Finding True Wealth

Welcome to our blog, Finding True Wealth. Being "wealthy" means different things to different people. For some it can refer to their money and assets but for others it may mean financial freedom and having the means to fulfil life goals etc. Here we'll include articles to help you on your way to find your "True Wealth".

As well as these articles, we produce guides from time-to-time. Click here to browse our previous guides.

Articles that we publish to our professional connections can found found here.

1 in 3 savers worry they’ve “lost” a pension. Here’s how to track them down

September 2022

It’s easier than you might think to lose track of pensions, especially if you move job or house. It could mean you’ve overlooked some savings that could support your retirement goals. Find out how to track down a “lost” pension here.

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How much has the value of your home changed? Here’s why it could reduce your mortgage repayments

September 2022

Your home rising in value can seem like it doesn’t have a material effect on your finances. But if you’re paying a mortgage, it could reduce your repayments. Find out why here.

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Cost of living crisis - Why you should review your budget and plans

September 2022

As the cost of living continues to rise, taking some time to review your budget and understand how the decisions you make now could affect long-term plans is vital.

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5 crucial things you need to consider when reviewing your estate plan

August 2022

Once you have an estate plan, regular reviews can help ensure it continues to reflect your wishes and circumstances. Here are five things you should do when reviewing your plan.

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7 important things to know if you're a trustee

August 2022

If you’re a trustee, it’s essential that you understand what your responsibilities are and any restrictions that may be in place. Here are seven important things you need to know.

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Why September’s inflation rate could deliver a bumper boost to your State Pension

August 2022

The government is reinstating the triple lock this year. High inflation could mean the State Pension increases by a record amount in the 2023/24 tax year. Find out why here.

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Income Tax freeze means 1 in 5 could pay the higher rate by 2024/25. Here’s how you could reduce your liability

July 2022

The Income Tax thresholds are now frozen until 2026, and it means more people are expected to pay a higher rate of tax in the coming years. There are some steps you can take to reduce your overall tax liability.

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5 compelling reasons why you should share a financial planner with your family

July 2022

A third of advised families share the same financial planner. It can help your family reduce your tax bill and reach shared goals you may have.

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Inflation: What happened the last time the cost of living was rising this rapidly?

July 2022

You may have heard that inflation is at a 40-year high. In the 1980s, it led to high interest rates, a recession, and high levels of unemployment. Find out why and how it’s different to the current situation here.

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26% of people say thinking about finances makes them anxious, as research highlights a link to mental health

June 2022

Your wellbeing and finances are often linked. New research has found that more than a quarter of people feel anxious about money, and this rises to more than half of people who have experienced mental health challenges

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52% of savers don’t understand the effects of inflation, and millions think they’ll be better off. Here’s why it can harm your savings

June 2022

Interest rates are starting to rise, but that doesn’t mean that inflation will have a positive effect on your savings. In real terms, they are likely falling in value

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Total tax collected from exceeding the pension Lifetime Allowance is set to reach almost £1.5 billion annually

June 2022

Cuts to the Lifetime Allowance in the last decade means more people than ever are facing additional tax charges when they access their pension. It’s crucial you understand if you could be affected by exceeding the threshold

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How long will you spend in retirement as more people than ever reach 100?

May 2022

More people than ever are celebrating their 100th birthday. Spending longer in retirement means you need a financial plan that will provide a long-term income when you give up work.

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How a virtual “shopping basket” is used to calculate the rate of inflation

May 2022

You’ve probably heard a lot about inflation in the last few months. So, how is it calculated? The Office for National Statistics uses a “shopping basket” of goods to measure how prices have changed.

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Garden Wildlife Week: 8 practical tips for encouraging nature to flourish in your garden

May 2022

Garden Wildlife Week celebrates British wildlife and encourages homeowners to create space for nature. If you want to create a haven in your garden, here are some practical tips to help.

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Why it pays to use your 2022/23 ISA allowance right now

April 2022

While you may be tempted to leave using your annual ISA allowance until the end of the tax year, using it now could boost your savings and provide peace of mind.

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Will disputes are on the rise. 3 things you can do to minimise the chances of your wishes being challenged

April 2022

While still rare, the number of will disputes is rising. It could mean your assets aren’t distributed according to your wishes, but there are some things you can do to minimise the chances of it happening.

