Pension Death Benefits
Why You Should Check Your Pension Death Benefit Nomination Before April 2027 When was the last time you checked who would receive your pension if you died? For many people, the answer is: “when I first joined the scheme”, which might have been decades ago. Yet your pension death benefit nomination (sometimes called an Expression […]
Summer Financial Checklist
Seven jobs to tick off before summer ends Nothing urgent, just some admin that’s typically easy to let slide. With the checklist below, and ~25 minutes of your time, you should be all set. 01. Review your Will Things change all the time, and it’s important to ensure your Will stays up to date. If yours […]
The £92 form that can change your life.
Whatever your circumstances, this is one of the most important legal documents you may ever put in place. A Lasting Power of Attorney (LPA) grants authority to somebody you trust to make decisions on your behalf if you lose mental capacity in the future. These decisions can relate to your finances, property, health, and welfare. The Two Types […]
What I Wish Someone Had Told Me Before Buying My First Home
The stuff the glossy guides leave out, from solicitors to toilet brushes! Buying your first home is brilliant. It’s also, frankly, a bit of a nightmare. The process is opaque, the jargon is relentless, and everyone seems to assume you already know what an “exchange” is. You don’t. That’s fine. Here are the things that […]
IRAN CONFLICT: TURMOIL IN THE MIDDLE EAST, BUT NOT IN YOUR PORTFOLIO
On 28th February 2026, tensions in the Middle East escalated sharply. Our thoughts are first and foremost for the human impact of these events. However, in this note, we will focus on potential ramifications for client portfolios, where the impact on diversified portfolios has so far been limited. Context: Israel, with support from the […]
Digital Vulnerability Check
Check Your Digital Vulnerability Our Commitment As part of our ongoing commitment to protecting you from foreseeable financial risks, we’re sharing a short resource that many clients find helpful. While we regularly review your financial plans and investments, there’s another area that increasingly impacts personal wealth: digital security. Email scams, impersonation attempts, and online […]
How to Budget
January: January always hits differently. The decorations are down, the credit card statement is up, and after the long, wallet-stretching wait for payday post-Christmas, many of us are asking the same question: where did December’s money actually go? January is an opportune moment to reset. Not in a joy-killing, spreadsheet-obsessed way (well, maybe kind-of) but […]
The Art of the Pause
The Art of the Pause A Quiet Reset for Life and Money There’s a moment every year, often somewhere between the slowing of December and the soft reset of January, where life naturally invites us to pause. Not the dramatic kind of pause that comes with big change or crisis, but the quieter one we […]
Don’t leave it too late
This isn’t easy to read – But it could save your family heartbreak I’ve always known why I do what I do. Financial planning isn’t just my profession it’s a calling born out of painful, life-changing experiences. It has probably been what has got me through tough times, to know I can use what was […]
Par for the course: Why Market Volatility is Nothing New
Lately, we’ve had some questions from clients wondering, is now the time to reduce risk? Should I sell some shares to sell off equities or sit tight and wait for a correction? It’s a reasonable concern. The headlines are full of it – talk of tech bubbles, stretched valuations, and predictions that the rally can’t […]
Golf, Goals, and Financial Planning
Listening to clients and weekend chats One of the best parts of my job is getting to sit down with clients and hear their stories – where they’ve been, what they’ve been up to and most importantly what their ambitions and goals are in life. Like most people, there’s usually a standard question that gets […]
What You Need to Know About Critical Illness Cover
Q&A: What You Need to Know About Critical Illness Cover Q: What is critical illness cover, and why does it matter?A: Critical illness cover is a type of insurance. It gives you a one-off, tax-free payment if you’re diagnosed with a serious illness like cancer, a stroke, or a heart attack. It helps cover major […]