Author: Richard Fearn
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Guide: How financial planning could help you answer essential “what if?” questions
Financial planning is all about helping you to reach your life goals. Ultimately, the objective is for your wealth to allow you to achieve all the things you want to do now and in the future. That might be as simple as being able to relax…
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Why you should make registering a Lasting Power of Attorney a priority
Data released by Scotland’s largest health board has highlighted the potential challenges families could face if a loved one doesn’t have a Power of Attorney in place. According to a BBC report, in NHS Greater Glasgow and Clyde, a third of patients who are delayed getting out…
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Majority of parents worry about critical illnesses. Here’s how financial protection could help
As a parent, it’s natural to think about the health of your loved ones. Yet, these types of concerns can weigh on your mind and might mean you’re unable to focus on the positives or enjoy your time together. One step that may offer peace of mind is to consider…
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5 strategies that could help you avoid running out of money in retirement
Worrying about your finances in retirement could dampen your excitement as you start the next chapter of your life. As you’ll often be responsible for generating your own income once you give up work, it’s not surprising that a February 2025 report from Which? revealed half of…
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How much do you need to be “wealthy”?
Wealth is often associated with financial abundance. However, when you look at the things that bring you joy and give you purpose, it might not be the value of your assets. Indeed, a February 2025 report from HSBC suggests the younger generation is less likely to define…
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Half of adults reconsidering their retirement plans ahead of 2027 Inheritance Tax changes
An incoming change to the way pensions will be taxed when they’re inherited might mean you’re rethinking how you use your pension. Before you dive into updating your retirement plan, it’s important to understand what the changes could mean for you and how to balance passing on wealth with your…
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Why an effective financial plan might involve spending more
When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more. It can be difficult to get your head around. After all, as a child, you’re often taught that…
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Your Spring Statement update – the key news from the chancellor’s speech
After Rachel Reeves’ impactful first Budget in autumn 2024, you might have been concerned about the announcements that would be included in her Spring Statement on 26 March 2025. Reassuringly, the major headline from this year’s springtime fiscal event is that Reeves made few announcements that are likely to affect…
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Guide: The home movers guide to mortgages
Whether you’re just exploring your options or already have a property earmarked for your next move, there are some important things to consider when it comes to buying your next home. The housing market and mortgage landscape may have changed in the years since you bought…
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Average Brit takes risk by delaying life insurance decision by 10 months
While it’s important to weigh up your options before making financial decisions, a study suggests families are leaving themselves open to risk because they delay making a judgement about life insurance. According to a January 2025 report from the Post Office, the average Brit takes more than…
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Why locking in a new mortgage deal could save you money
Even if your current mortgage deal doesn’t expire for a few months, searching the market now could be worthwhile and might even save you money. You can usually lock in a new mortgage deal up to six months before your existing one ends. While it might seem like a non-essential…
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How to practice mindfulness when managing your money
How you approach managing your finances could affect your ability to reach long-term goals. The Japanese spending philosophy “kakeibo” could help you practice financial mindfulness and get more out of your assets. Spending money without thinking about how it’ll affect your long-term finances could mean you miss opportunities to secure…