Reviewing your finances can seem both daunting and somewhat redundant. If you know that you’re comfortable, that you have previously managed money effectively and that all your necessary bills have been paid, why commit the time and effort to something that may be fruitless? We believe th...

The coming weeks are crucial not only for us, as a country, preparing for Brexit but for the end of the tax year, too. Brexit is still uncertain and the results and actions towards them are completely out of our hands. However, although you may feel that it is much the same for your person...

Nothing flies by us quicker than a tax year. We celebrate Christmas and New Year and all of a sudden, it’s time for the tax deadline rush. For many people, this rush is considered to be an inevitability, just a painful, costly part of running a business. It’s become something of a routine ...

There has been a downward trend in the number of independent financial advice firms since 2008 for a number of reasons, including an increasingly complex regulatory environment and a lack of new entrants to the business. New regulations, including the introduction of GDPR, is putting pres...

Planning for your financial future has never been simpler Less than half (39 per cent) of 25-39 year olds in Scotland consider putting money into a pension ‘important’. This isn’t surprising – when it comes to saving for our pensions, we tend to stick our heads in the sand, worried it’s a...

So, my best friend trusts me enough to get in a plane I am flying and I trust him enough to ask him to be a Godparent to one of my kids. So why would I think twice about signing a bit of paper that protects his future, his family as well as my own? Is it because I trust him too much? Is i...

The bucket list pension How much do you know about your pension? Sure, we all have one, or two, or three… But many of us don’t know the real value they hold. Even if you’ve been with the same company for the whole of your career, it’s not guaranteed you’ll be able to breeze into retireme...

An interesting discussion broke out in our office this week and it ended up with us talking about how fashions come and go and if you wait long enough even the worst items in your wardrobe will come back into fashion.  So how does this relate to business funding? Well, it’s simple, the “f...

It was undeniably most unnerving week in UK politics since the week that followed the surprise of the British electorate choosing Brexit over the status quo of remaining in the EU. Now that the representatives of both sides have finally agreed on a route called the withdrawal agreement tha...