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  Guide: 5 essential steps to plan for a pension shortfall if you want to retire early

  Getting the most out of your retirement and reaching your goals requires careful planning. But as we all know, life doesn’t always go to plan. If you decide you want to retire sooner than originally planned – whether due to circumstances beyond your control, a health crisis, or a simple…

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  4 ways you could pass on wealth and protect your chosen family

  Estate planning isn’t always as straightforward as leaving everything to a spouse or direct descendant. In fact, many people in the UK are opting to leave some or all of their wealth to their “chosen family”. Research cited by Today’s Wills and Probate (29 January 2026) found that, of…

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  How ESG scoring works and why the ratings don’t always align

  ESG scoring could help you identify how to invest in a way that aligns with your values. However, it’s not always clear which option might suit your needs, as different systems can rank the same investment very differently. ESG investing means considering environmental, social, and governance factors when making investment…

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  The importance of managing your pension withdrawals to protect your retirement lifestyle

  Managing your pension doesn’t stop once you retire and start to draw an income from it. In fact, your pension still needs careful attention in retirement – just as much as when you were contributing – to ensure you don’t deplete it too quickly. Research suggests that many retirees aren’t…

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  How psychology might affect your view of cash and safety

  How your brain works can affect how you view wealth and different assets. For many, this can mean cash feels like a safer option than alternatives, but it’s not always the right one. Indeed, sometimes choosing to hold cash could mean you miss growth opportunities. 3 reasons why cash might…

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  5 ways a cashflow model could support your estate plan

  Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to tackle your estate plan. According to a survey conducted by…

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  What past market volatility has taught us about investor behaviour

  The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events have affected investor behaviour could be useful. At the end of February 2026, the US and Israel launched strikes on Iran, which…

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  Richard is among the UK’s Top Rated thanks to your reviews

  We’d like to say a huge thank you to all our clients for your ongoing support and the reviews you’ve left us on VouchedFor. Your reviews mean Richard is VouchedFor Top Rated. It’s a privilege to be included in VouchedFor’s Top Rated guide, which is published in the Times this…

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  Guide – SMART goals: 5 steps to effective financial planning

  Planning your finances without clear goals is like setting off in your car without a destination – you might be able to keep moving, but you can’t be sure you’re heading in the right direction. That’s why goal-setting is at the heart of effective financial planning. However, not all goals…

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  Why overlooking financial protection could put homeowners at risk

  Despite new homeowners worrying about losing their home if their income were to stop, only 15% prioritise taking out financial protection, according to a survey carried out by Vitality (22 January 2026). In fact, homeowners are far more likely to invest in making their new property feel like a home.

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  4 practical factors to consider before saving for retirement outside of a pension

  More than half of UK pension savers are also building up retirement savings outside their pension, according to a MoneyAge article (22 December 2025). As pensions provide some useful benefits when saving for retirement, these savers could be missing out. The survey found that people saving for…

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  Turning wealth into happiness: Why a plan makes a difference

  The saying “money can’t buy happiness” is true. Wealth doesn’t automatically mean you’ll be happier, but it could give you the freedom to focus on the things you enjoy and boost your wellbeing as a result. How you use money is just as important as having it when assessing whether…