News & Articles
Our library of blog articles is a free resource we provide to help our clients and prospective clients understand their finances better. If you have any specific questions about planning your wealth to achieve your goals, then please contact us.
22 Jun 2024
Should I sell my RSUs? A UK guide for employees paid in shares
When RSUs vest in the UK, their market value is generally taxed as employment income, usually through PAYE, whether you sell the shares or not. Selling at vest therefore usually adds little or no further tax and reduces how much of your wealth depends on one employer. Read More
06 Jun 2024
The parents’ guide to paying for university and student loans
If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud. However, you may also worry about what it means for your child financially. As a parent, it is important to understand what expenses students face, how… Read More
17 Apr 2024
The most important money concept that Daniel Kahneman taught us
The Nobel prize-winning psychologist Daniel Kahneman died at the age of 90 at the end of March. He became synonymous with behavioural economics and finance even though famously he never took a course of economics. In his best-selling book Thinking, Fast and Slow he debunked the notion that people are… Read More
17 Apr 2024
The Death Note
Every couple and family should have a document that explains what to do and who to contact when they die. Here’s how I would start mine.- “ Sorry I am dead. The people that will be most helpful are…..” Nobody wants to think about this which is why the note… Read More
17 Apr 2024
Is succesful investing down to skill or luck?
What is considered to be the best ever performing investment fund in history is one that most of us have probably never heard of. It’s not Buffet’s Berkshire Hathaway. It’s the Medallion Fund run by Renaissance Technologies. From 1988- 2021 the fund has… Read More
07 Mar 2024
Guide: 7 allowances you might want to use before the end of the 2023/24 tax year
When a new tax year starts, many allowances reset. So, checking if you could make use of allowances before Friday 5 April 2024, when the 2023/24 tax year ends, might be valuable. This guide explores some of the allowances that could help your money go further. You might discover you… Read More
07 Mar 2024
When should I engage with a financial adviser?
Many people are unsure when and whether they should start working with a financial adviser. Is it 2 years before retirement, is it 20 or 30? This is a question more and more people will be asking in the coming years. The number of people aged over 64 in England… Read More
31 Jan 2024
Market Review of 2023 – The everything rally
Markets in 2023 finished the year very differently from how they started it. The FTSE All World Index in sterling terms ended the year up 22% offsetting 2022’s fall of 18% bringing index levels up to the highs of 2021. The strong performance however masked some big differences in… Read More
31 Jan 2024
The Frustration of Diversification
The website Visual Capitalist recently published an article showing the best-performing asset class for each decade since 1950. Even with hindsight of news and current affairs it would have been impossible to guess these outcomes in advance. Look no further than the 2010s . As the smoke was… Read More
31 Jan 2024
How do I get my risk averse husband to invest?
For most people, cash feels like a weighted blanket. There’s comfort in knowing its value while it collects interest in a bank account, accessible at any time. It’s not easy to convince your partner to assume more risk after he’s used to a certain level of security. Cash looks good,… Read More
31 Jan 2024
Looking after number one – 10 weight loss tips for the New Year.
What good are our investments and our money if we are not healthy enough to enjoy eventually spending them? Why should we care about our tax efficient portfolio if we aren’t fit enough to partake in the experiences we have lined up for when we retire? It’s all about looking… Read More
16 Oct 2023
How to achieve high tax equivalent risk free returns using government bonds.
UK and global government bonds have had a rough ride of late. To be fair, it’s not often in history that central banks raise rates from 0% to 5.25% in the space of 18 months. The recent price falls however have exposed a specific tax driven investment opportunity. It’s worth… Read More