by Mario Waschefort | Jul 7, 2026 | Plan Well, Tips & Advice
The basic idea is simple enough. A capital gain is the rise in value of an asset between buying it and disposing of it. Buy an investment for £20,000, sell it later for £30,000, and the gain is £10,000 before costs and reliefs. CGT may be due on gains above the annual...
by Mario Waschefort | May 28, 2026 | Live Happy, Plan Well, Tips & Advice
The financial services industry often focuses on a number: how much is enough? It is an important question, but not the only one. A better starting point is: enough for what? Retirement spending is personal. Some people want travel, family support and home...
by Mario Waschefort | May 6, 2026 | News, Plan Well, Tips & Advice
Divorce has always involved dividing what can be seen: the house, the cars, the savings. What is less visible — and often far more valuable — is the pension. In the UK, pensions are frequently the second largest asset in a marriage, and in some cases the largest. Yet...
by Mario Waschefort | Mar 3, 2026 | Plan Well, Tips & Advice
It is a good problem to have. Both are tax-efficient. Both can support long-term financial goals. But they are not interchangeable — and the “right” choice depends on timing, access, tax position and legacy planning. Let’s break it down clearly. The Current...
by Mario Waschefort | Feb 5, 2026 | News, Plan Well, Tips & Advice
For many investors, that matters more this year than it might have done in the past. Strong market performance during 2025 means that a large number of portfolios — particularly General Investment Accounts (GIAs) — will have generated gains that exceed the annual...
