How psychology might affect your view of cash and safety
How your brain works could 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 feel like the “safe” option […]
A time traveller’s guide on how to financially plan for change
This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. There is one absolute certainty in life: there will be change. Sometimes […]
Gifting to reduce an Inheritance Tax bill? Here are 5 things to check first
In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. These measures could see estates facing a larger IHT liability, or coming […]
How fiscal drag could harm your finances as the government extends tax freezes
When chancellor Rachel Reeves delivered the Budget in November 2025, you might have breathed a sigh of relief that Income Tax rates weren’t increasing. However, fiscal drag could still harm your finances over the long term. Fiscal drag occurs when tax thresholds aren’t increased in line with wages or inflation, and is sometimes dubbed a […]
2 reasons to combine your financial plan with your partner’s
Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your financial plan with your partner’s could be valuable. Talking about finances might seem too practical for a day that’s about celebrating love. Yet, it could support your relationship. Here are two reasons why you might […]
How much should you contribute to your pension?
A third of people don’t know how much they need to contribute to their pensions every year to create a comfortable retirement, according to a MoneyAge article (11 November 2025). Striking the right balance with pension contributions is important. Contribute too little, and you could leave yourself short in retirement. If you contribute as much […]
Why retirement has a language problem and how to change the narrative
Language is powerful. The words you use to describe different scenarios can change how you perceive events, and the language used for retirement could lead to a pessimistic outlook. Writing in an article for Saga, lexicographer Susie Dent explains that in English, “retire” has its roots in a Latin word meaning “to withdraw”. This can […]
The financial biases shaping the AI stock boom
AI adoption has rapidly increased in recent years, and it has affected the stock prices of businesses operating in the sector. Find out more about the financial biases that could be driving this boom. The rise of Nvidia, which provides essential hardware and software for AI development, demonstrates the scale of the AI boom. In […]
3 reasons why your financial protection claim could be rejected
Many people wrongly assume that financial protection rarely pays out. While this is untrue, there are times when claims are rejected, and there might be steps you can take to reduce the chance of it happening. Financial protection is a type of insurance that pays out when certain conditions are met. For example, income protection […]
3 steps you can take to create a charitable legacy
Leaving a legacy to charity in your will is a great way to support the causes that are close to your heart. It can also serve as a thank you for the support you, a loved one, or even a pet received during your lifetime. Charities greatly rely upon this income. Today’s Wills and Probate […]