Portrait of an extended family with their pet dog sitting at the park

If you’re a parent you should have a Will

Wills are essentially about stating what you want to happen with your property in the event of your death.  You may never have thought of your children as your property, but you do need to think about what will happen…

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Sad and scared female Young woman with computer laptop suffering cyberbullying and harassment being online abused by stalker or gossip feeling desperate and humiliated in cyber bullying concept.

Are we taking care of the vulnerable?

Who is vulnerable?  At an individual level, we might all come up with different answers to that question (although there might be a lot of overlap between them).  The Financial Conduct Authority (FCA), however, has a very specific definition of…

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Portrait of an extended family with their pet dog sitting at the park

You can’t put a price on peace of mind, but you can buy insurance

Everyday frustrations and challenges are a part of life.  Maybe it’s a commute where you never get a seat no matter how tired you are, an annoying colleague or a day just not working out how it was supposed to. …

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How relevant life policies help to deal with death and taxes

Death is inevitable, taxes can often be managed to some extent.  Using relevant life policies instead of life insurance can be an astute way to help those who are left behind after a bereavement without incurring a hefty tax burden….

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Brainstorming process. Photo young business crew working with new startup project.Notebook on wood table. Idea presentation, analyze marketing plans.

Protecting your company from 21st-century threats

There is really nothing new about the concept of companies needing to protect themselves against the threat of being targeted by malicious actors.  It is, however, fair to say, that the nature of these threats changes over the course of…

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Is it time to say goodbye to annuities?

Times change but sometimes it can take a while for established systems to catch up with this fact. For example, it took until 2015 for the law to recognise that using a pension pot to buy an annuity was not…

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Could a death in your company kill your business?

People are a company’s most important asset.  It may be one of the greatest cliches in the business world, but it is also true.  The main reason for this is that people can’t simply be replaced the way many business…

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How Relevant Life Cover for Your Employees Can Cut Your Tax Bill (and Theirs)

All employers will understand the challenge of attracting and retaining employees without overspending.  The good news is that headline salary, although obviously important, is only one of a range of factors which employees consider when deciding whether or not a…

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How would you cope if you lost everything?

Although the highs and lows of the stock market can make for great entertainment, in reality, being up one minute and down the next can be enough to make the average person feel seasick, if not worse.  Investment tends to…

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Cheerful fit women sitting in the yoga class

Women are building wealth not saving it

According to the Global Wealth Report (GWR), women now hold about 40% of the world’s wealth.  In other words, they are tantalisingly close to achieving wealth equality with men.  While this is, of course, cause for celebration, there are two…

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