All of our financial guidance factsheets are available to download and print below. Each focuses on a different financial aspect to help guide your clients when setting and reaching their financial goals. Simply select a category from the list below to view the available Fact Sheets. New sheets will be added on a regular basis covering an extensive range of topics.



Jeopardising financial stability – April 2024

Securing your family’s financial future is a multifaceted responsibility beyond merely accumulating savings and making long-term investments.

The gift of giving – April 2024

In the unfortunate event of one’s passing, there’s a possibility that HM Revenue & Customs (HMRC) may levy an Inheritance Tax (IHT) bill on the deceased’s estate.

Adjusting your pension plans – April 2024

In the ever-evolving landscape of retirement planning, a significant shift is on the horizon that could potentially impact when you can access your pension funds.

Make the most of your wealth – February 2024

Like health, the more meticulously you manage your wealth, the longer it lasts.

Changes to the state pension – February 2024

The State Pension is set to increase commencing on 6 April 2024 due to a mechanism known as the ‘Triple Lock’.

Balancing profit and planet – February 2024

ESG investing, a socially responsible investing approach, seeks to harmonise financial returns with a company’s environmental impact, stakeholder relationships and global footprint.

‘Time in the market’, not ‘timing the market’ – December 2023

In the investing world, the allure of quick profits and instant gratification often tempts some investors to employ a ‘market timing’ strategy. This method involves buying or selling financial instruments based on predictions of future market price movements.

Positive impact on financial wellbeing – December 2023

Financial stress is one of the most significant sources of anxiety and discomfort in the modern world. It’s not just about having enough money to meet our needs; it’s also about managing that money effectively and making informed decisions.

Aspiring towards retirement – December 2023

Retirement is often envisioned as a time to unwind and indulge in our passions after years of hard work. However, recent research indicates that many individuals feel apprehensive about retiring due to financial and emotional concerns.

Saving for the next generation – October 2023

Many parents and grandparents set aside money for the next generation to help with their financial needs. The rising cost of education, housing, and life in general has created concerns about financial stability for future generations.

Key traits for successful wealth building – October 2023

Committing to a financial plan is crucial for building wealth and achieving long-term financial goals. When you have a plan, you are more likely to stay focused on your objectives and take the necessary steps to reach them.

Do our later life dreams really become retirement reality? – October 2023

UK adults aged 50 and above were asked about their retirement dreams and whether they had turned out as planned.

Lump sum vs Regular contributions – August 2023

When planning for your future, consider increasing your pension savings. But should you do this through a lump sum or by raising your regular contributions?

Building a diversified portfolio – August 2023

Trusting that your investments are progressing toward your objectives is vital, allowing you to concentrate on the things you value most in life.

10 reasons to get your tax return filed now – August 2023

According to new research, more than two-fifths (43%) of UK adults who have checked their tax code have found they are on the wrong one.

Building up more tax-free money in your pension – June 2023

When making contributions to your pension, it’s important to keep in mind that there’s a limit to how much you can contribute each year without incurring additional taxes.

Securing an income stream for the rest of your life – June 2023

Are you approaching retirement age and have a pension fund that you need to decide what to do with?

Spring Budget 2023 – June 2023

The Spring Budget 2023 was delivered by Chancellor of the Exchequer, Jeremy Hunt, on March 15.

How to protect you and your family’s future – April 2023

These are not easy questions to ask but it is important to consider what would happen if an unexpected event or accident took place, and how you could protect your family from the financial effects of serious illness or death.

Increasing financial support for millennials – April 2023

The rising cost of living is cutting into even the most resilient saving pots and salaries, forcing many to re-consider their financial priorities, whatever their generation or income.

Balancing risk and returns – April 2023

UK government bonds, also known as gilts, are debt securities issued by the UK government. They are used to finance the government’s borrowing requirements and are often seen as a safe haven asset by investors.

Millennials willing to forgo inheritance – April 2023

Many people want to do what they can to ensure they maximise the amount they leave to their family and minimise Inheritance Tax.

Time to get your retirement plans in motion – April 2023

When it comes to later life planning, more than three in five people (61%) feel stressed when they think about their retirement.

Planning your retirement and how to get there – April 2023

Why wait for tomorrow? Start planning today. Welcome to our Guide to planning your retirement, and how to get there.

Setting up a future for my grandchildren – April 2023

Investing for grandchildren can be used to help fund university fees, make a down payment on their first car or home, or even start a retirement fund.

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