2025-11-12
Reading your State Pension forecast without the fog
What the forecast letter actually shows, which gaps matter, and when to ask for a National Insurance record check.
Read the noteField Notes
Guides from the advice desk
Short articles on decisions we see in UK financial advice work—written to clarify, not to replace a personal consultation.
2026-02-03
Using the ISA allowance before the tax year closes
Practical sequencing for cash and stocks & shares ISAs when March approaches and cash is sitting outside a wrapper.
Read the note2025-09-18
Drawdown or annuity: questions worth asking first
A decision framework for retirees weighing flexible withdrawals against a guaranteed income stream.
Read the note2026-01-08
Life and income cover for young households
How to size cover against a mortgage and childcare costs without buying policies you will later ignore.
Read the note2025-07-22
Gifts, the seven-year rule, and keeping records
Why timing and paperwork matter when reducing a potential inheritance tax bill through lifetime gifts.
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