You might already know that salary sacrifice can be a practical way for your employees to bolster their retirement funds, while reducing their tax liability.

However, in the 2025 Autumn Budget, the government announced changes to how salary sacrifice is treated for National Insurance (NI) purposes.

From April 2029, a new cap will be introduced, limiting the portion of pension contributions exempt from NI to £2,000 a year.

While 2029 might seem a long way off, this is the ideal time to think carefully about how you and your business migh...

When you take out a mortgage, you pay interest on the amount you borrow, and the bank rate set by the Bank of England (BoE) can affect your repayments. Read on to find out why and how the bank rate could affect you in 2026.

Explained: The Bank of England’s bank rate

The “bank rate” or “base rate” is the interest rate set by a country’s central bank, the BoE in the UK. This is the rate that the BoE pays commercial banks for holding their money, or charges them when they borrow.

As a consumer, you don’t directly pay the bank rate. However...

Every investor wants to be successful. Over the next few months, you can read about ways to improve your investment strategy.

Defining success against the performance of others can encourage a short-term mindset.

What “success” means when investing is different for everyone, and defining what it means for you is crucial.

You might be tempted to measure success by achieving a certain average annual return, selecting the best-performing stock, or beating market averages. While these can be useful indicators of your portfolio’s performance...

From introducing a “mansion tax” to creating a separate tax for property income, the November 2025 Budget included several announcements that could affect landlords. Here’s what you need to know about four key changes.

1. Property income will be taxed at a higher rate from April 2027

The major change announced in the Budget that will affect landlords is that, from April 2027, property income will be taxed separately from other sources.

Income derived from property will be taxed at a rate 2% higher than the standard rate of income tax. F...

AI adoption has rapidly increased in recent years, and it has affected the stock prices of businesses operating in the sector. Find out more about the financial biases that could be driving this boom.

The rise of Nvidia, which provides essential hardware and software for AI development, demonstrates the scale of the AI boom.

In 2023, Nvidia became the seventh US company to reach a valuation of $1 trillion (£0.74 trillion). Just two years later, the BBC reported (9 July 2025) that Nvidia became the first company in the world to surpass a ...

After a year filled with uncertainty and rising trade tensions, markets were calmer in December 2025. Find out what may have affected the performance of your portfolio at the end of the year.

Market volatility eased in December 2025

Markets were downbeat at the start of the month. Most European markets were in the red on 1 December, including Germany’s DAX (-1.2%), France’s CAC 40 (-0.55%), and the UK’s FTSE 100 (-0.13%).

The Bank of England (BoE) carried out stress tests on 2 December, which all major banks involved passed. This led to...

The start of a new year presents a great opportunity to set out your goals and aspirations for the coming 12 months. For others, it can also mean new beginnings, new challenges or simply a fresh start.

No matter your mindset for 2025, now is a great time to review your financial goals and plans for the year ahead. Whether it’s finally getting onto the property ladder, safeguarding your family’s health and financial wellbeing, or thinking about plans for retirement, the right advice can help you on the path to identifying new opportunitie...

What is a Lasting Power of Attorney (LPA) and do I need one?

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime. The people you appoint to manage your affairs are called the attorneys. An LPA is a completely separate legal document to your will although many people put them in place at the same time as getting their will written, as part of planning for their future.

What does a Lasting Power of Attorney (LPA) cover?

There are two ...