What really happens – financially and emotionally – after a divorce?
Financial planning conversations after divorce often start the same way: with someone apologising for getting emotional, as if tears don’t belong in a discussion about money. But they sometimes absolutely do. Divorce is one of the most disorienting life experiences someone can go through, and the financial conversations that follow are rarely just about numbers. […]
How Can My Family Turn Budget 2025 Changes Into Financial Opportunities?
In the run-up to every Budget, speculation takes on a life of its own and questions naturally arise. This year is no different – talk has centred on frozen tax thresholds, possible property reform, and changes to dividends. For professionals, families and business owners, the headlines can feel unsettling, as though the rules might shift […]
What does life really look like after retirement?
Retirement is often framed as the finish line. Years of hard work, relentless schedules, big decisions, bigger responsibilities… and then one day, you stop. In our experience, many people expect to feel immediate freedom when they retire. Instead, the initial feeling is often one of strangeness – a realisation of how much of their identity […]
How Could Budget 2025 Affect My Bonuses, Dividends and Director’s Pay?
The run-up to this Budget has been dominated by one question: where will the Chancellor find the money? With borrowing constrained and debt targets in play, attention is turning to income streams that are seen as “fair game” – bonuses, dividends and directors’ pay. The speculation is that these could face higher tax rates, reduced […]
How might Budget 2025 Affect My Property, Stamp Duty and Council Tax Bills?
Property has always been a favourite target for Chancellors. It represents one of the largest pools of value in the UK, and taxing it raises money quickly and in plain sight. So, with the current Chancellor under pressure to find billions while sticking to strict borrowing rules, property is once again in the spotlight ahead […]
What Would a Switch in National Insurance vs Income Tax Mean for My Take-Home Pay?
With the Chancellor under pressure to raise revenue while sticking to strict borrowing rules, one idea being floated ahead of the Budget is to shift the balance between National Insurance (NI) and Income Tax. It’s a question that naturally arises so here’s our take on it. According to the Resolution Foundation – a think tank […]
How do I switch my financial adviser?
In our experience, clients find the process of switching financial adviser emotionally challenging, even when they know it’s the right move. If that sounds familiar, you’re not alone. According t0 Investec research, one in three (31 %) people are considering switching from their current financial adviser and of those considering switching, 82 % say they […]
I’m a partner in a City law firm – what could the LLP reforms mean for me?
If you’re a partner in a City law firm, you won’t have missed the growing noise around the government’s review of Limited Liability Partnerships. The headlines have been clear: the Treasury is considering making firms pay employer National Insurance on partner profits – a move that could reshape how professional partnerships operate. It’s early days, […]
What’s the best way to plan for private school fees?
Choosing private education is a huge decision – financially, yes, but emotionally too. It’s about wanting to give your children the best start, while juggling everything else life throws your way. Many families naturally focus on the next term’s bill at first. Life’s busy, and the costs can feel abstract in the early years. But […]
I’m getting divorced — what should I be thinking about financially?
This is one of the very first questions that comes up when someone’s even considering divorce. It’s often asked quietly, sometimes before anyone else knows what’s happening. Because once the idea is on the table, the financial implications start circling fast — and getting a handle on them early can make everything that follows less […]