by Catherine Pappoe | Jul 7, 2026 | Live Happy, Plan Well, Tips & Advice
Targeted support is designed to fill that gap. The FCA’s final rules, set out in PS25/22, go live from 6 April 2026, allowing authorised firms with the right permission to offer suggestions designed for groups of consumers who share common characteristics. It...
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 Dan O’Sullivan | Jul 7, 2026 | Plan Well, Tips & Advice
Resilience is not the same thing as wealth. A high-income household with large fixed commitments, little cash, and no protection can be genuinely fragile. A modest household with manageable spending, a proper emergency fund, and clear priorities can be surprisingly...
by Mark Buck | May 28, 2026 | Live Happy, Tips & Advice
The drawer performs a valuable social function. It allows us to say, “I’ve put it somewhere safe,” while ensuring that no human being will ever willingly retrieve it. It is not filing. It is sedimentation. The British approach to personal...
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 Leo Smith | May 28, 2026 | Live Happy, Plan Well, Tips & Advice
The basic idea is straightforward. An ISA is a tax-efficient account. Money held inside it can grow free from UK Income Tax and Capital Gains Tax. Interest, dividends and gains inside an ISA do not normally need to be declared on a tax return. For the 2026/27 tax...
