Why am I feeling such a financial squeeze even though I’m earning a good salary?
It is the question we’re hearing more and more. You’re earning more than ever, so why does it feel like you have so little breathing room once the bills are paid?” For professionals in their 40s and 50s, the current landscape represents an objective “slow-burn squeeze”. It isn’t just a feeling – there are several […]
Should I be saving for my child’s university fees or rely on the student loan system?
Student loans have hit the headlines again following recent analysis from the Institute for Fiscal Studies (IFS). Naturally, many of you are asking us: “With interest rates so high, should we just fund university ourselves?” Research from the IFS has found that graduates on a Plan 2 student loan need to earn around £66,000 a […]
I’m retired and financially comfortable – so why do I find it so hard to spend my money?
It’s a question that comes up regularly in conversations with retired clients. On paper, everything appears to be in place. Work has ended or slowed, income streams are secure, and years of careful planning have provided financial comfort. Yet, despite this, spending can feel unexpectedly difficult. There is often a gap between financial security on […]
How will my partner know where to look or what to do if something happens to me?
It’s a difficult thing to think about, but it sits in the back of a lot of people’s minds. If something serious happened to you, your partner would already be dealing with a huge amount emotionally. The idea of them also having to scramble through papers, accounts and unanswered questions can feel really unsettling. In […]
Is it better to overpay my mortgage or save more into my pension?
For many people, this question appears at a natural turning point — a small rise in income, a big life shift, or simply a growing desire to feel more organised and in control. You want to make a decision that strengthens your future, not just reduces today’s to-do list. At first glance, it’s easy to […]
I’ve got ADHD – how does that affect the way I manage my finances?
This question has come up more often recently, both from clients and from people getting in touch for the first time. As awareness of ADHD grows, more individuals are recognising traits in themselves and wondering what it means for the practical parts of life – including their finances. It’s also a topic that feels close […]
How can I avoid losing free childcare hours when I earn over £100k?
Earning just £1 over £100,000 is enough to lose access to funded childcare. In England and Wales, working parents of three- and four-year-olds can receive up to 30 hours of funded childcare . But once income goes over £100,000, that support does not taper or reduce. It stops entirely. This is what’s commonly known as […]
Is financial advice actually worth paying for?
For many people, this is the real question sitting underneath all the others. Before talking about switching advisers or what advice costs, they want to know whether it’s genuinely worth it. Most people don’t come to us because they’re desperate to talk about ISAs or tax wrappers. They come because something in life has shifted […]
What does retirement planning look like for an additional rate taxpayer?
In a nutshell Retirement planning for City professionals involves far more than pension projections. With multiple income streams, complex tax positions and valuable assets to consider, the opportunity to build a clear, flexible strategy is huge. Start by defining the lifestyle you want, then work backwards to structure your finances around it. Get visibility on […]
As a Business Owner how should I plan for retirement?
In a nutshell For business owners, retirement isn’t about stopping work at a set age – it’s about turning the value you’ve built into lasting income, on your terms. That means starting with the life you want, then structuring your exit strategy, profit extraction, and post-sale income plan early. Done well, you’ll align tax, timing […]