Despite new homeowners worrying about losing their home if their income were to stop, only 15% prioritise taking out financial protection, according to a survey carried out by Vitality (22 January 2026).

In fact, homeowners are far more likely to invest in making their new property feel like a home. When asked what they’d actively plan for when buying a property, purchasing new furniture (36%), décor (26%), or a new kitchen or bathroom (25%) were placed at the top of the list.

Understandably, new homeowners want to invest in their proper...

Despite concerns that increased taxes would affect the profitability of the buy-to-let market and rental yields would stagnate, research suggests that most landlords reported profitable activity at the end of 2025.

According to an article from MoneyAge (3 February 2026), 85% of landlords said they were profitable in the final three months of 2025.

However, landlords do need to be mindful of challenges in the market. For example, from April 2027, the rates of Income Tax from property income will rise by two percentage points to 22%, 42%, ...

Financial shocks can have a devastating effect on your short- and long-term finances. While you can’t remove the unexpected from your life, it is possible to be prepared, and a cashflow model could help you identify how.

A cashflow model could help you visualise changes to your wealth

A cashflow model is a powerful tool that financial planners can use to show how your wealth might change over the long term in various scenarios.

To start, you’ll input essential information, such as the value of your assets, your income, and how you use y...

Investing money can feel daunting because you can’t be sure what your returns will be or whether you’ll suffer a loss. While you can’t eliminate uncertainty from investing, there may be things you can do to overcome the fear of the unknown if it’s affecting your financial decisions.

According to an article from Financial Planning Today (4 February 2026), uncertainty is pushing people away from investing.

Indeed, 23% of Brits are more likely to choose a cash account over an investment account than they were previously, due to political ...

Once you’ve set out your investment goal and strategy, what comes next? Often, it’s time to test an important investment skill – your patience.

The average investor might benefit from a long-term approach

When you think about the most important skills in investing, you might consider the ability to choose the “right” investments or understanding market movements. Yet, for the average investor, patience could be far more valuable.

Usually, investment strategies require a long-term outlook, so you need to be patient to achieve your goals...

Planning your finances without clear goals is like setting off in your car without a destination – you might be able to keep moving, but you can’t be sure you’re heading in the right direction.

That’s why goal-setting is at the heart of effective financial planning. However, not all goals are created equal. 

You can probably call to mind a time you set a resolution or objective with every intention of keeping it, only to give up after a few weeks. This probably had little to do with your self-discipline and commitment, and a lot to do wi...

The new tax year will start on 6 April 2026, and many of your important allowances and exemptions will reset. Checking whether you could use these valuable allowances before the end of the 2025/26 tax year on 5 April 2026 might help your money go further.

Before you make any decisions, ensure that you understand which allowances fit into your financial plan and suit your goals. If you have any questions, please contact us.

Read this guide to discover seven allowances and exemptions you may want to make the most of before the end of the c...

Compared to other countries in Europe and the US, Brits are among the least likely to take out life insurance, and it could leave their families in a vulnerable position if the worst happened.

Life insurance would pay out a lump sum to your beneficiaries if you passed away during the term. Your loved ones could use the money however they wish, including paying off an outstanding mortgage to improve their financial security. As a result, it’s something many homeowners, particularly those with dependants, could benefit from considering.

Ye...

Your home may be one of your largest assets. However, the wealth tied up in your property is usually inaccessible.

You may have considered unlocking some of its value to supplement your retirement income or support your loved ones. Equity release has become increasingly popular for people looking to access their property wealth later in life.

In fact, the Equity Release Council (5 November 2025) states that total lending through these schemes rose to £639 million in Q3 2025. This is up from £636 million in Q2 2025, and 4% higher than the...