consider other than your salary when accepting a new job
The end of one year and the start of another is often a time to think about what you want to achieve and what’s important to you. So,...

Gary Lumb
Dec 15, 20214 min read


40% of people worry about Inheritance Tax, but only 7% seek advice
4 in 10 people are worrying about the impact Inheritance Tax (IHT) could have on the legacy they leave behind, according to Canada Life...

Gary Lumb
Dec 15, 20214 min read


Is rising inflation a wake-up call to review your savings?
You may have seen inflation in the headlines recently. While the cost of living rising is normal, the rate of inflation has increased...

Gary Lumb
Dec 15, 20213 min read


100 years of pension tax relief: Millions of high earners are still missing out
Pension tax relief has been boosting pension pots for 100 years. Over your working life, it’s an incentive that can add thousands of...

Gary Lumb
Dec 15, 20214 min read


Guide: Building a nest egg – How to create financial security for your children and grandchildren
As a parent or grandparent, you may be thinking about ways you can build a nest egg for children or grandchildren. It’s a step that can...

Gary Lumb
Dec 13, 20211 min read


Guide: 10 ways to lead a more sustainable life
Sustainability has become a key topic for governments, businesses and communities around the world. If you want to reduce the impact your...

Gary Lumb
Nov 10, 20211 min read


The complete guide for first-time buyers
Buying your first home can seem complicated. There’s a lot to think about and it’s a huge milestone. If you’re perplexed by the jargon or...

Gary Lumb
Oct 17, 20211 min read


Investment market update: August 2021
While economies continue to recover from the effects of the pandemic, there are signs that the pace of growth is beginning to slow....

Gary Lumb
Sep 22, 20214 min read


Income Tax doubles since 2000 – here are 2 allowances to help your money go further
The amount of Income Tax paid to HMRC has doubled since the turn of the millennium. With tax bands now frozen until 2026, more workers...

Gary Lumb
Sep 22, 20214 min read


Should you use savings to help children pay for university?
Over your child’s life, you may have built up a nest egg to give them a helping hand as they become independent. If they’re planning to...

Gary Lumb
Sep 22, 20213 min read


83% of parents are saving for their children in cash, but it might not be a good idea
The Independent reports that 76% of parents and guardians in the UK are saving money for their children under the age of 18. Helping your...

Gary Lumb
Sep 22, 20214 min read


When can you access your pension? It might be further away than you think
The age you can access defined contribution (DC) pensions is rising. Research suggests that many people are unaware of this, but it could...

Gary Lumb
Sep 22, 20213 min read


Has Covid-19 affected your pension? Here’s how to weigh up the impact and rebuild it
Lockdowns and restrictions have affected the financial security of millions of people. While the short-term impact has been the focus, it...

Gary Lumb
Sep 22, 20214 min read


Guide: Leaving an inheritance vs gifting during your lifetime
Have you thought about how you’ll pass wealth on to those who are important to you? Traditionally, this has been done through...

Gary Lumb
Sep 8, 20211 min read


The guide to later-life planning and care
When you think about your future, how far ahead do you plan? Perhaps you’ve thought about what your life will look like in 10 years, but...

Gary Lumb
Aug 19, 20211 min read


Guide: The history of investing and what you can learn from the past
Investing has been around for centuries and the basics haven’t changed as much as you might think. Technology has changed how we invest,...

Gary Lumb
Jun 28, 20211 min read
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