Gary Lumb
The essential guide to ISAs
ISAs have been around for more than two decades, but they’ve changed significantly since they were first introduced. This guide can help...
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Gary Lumb
Jan 4, 20231 min read
The 2022/23 end of tax year guide: 7 allowances to make use of before 5 April 2023
The 2022/23 tax year ends on Wednesday 5 April. After this date, many allowances reset, and it could be your last chance to use some of...
Gary Lumb
Dec 15, 20223 min read
Do you have a gap in your National Insurance record? Checking now could boost your State Pension
The rules around filling in a gap in your National Insurance (NI) record are changing. From 5 April 2023, you will only be able to make...
Gary Lumb
Dec 15, 20223 min read
Life insurance vs family income benefit: Which one is right for your family?
Creating financial security for your family if the worst should happen can be difficult to contemplate. However, it’s something that can...
Gary Lumb
Dec 15, 20223 min read
4 key factors that could affect your mortgage interest rate
Mortgage repayments for thousands of homeowners are rising. Understanding what affects the rate you’re offered when applying for a...
Gary Lumb
Dec 15, 20223 min read
Experts forecast a recession in 2023. Here’s why and what it means for your investments
Experts are predicting that the UK will face a recession in 2023. While it can be tempting to react to this news by changing your...
Gary Lumb
Dec 15, 20224 min read
6 essential steps to take if you’re retiring in 2023
If you’re retiring in 2023, congratulations! It’s an exciting milestone that you’re no doubt looking forward to. Here are six practical...
Gary Lumb
Dec 14, 20224 min read
After the risk of pensions collapsing made headlines, here’s how your retirement savings are protect
Recently, you may have read headlines about how pension funds were close to collapsing. Naturally, you may be worried about your...
Gary Lumb
Oct 19, 20221 min read
Guide: Financial wellbeing: 6 ways to help you make better financial decisions
Humans are hard-wired to make poor financial decisions. It’s just in our DNA. Financial wellbeing is a broad topic, covering all aspects...
Gary Lumb
Sep 20, 20221 min read
The parents’ guide to paying for university and student loans
If your child will be going to university this year or is planning to further their education in the future, you undoubtedly feel proud....
Gary Lumb
Sep 5, 20223 min read
ESG: Can you balance your values with your investment goals?
More people are considering their values when making investment decisions. If it’s something you’ve thought about, you may wonder if it’s...
Gary Lumb
Sep 5, 20224 min read
Why taking too little investment risk could harm your goals
When you imagine the worries that might come with taking investment risk, it’s probably “taking too much” that comes to mind. After all,...
Gary Lumb
Sep 5, 20223 min read
Do you think financial protection claims aren’t upheld? 98% were paid in 2021
If you think that insurers don’t pay out when people make claims, you’re far from alone. According to Scottish Widows, just 7% of people...
Gary Lumb
Sep 5, 20223 min read
Why saving your pension could reduce a potential Inheritance Tax bill
When you start thinking about how you’ll create an income in retirement, it’s probably your pension that comes to mind. Yet, if your...
Gary Lumb
Sep 5, 20224 min read
1 in 3 savers worry they’ve “lost” a pension. Here’s how to track them down
It can be easier than you think to lose your retirement savings. In fact, estimates suggest thousands of savers have forgotten about...
Gary Lumb
Sep 5, 20224 min read
7 compelling reasons you should seek financial advice at retirement
Some of the decisions you make as you retire could affect your income and lifestyle for the rest of your life. Yet, data suggests that...
Gary Lumb
Aug 15, 20221 min read
Guide: Your complete guide to buy-to-let
Buy-to-let properties can provide an additional income stream and help you to support your goals. As a result, becoming a landlord is...
Gary Lumb
Jun 23, 20221 min read
Your complete guide to financial protection
Financial protection is an important part of creating long-term security. Yet, it’s something that many people overlook. Appropriate...
Gary Lumb
Jun 22, 20224 min read
Investment market update: May 2022
Concerns that economies around the world could fall into a recession as inflation continues to rise have led to volatility in the investment
Gary Lumb
Jun 22, 20224 min read
House price surge pushes 4.3 million homes into a higher Stamp Duty bracket
Since March 2020, house prices have increased by 13%. It means more properties will be liable for Stamp Duty when purchased and bills could
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