Helping you navigate the world of personal finance one article at a time

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Below are our lastest blog posts

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How risky are popular shares?

Do you hold shares in well-known companies? These companies are usually seen as pretty safe given that they are used by everyone. But how true is this? We use interesting data to examine this view, and expose the potential risks of some popular shares. Key points Some...

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What is auto enrolment?

Read this if you are an employer. A major change in pensions legislation is about to affect you, and you can't avoid it. This is known as auto enrolment. All employers are required by law to set up a new pension scheme for your staff and contribute to this scheme...

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How do investment charges work?

This is a regular question for us, because investment charges can be confusing. This article explains how investment charges work, and why this is important to understand. Key points Why are investment charges important? How investment charges typically work How...

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The Single Tier State Pension from 2016

No doubt you have heard a lot about the Single Tier State Pension, which is due to come into force for all those who become entitled to their State Pension in the UK from April 2016. This article examines the main proposed changes, as the legislation passes through...

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How does pension tax relief work?

This article should tell you what you need to know about tax relief on pensions. Key points How pension tax relief works Reclaiming pension tax relief for higher rate tax payers and self employed Claim your free retirement checklist What is a pension plan? A pension...

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Pension options on divorce

If you are getting divorced then you will probably need to take account of pension assets in your financial settlement. This article explains the 3 main pension options on divorce. Key points Pensions can be a difficult asset to assess on divorce There are 3 main...

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How to choose a retirement annuity

This article explores how you can choose a retirement annuity and will help you to make decisions about the options available to you. There are many options when considering a retirement annuity, and the decisions can seem daunting. This article will show you how to...

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How much is my business worth?

  If you are thinking of selling your business you will probably start by asking "How much is my business worth?" This is a good place to start, but we want to challenge you to think differently. We want to encourage you to think about a different question: "How much...

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FSA becomes FCA

You may not be aware of it, but we are now regulated by a new regulator. The Financial Services Authority (FSA) is no more, and has been replaced by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). What is changing for you? Well,...

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Inheritance tax gifts

If you have worked out that you have an inheritance tax liability you may have considered inheritance tax gifts to reduce the amount of money your family will pay. This article examines the key issues surrounding inheritance tax gifts and why you might consider making...

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Property vs investments

Have you ever wondered which is better - property or investments? This article tackles this issue and compares property vs investments. Key points: Why compare property vs investments? Definitions of property and investments Issues to consider Why do we compare...

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How we secure your financial data

Have you ever heard the shocking stories about how financial institutions lose their clients' data - causing real worries for their clients?  We take our responsibilities in this area very seriously, so we thought it would be useful to document how we secure your...

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Delaying the state pension – how & why

You may be approaching your state retirement age, but might be thinking that you do not actually need to take this money.  Perhaps you do not need the income, or you might be planning to carry on working or earning after that period.  If you do not need to take the...

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