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HMRC refunds £42 million in overpaid tax to pensioners. Have you paid too much?

April 2022

In the last quarter of 2021, HMRC returned more than £42 million in overpaid tax to retirees. If you’ve paid too much tax when accessing your pension, find out why and what you can do here.

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7 fun Easter activities to enjoy with your children or grandchildren

March 2022

Keep your children or grandchildren entertained over the upcoming school holiday with these fun family-friendly Easter activities.

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Could someone steal your home? Thousands of people have been affected by a property scam

March 2022

The Land Registry has paid out £3.5 million in compensation fraud. But how does someone steal your home? Find out here.

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Inheritance Tax receipts rise again. What can you do to minimise the bill?

March 2022

The amount of Inheritance Tax paid has increased and a freeze on allowances means it will affect more families in the future. Read about the steps you can take to reduce a potential Inheritance Tax bill.

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Uncertainty abounds – it always does

February 2022

Today, it certainly feels like the world is in a very uncertain place - an article from our investment committee partner, Albion Strategic.

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World Book Day: 10 children’s books that can still delight adults

February 2022

This year is the 25th anniversary of World Book Day, which aims to encourage a love of books and reading in children. To celebrate, find 10 fantastic children’s books you can still enjoy as an adult here.

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Is the interest rate rise good news for savers?

February 2022

The Bank of England has increased its interest base rate. At first glance, this may seem like good news for savers, but the high rate of inflation means you could still be losing value in real terms.

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State Pension Review: Why it matters to your retirement plans

February 2022

The government is reviewing the State Pension, and there are suggestions that the State Pension Age could rise. The outcome of the review may affect your retirement plans.

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7 great financial books that could really boost your knowledge about money

January 2022

From the basics of personal finance to exploring the psychology of money, discover seven great financial books that could really boost your knowledge

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Financial security for your spouse – 5 clever ways to provide it if you die

January 2022

If you worry about how your spouse or partner would cope financially if the worst happened, discover five clever ways you could ensure their financial security

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How pension sharing could help divorcing couples avoid a financial nightmare

January 2022

Research shows 24% of divorcees waive their rights to pensions, which may result in future financial difficulties. Learn why pension sharing is so important

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What is the £86,000 care cap and will it help you? Here’s what you must know

November 2021

The government has introduced a care cap that could limit how much you pay for later-life care. Read on to find out what it covers, and if it could help you

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3 powerful reasons why you need to know how much State Pension you’re entitled to

November 2021

Your State Pension could be vital in providing financial security in retirement. Discover 3 reasons why knowing how much you’re entitled to could be critical

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5 amazing ways music can boost your mood and help you feel happy

November 2021

One in five people say music and livestreaming events were the biggest support to their mental health in lockdown. Discover five ways music can boost your mood

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3 vital things you need to know about the Dividend Tax increase

October 2021

The government plans to increase Dividend Tax, meaning you could face a larger liability in the future. Read on to discover three things you need to know.

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How the State Pension triple lock suspension could hurt women more

October 2021

The State Pension triple lock suspension could impact on your retirement, especially if you’re a woman. Learn why and what you could do if you’re affected.

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Scam epidemic: how to quickly spot if you're being scammed

October 2021

As Britain continues to deal with Covid, crooks have been busier than ever trying to steal your money. Discover how you could spot a scam if you’re contacted.

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Retirement Rule 1: Don't run out of money

September 2021

Of all the financial challenges and concerns that we face over our lifetimes, avoiding running out of money in retirement probably sits at the top of the list.

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6 easy but expensive mistakes to avoid with inherited investments

September 2021

If you have inherited investments from a loved one, there are six common but costly mistakes you could make. Discover what they are and how to avoid them

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Surprisingly simple ways to reduce your exposure to Capital Gains Tax

September 2021

The government’s Capital Gains Tax take looks set to rise thanks in part to the freezing of the annual exemption. Learn 6 ways you could reduce your liability

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10 effective ways to get your garden ready for autumn

September 2021

As summer ends, what can you do to prepare your garden for the chillier seasons ahead. Discover 10 top ways to get your garden ready for autumn

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3 tax reforms the government could make that may hit your pension hard

August 2021

After record borrowing to shore up the UK’s economy during lockdown, the government may introduce tax reforms that could impact your pension. Discover how.

