When a workplace pension statement is worth reading twice
What the charges page and fund list actually tell you before you ask for a transfer pack.
Read articleJournal
Notes from the advice desk
Short articles on pensions, inheritance timing, and the practical decisions that come up in UK financial advice and consulting work.
Gifting money before a house sale clears
Why timing gifts around a property completion date can create more inheritance tax friction than families expect.
Read article
Director pensions when trading is uneven
How owner-managers can keep retirement funding moving without starving a quiet quarter of working capital.
Read article
Emergency funds before ISA top-ups
A simple sequencing rule we use in personal planning meetings when clients want to invest every spare pound.
Read article