Time passes quickly, and before you know it, your child has gone from taking their first steps or saying their first words to starting school. You’ll want to do all you can to set them up for a successful future, but it can be challenging to know where to begin. You might need to prepare […]
Ongoing conflict in the Middle East and investor concerns that technology companies are overvalued continued to affect market performance. Read on to find out how these factors and others may have impacted your investment portfolio in July 2026. When investing, you should remember that the value of your investments (and any income from them) can […]
Gifting assets during your lifetime has become a common strategy for reducing a potential Inheritance Tax (IHT) bill. Indeed, according to Paragon Bank (31 July 2025), 1 in 5 savers aged over 65 are passing on cash for this reason. Yet, gifting doesn’t always mean that assets are excluded from your estate when calculating IHT, […]
Selling your business is often a goal you’ve been working towards for years. But viewing it as the finish line, rather than the start of a new journey, could lead you to overlook steps that make the next chapter of your life more enjoyable. Entrepreneurs often find that their personal goals and finances become entwined […]
Key changes are being made to ISAs in April 2027, and they could affect how you use the tax-efficient wrapper. You might have read in the news or heard that the ISA allowance is being cut or that tax will now apply to cash savings. While there is some truth in these statements, without further […]
As a business owner, you might neglect your personal finances because you’re focused on those of your company. Your business may be among your largest financial assets, but it is important to remember that your personal finances exist separately. Taking time to review your own financial plans can help you make more informed decisions and […]
A cashflow model isn’t a one-off exercise. If you want to use it to inform your financial decisions, regular updates are essential. A cashflow model is a visual representation of your wealth and how it might change in the future. While the result cannot be guaranteed, it could be a useful tool that helps inform […]
Investing in buy-to-let property can provide a steady rental income, helping supplement your retirement fund or form part of the legacy you leave for loved ones. Statistics published by the government (29 August 2025) confirm that there were around 2.86 million private landlords in the UK in 2023/24. Since then, the property landscape has changed, […]
According to the Organisation for Economic Co-operation and Development (OECD), a global recession could occur if the conflict in Iran continued into 2027. The organisation warned that delays in agreeing a peace deal would affect global growth and cause energy shortages. Indeed, the OECD said in a scenario where the conflict continues into 2027, global […]
Preparing to buy your second home might feel just as daunting as being a first-time buyer. You’ll often be juggling Preparing to buy your second home might feel just as daunting as being a first-time buyer. You’ll often be juggling selling your existing home and searching for a new property at the same time. If […]
