When a child turns 18, control of their Junior ISA (JISA) automatically transfers to them. Without financial guidance, a lump sum can be overwhelming or quickly misspent. If you’ve spent years diligently setting money aside for your child’s future, this moment can be both exciting and nerve-racking. Without prior guidance, your child may see this as “free” money and fritter it away in a matter of weeks or months. However, the secret to avoiding a spending spree may not be to lock the money away, but rather to teach financial literacy early. By introducing key concepts in the years leading up to adulthood, you could help your children handle this transition responsibly and with confidence. Here are five strategic lessons... Read More

Even some of the most astute investors in the UK could fall prey to common financial mistakes that quietly erode their wealth. Whether it’s leaving too much cash sitting in low-interest accounts in your 20s or letting fiscal drag eat into your earnings in your 40s, these missteps rarely happen out of neglect. Rather, they may occur as your priorities shift and you don’t adapt your financial plan alongside them. The good news is that spotting these mistakes early means you can take control. With a structured plan, you can ensure that every pound you earn, save, and invest is working at peak tax efficiency. Keep reading to discover the most common financial mistakes savers and investors make throughout their... Read More

Data from the Office for National Statistics (ONS) suggests a notable increase in unmarried partners living together over the last few years. Yet, long-term cohabiting couples still face significant hurdles when it comes to inheritance and fair financial splits. This could soon change. From 5 June until 14 August 2026, the government is consulting on the financial options available to unmarried partners at the end of their relationships, whether the cause is separation or death.  This could help strengthen the rights of cohabiting couples and help provide more financial security for all involved.  Here’s what you need to know about the current landscape for cohabiting couples, what might change, and how it could affect you. Without a valid will, cohabiting... Read More

You likely know that income protection is an important part of your financial plan. After all, it provides a buffer should you become unable to work due to sickness or injury, allowing you time to recover.  This amount is usually a tax-free percentage of your salary and can be valuable if you don’t receive adequate sick pay, have limited savings, or are self-employed.  However, income protection is not a catch-all and there are some conditions and life events it will not provide cover for. In these circumstances, having other contingencies in place could be vital.  We can help you plan for that.  But first, let’s explore four common life events that are not covered by income protection. 1. If you... Read More

In the 20th century, the internet brought us into the “Information Age”. Knowledge became digitalised, connected, and accessible. Fast forward to 2026, and reliable information isn’t always so easy to identify. In fact, with social media and AI tools making it more difficult than ever to discern fact from fiction, some might say we’re now in the age of misinformation. When you’re looking for financial tips and guidance, false information or ill-intentioned advice can be dangerous. Indeed, research by TSB found that 55% of people who have acted on financial advice from social media have lost money as a result. Read on to learn four reasons you should always question the validity of online financial advice and how you can... Read More