Author: Lloyd Kafton
The Inheritance Dilemma: Should You Spend or Pass On Your Wealth?
If you’ve spent years building wealth, there’s a point where the question shifts from how to grow it to what to do with it. Should you enjoy it while you can? Pass it on to family now? Or preserve it for future generations? There’s no one-size-fits-all answer, especially in 2025, with changing tax rules, rising […]
Posted in IHT Planning
Are You Making These 6 Financial Mistakes in 2025?
(Score Yourself and See) We all want to feel in control of our finances, but even the most switched-on people make money mistakes without realising. In 2025, with tax rules shifting, markets wobbling, and pensions facing new rules, it’s a great time for a personal finance check-in. Here’s how it works: Read each statement below. […]
Posted in Financial Planning
Trump’s Tariffs and Market Volatility: Why Multi-Asset Funds Still Win
Another Trump presidency. More talk of tariffs. And once again, investors are asking the big question: what does this mean for my money? The headlines are noisy, the market reactions are swift and while panic might feel like a natural response, it rarely leads to good outcomes. In times like these, calm and clarity win. […]
Posted in Financial Planning, Investments
How Global Events Could Impact Your Wealth This Year
We live in a world where everything is connected, and recent global events, like ongoing geopolitical tensions and the economic shifts after the 2024 elections, have made that clearer than ever. Things like inflation spikes, stock market swings, and changing government policies can all have a big impact on your finances, so staying informed is […]
Posted in Financial Planning
Should You Chase the Next Big Investment Trend?
Why Investors Chase Trends Cryptocurrency booms, meme stocks, AI-driven companies and green energy surges… what next? The investment world is full of buzzworthy trends, and the idea of jumping on a high-growth opportunity is appealing. The fear of missing out can drive investors to make impulsive decisions. But is following trends a reliable way to […]
Posted in Financial Planning, Investments
How Delaying Your State Pension Could Impact Your Retirement
When it comes to your state pension, timing is everything, and many retirees wonder if waiting a bit longer is a smart move. Should you claim it as soon as you’re eligible or wait to get a bigger payout? While delaying your state pension can lead to a higher monthly income, it’s not always right […]
Posted in Pensions, Retirement Planning
How to Secure a Mortgage as a Self-Employed Professional
Being self-employed comes with many perks – flexibility, independence, and control over your career. However, when it comes to getting a mortgage, it can feel like the odds are stacked against you. Unlike salaried employees with a stable income, self-employed individuals must jump through a few extra hoops to prove their financial reliability to lenders. […]
Posted in Mortgage
How Much You Really Need For A Comfortable Retirement
Your retirement should be a time of relaxation and enjoying the fruits of your labour from a lifetime of work. However, too many individuals underestimate how much is required for a comfortable retirement, or what is classed as a comfortable retirement in the first place. This article will explore the different levels of retirement and […]
Posted in Financial Planning, Retirement Planning
Why Doing Nothing Could Be The Best Investment Strategy
Doing nothing might sound like terrible financial advice, but when it comes to the investment game, it could be the best advice there is. Of course, doing nothing comes after you get your strategy off and running, but in this article, we’ll explore the benefits of a hands-off approach for your investment portfolio. We’ll also […]
Posted in Financial Planning, Investments
What Labour’s Mortgage Guarantee Scheme Extension Could Mean For First-Time Buyers
Getting onto the property ladder may feel like a pipe dream to many young people, with house prices and mortgage rates skyrocketing in recent years. It’s also difficult to save for a deposit with living costs increasing and high inflation, but the Mortgage Guarantee Scheme could be a game changer in 2025. Originally introduced in […]
Posted in Mortgage