Journal
Guides
Short articles on decisions we meet repeatedly in UK financial advice work — written for clients mid-conversation, not for generic productivity tips.
When to claim State Pension if you still have consulting income
Delaying the State Pension can raise the weekly rate, but only if your other income and tax position make the wait worthwhile.
Reading a defined-benefit transfer value without panic
A cash equivalent transfer value looks like a lottery win until you compare it with the lifetime income you would give up.
Emergency cash for couples with uneven incomes
Joint household buffers work differently when one salary is steady and the other arrives in uneven invoices or commissions.
Gifting to adult children without starving your own care fund
Helping with a house deposit feels generous until care-home fees arrive a decade later with no liquid reserves left.