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15 unusual but legitimate ways to cut a tax bill

August 2021

There are hundreds of tax breaks you can use, some of which you may not have heard of. Discover 15 unusual but legitimate ways you could cut your tax bill.

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10 simple apps to help you tackle global warming and reduce your waste

August 2021

As world leaders prepare to discuss the issue of global warming at a critical UK summit, discover 10 apps that could help you tackle climate change

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The gender pay gap: How it goes beyond salaries and affects retirement

July 2021

While steps have been taken to close the gender pay gap, it’s still having a huge impact on pensions and the financial security women have later in life.

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"It won’t pay out" and other financial protection myths busted

July 2021

Less than half of UK adults have any type of financial protection. If you’re among them, it could leave you vulnerable to financial shocks.

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7 apps to give your brain a workout

July 2021

Do you want to improve your mental skills? These seven apps make it easy to add a daily brain workout to your routine.

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3 important ways our financial planning boosts your financial wellbeing and happiness

June 2021

Research shows money and wealth security is only half the story when it comes to financial wellbeing. Discover the other half and how we aim to deliver it

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5 vital things you need to know about lifestyling your pension and why it might not be right for you

June 2021

Lifestyling your pension as you approach retirement is common practice. But here are five things you need to know about it, and why it may not be right for you

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8 powerful ways to solve cryptic crossword puzzles

June 2021

Sometimes it feels impossible to solve cryptic crossword puzzles. Learn eight powerful ways to solve even the most baffling clues provided in the brain teasers

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3 reasons long-term care could reduce the amount you leave to loved ones

May 2021

The cost of long-term care may reduce your wealth and the amount of money you can leave loved ones. Discover why, and what your options may be.

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What you need to know about scams and how you could better protect yourself from criminals

May 2021

Fraudsters are busier than ever trying to steal your money. Learn five ways they do this, and how you could better protect yourself from scammers.

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10 brilliant ways to get the most from your barbecue and produce fantastic food this summer

May 2021

Planning a summer of barbecues this year? How do you get the most from your barbecue to produce mouth-watering dishes? Discover great tips from three top chefs

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The dilemma of trying to do the right thing

April 2021

Increasingly clients are asking us about the environmental impact of their investment strategy. The dilemma of trying to do the right thing isn't necessarily as straightforward as it might seem as this article from our investment committee partner - Albion Strategic - highlights

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3 practical reasons cash savings could cost you dear

April 2021

You may prefer to keep your money in cash at this turbulent time, but cash savings could erode the value of your money in real terms. Here are 3 reasons why.

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5 powerful reasons to start your financial plan early this tax year

April 2021

Starting your financial plan at the beginning of the tax year means better potential growth could mean less tax to pay. Here’s how.

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Lasting Power of Attorney: is it helpful? 10 powerful reasons you need one (GB version)

April 2021

This Morning presenter Kate Garraway has spoken publicly about the need to create a Lasting Power of Attorney. Here are 10 reasons you should have one.

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Power of Attorney: is it helpful? 10 powerful reasons you need one

April 2021

Television’s Kate Garraway has spoken about the problems she has faced without a Power of Attorney. Here’s why you need to create one.

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How did your behavioural biases affect your wealth in 2020?

March 2021

This year, investment markets have been volatile, and it’s natural to want to react to this. However, research shows those that let financial bias affect their decisions missed out on returns.

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How might the budget affect your budget?

March 2021

The chancellor’s second budget was, perhaps surprisingly, quite restrained in terms of tax rises, but he warned of more to come in the future

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It is difficult to predict, especially the future*

February 2021

Even with perfect knowledge of future events, can we predict what markets are going to do?

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When the music stops

February 2021

Gamestop, hedge funds, reddit - what does it all mean, and does it matter to me?

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When I'm 64 (well, maybe 67 or 68)

January 2021

What is the basic state pension really worth?

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The emperor's new clothes

January 2021

Bitcoin & Cryptocurrency - what's all the excitement about?

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Happy New Year

January 2021

Amid all the gloom, there are signs that 2021 is going to be a better year

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