Category Archivenews
Independent Financial Advisers
How to give gifts that could keep on giving – just like Christmas number ones
Savvy singers and songwriters can generate an annual income by releasing a Christmas hit. As you shop for loved ones, consider giving a gift that will continue to give value over time. Many Christmas songs are replayed every year. Indeed, songs you’ve listened to this year can evoke nostalgic childhood Christmas memories. For the artists […]
Phasing into retirement: 5 essential financial considerations
While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Read on to find out more about five key considerations. 1. Calculate if you’ll need to supplement your income While you might still earn a salary as you phase into retirement, if you’ve chosen to reduce your working hours […]
Your Autumn Budget update, and what it means for you
After months of speculation and rumour, chancellor Rachel Reeves has delivered the Autumn Budget for 2025. In this update, we’ll explain the key changes and what they mean for you. Last year, in her maiden Budget, the chancellor sought to balance the public finances with tax rises to cover a reported £22 billion black hole. […]
How you could use framing bias to your advantage
When you consider how bias might affect your financial decisions, it’s often the harmful outcomes that come to mind. However, there are ways you can leverage certain biases, including framing bias, to your advantage. Framing bias refers to the tendency for how information is presented to influence your perception or decisions. For instance, if you […]
How the benefits of your financial plan go beyond you to your family
A financial plan is rarely focused solely on the person making it. For many, a successful plan also benefits their family. When setting out your goals as part of your financial plan, your family might feature in them. Perhaps you want your retirement income to be enough so that you can treat them to an […]
How financial planning could give you the confidence to spend more
The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins. As you get older, this extends into saving for university, saving up for a house, saving for retirement, and so on. But what […]
Investment market update: October 2025
October 2025 proved to be a positive month for many investors, with markets reaching record highs. Read on to find out more about what factors may have affected your portfolio’s performance. Remember to take a long-term view when assessing your investments and consider your risk profile when making decisions. Markets experienced record highs, but investor […]
The difficult but important estate planning conversations to have with your family
An estate plan sets out how you’d like your assets to be managed and distributed during your life and when you pass away. It often involves thinking about difficult topics, such as your funeral preferences or who you’d like to receive heirloom possessions. Once you’ve created an estate plan, it can be tempting to put […]
Phasing into retirement: The emotional and financial benefits
Last month, you read about how retirement is changing, with almost half of workers aged over 50 exploring phasing into retirement. There are plenty of reasons why more people are considering a gradual retirement, including the emotional and financial benefits this option could offer. A gradual retirement could help you retain a sense of purpose […]
Investment market update: September 2025
There were ups and downs for investors during September 2025, with disappointing economic data dampening the market at times. However, some positive outcomes also emerged. Read on to find out what might have influenced your investment portfolio’s recent performance. Investors turn to gold as market uncertainty continues in September 2025 The price of gold reached […]