Navigating the £100,000 Threshold: Maximising Childcare Support and Tax Efficiency
Many families are unaware that the £100,000 adjusted net income threshold is one of the sharpest “cliff edges” in the UK tax and benefits system. Crossing it, even by £1 triggers three major losses: When combined (especially for families with young children benefiting from the expanded 30 hours free childcare offer), earning a little more […]
Women and wealth: planning around life’s big moments
In summary For many women, money decisions sit alongside life’s biggest milestones. Moments like marriage, motherhood, career breaks, and bereavement can reshape anyone’s finances, but in many cases, women and their finances are more vulnerable to a sudden change in circumstances. For example, women are more likely to pause work or go part-time, whether it’s to […]
How cash flow planning empowers women at every life stage
In summary In this article Kerry Holmes, explores how personalised cash flow planning can help women navigate key life events such as career breaks, caregiving, and retirement by building financial resilience, independence, and long-term confidence, especially in the face of challenges like longer life expectancy, income gaps, and caregiving responsibilities. For many women, financial decisions […]
From fear to freedom: mastering risk in your investment journey
No journey is risk-free. Imagine heading out on a road trip. Even with a well-planned route, things can change – bad weather, roadworks, delays. But you prepare. You pack snacks, plan rest stops, and stay flexible. It’s the same with investing. You can’t control everything, but that doesn’t mean you shouldn’t start. For many women, […]
Thinking of stopping or cutting down on work?
In summary If you’re in the 50-65 age group, you may already have a respectable level of savings and are starting to imagine what life would be like with less work in it! Or perhaps you are not the retiring type. Whatever your thinking is, it’s time to organise your finances to support the lifestyle […]
Women as CEOs of their households: The hidden investment skills
In the UK, more than half of women take on the responsibility of managing household finances. Specifically, women handle about 55% of household financial management.1 From budgeting for groceries, to planning for holidays, paying household bills and arranging annual insurance, we often refer to this as ‘life admin’ but in reality women often take on the […]
Transforming savings into investments
In summary Are you saving instead of investing? Discover why many women shy away from investing and how you can confidently begin building wealth today. Our Wealth Manager, Rachel Evans, discusses why many women prefer saving over investing and how understanding this can help you take steps towards a balanced financial approach. Saving vs. investing: […]
Go with the cash flow
In summary Our Senior Wealth Director, Simon Brookes, tells us how cash flow planning works and says that, even though there’s no crystal ball to consult, measured predictions can be the next best thing. What is cash flow planning? Cash flow planning is an incredibly helpful tool for visualising your financial future. You can plot […]
Unlocking the potential of the gilts market
A new era for gilts Investing in UK government bonds, or ‘gilts’, has undergone significant changes over the past 15 years. This article explores the historical context, the turning point in 2022, and the current opportunities for investors. The past 15 years For much of the past 15 years, investing in UK government bonds wasn’t […]
Empowering the future: the role of women in the great wealth transfer
Setting the stage The great wealth transfer is upon us, poised to reshape the financial landscape. As trillions of dollars are expected to pass from baby boomers to millennials globally1, the role of women in this transfer is crucial. Closer to home, it is estimated that over the next 30 years, around £5.5 trillion2 will be […]