Author: Richard Fearn
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How a protection gap could leave older workers facing financial challenges
Older workers could find they’re more exposed to financial shocks because financial protection doesn’t meet their needs. Read on to find out if a protection gap might affect you and how you could close it. There are several different types of financial protection, which would pay out a lump sum…
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The decumulation dilemmas you might need to overcome when you retire
One of the retirement challenges many people face is how to handle wealth decumulation. During your working life, you’re typically working to increase your wealth, and this usually shifts as you enter retirement. So, if you’re retired or are nearing the milestone, read on to find out more about decumulation…
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Unsure how to access your pension at retirement? Here’s what you need to know
It’s been a decade since Pension Freedoms legislation gave retirees more choice. Yet rather than relishing the freedom the changes have provided, research suggests workers are approaching retirement unsure about the decisions they need to make. Data published by PensionsAge in June 2025 suggests that only 47%…
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The power of visualising your wealth: From cloth to cashflow modelling
Understanding where your wealth is coming from and how you’re using it could help you make more informed decisions. However, as so many assets are intangible, having a clear picture of your wealth can be difficult. Finding ways to visualise all your assets is often useful, and something people have…
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How to remain calm amid Autumn Budget speculation
The importance of remaining calm is often something that’s talked about when discussing investment market volatility. But there are other factors outside of your control that might lead to emotional decision-making, including uncertainty about the upcoming Autumn Budget. Chancellor Rachel Reeves is expected to deliver an Autumn Budget at the…
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Guide: Planning for a longer life: Wellbeing tips and financial management strategies
Average life expectancies have increased significantly in recent years, both in the UK and the rest of the world. While people living longer is always good news, it also brings new challenges for your health and, crucially, your finances. Maintaining your physical and mental wellbeing over a longer life requires…
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The pros and cons of choosing a shorter mortgage term
One of the key factors that affects your finances when taking out a mortgage is the term you choose. Read on to find out the benefits and drawbacks of choosing a shorter mortgage term. “Mortgage term” simply refers to the length of time that you’ll repay the debt over. Traditionally,…
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5 valuable reasons to consult a solicitor when writing your will
Writing your will should give you confidence that your assets will be distributed in line with your wishes when you pass away. Yet, for an increasing number of people, this might not be the case as they overlook the value of working with a professional. You don’t need to use…
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Why you don’t need to experience a financial shock to benefit from a safety net
You might think of a financial safety net as something only useful when you face a shock, like an unexpected bill or being unable to earn an income. However, when you look at the wellbeing benefits, you might be surprised by how valuable it is even when your plans are…
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5 powerful Warren Buffett lessons that could benefit ordinary investors
After more than five decades at the helm of Berkshire Hathaway, legendary investor Warren Buffett has announced he’s retiring at the age of 94. He’s credited with turning the failing textile maker into a successful holding company. In May 2025, the BBC estimated Berkshire Hathaway was worth…
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How to prepare your loved ones for the “great wealth transfer”
Passing on your wealth to loved ones could transform their lives and mean they have more opportunities in the future. However, to get the most out of the “great wealth transfer”, younger generations need to be prepared to manage their inheritance. According to September 2024 data from…
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10 adrenaline-fueled adventures you can have in the UK
Your favourite summer activity might be relaxing in the gorgeous sunshine, but it is also the perfect time of year to embark on an adventure. From zip lines to abseiling into caves, the UK boasts an endless number of extreme sports and thrilling activities. If you’re looking for a fun…