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  5 important questions to answer if you’re jointly buying a home

  Buying a new home with someone is exciting, and answering these questions could help ensure you’re on the same page about your mortgage and ownership. According to an article in Estate Agent Today (24 January 2026), in 2024, 53% of first-time buyers applied for a joint mortgage.

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  Only 19% of adults are prepared for health and financial shocks

  Fewer than 1 in 5 UK adults are “adequately” protected from health and financial shocks, according to Cover Magazine (4 March 2026). This means families could be more vulnerable to shocks and face the consequences of being unable to meet financial commitments. A financial or health shock…

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  Are you supporting a loved one? You might need a Lasting Power of Attorney to act

  Millions of well-intentioned people in the UK are helping their loved ones manage their online financial accounts, but could risk having these accounts frozen because they don’t have a Lasting Power of Attorney (LPA) in place. Lloyds’s 2024 Consumer Digital Index (3 November 2025) suggests 1 in…

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  How the value of your estate affects a key Inheritance Tax allowance

  Inheritance Tax (IHT) is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax liability. Each year, the amount of IHT paid to HMRC is increasing. By 2030/31, the Office for Budget Responsibility (February 2026) forecasts that IHT receipts…

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  Powerful reasons to plan how to use your 2026/27 allowances and exemptions now

  The 2026/27 tax year started on 6 April 2026. While you have until 5 April 2027 to use tax-efficient allowances and exemptions, making a plan now could be valuable. Here are four powerful reasons to consider your tax strategy for the current tax year. Avoid last-minute stress as the end…

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  Wealth v strategy: Why a financial plan is essential

  Building wealth without a financial plan may be like searching for a destination without a map. You might miss the most efficient route, take an unnecessary detour, or miss your intended target altogether. A clear plan could be essential for helping you reach your goals. If you’re simply accumulating wealth,…

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  Guide: How to plan for a 100-year life

  The number of people celebrating their 100th birthday in the UK is on the rise. As life expectancy continues to increase, it is more important than ever to plan financially for a 100-year life. According to the Office for National Statistics (ONS), there were 16,600 centenarians in…

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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…