If you’re a parent you should have a Will

Wills are essentially about stating what you want to happen with your property in the event of your death.  You may never have thought of your children as your property, but you do need to think about what will happen to them in the event of your death.  Here are some...

Are we taking care of the vulnerable?

Who is vulnerable?  At an individual level, we might all come up with different answers to that question (although there might be a lot of overlap between them).  The Financial Conduct Authority (FCA), however, has a very specific definition of the term: “Someone who,...

The Cost of Raising a Child

We all know raising a child can be expensive. Some research has shown, the cost of raising a child to age 18 in the UK looks to vary dependant on whether it’s a girl or boy, with boys coming in at £79,176 and girls a staggering £108,884. As a parent you are committed...

Losing Sight Of Everyday Threats Could Put Your Business At Risk

You probably have a strong idea of the short-term focus and needs of the company. But what about the longer term? It is important to not lose sight of the ongoing threats to your business – threats that could have an impact as severe as any market downturn. Protecting...

Taking the Long View

For the best part of 10 years, global markets have enjoyed a period of steady growth. 2018, however, saw markets ‘wake up’ to increased uncertainty on a number of key political and economic events. Fuelled by the sustained efforts of central banks to maintain...

How a trust can help your financial planning

Writing a policy in Trust could be perceived as something that only the wealthy require, but the reality is Trusts can play an important part in financial planning for people from all walks of life. When it comes to planning your family’s financial future it makes...