-
Should I overpay my mortgage or invest the money?
Whether to overpay the mortgage or invest the money depends on your interest rate, your tax position and how you would feel in a downturn. How to work…
-
Decreasing or level life insurance for your mortgage?
Decreasing life cover is cheaper and falls with a repayment mortgage. Level cover costs more but leaves something over. How to choose, and the traps to check.
-
Critical illness cover: what it pays out for, and what it doesn’t
Critical illness cover pays a lump sum on diagnosis of a serious illness, but only if the illness meets the policy’s definition. What that means in practice, and…
-
Received an Inheritance or Sold a Business? Planning for a Financial Windfall
An inheritance, the sale of a business, a redundancy settlement or a property sale - a significant lump sum is one of the few genuine turning points in…
-
The cover most families skip, and the event it protects against
Most households insure death, patchily insure critical illness, and do not insure the event most likely to happen to them during a working life: being unable to work.
-
The April 2027 pension change, if you are already retired
Most of what has been written about the April 2027 pension change is aimed at people still saving. If you are already retired, it may quietly undo a…
-
Should I take my tax-free cash as soon as I can?
You can usually take a quarter of your pension free of income tax. Whether taking it now is the right move is a different question - and the…
-
Should I Consolidate My Old Pensions?
Change employer a few times and you can reach your fifties holding five or more pension pots. Bringing them together is often sensible - and occasionally a way…
-
Pension Drawdown vs Annuity: Which Is Right for Your Retirement?
The pension question that matters is not how to save, but how to turn what you have saved into an income that lasts. Drawdown and an annuity work…
-
How Much Does a Financial Adviser Cost in the UK?
One of the most common questions people type into Google before ever speaking to an adviser, and one the industry answers least clearly. How UK advisers charge, the…
-
Why Use an Independent Financial Adviser? A Plain English Guide
What “independent” actually means, how advisers are paid, and when advice is worth the fee. Written for people still deciding whether to bother.
Important information
The information on this site is for information purposes only and does not constitute individual financial advice.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE TAXATION ADVICE.