News

13 Aug 2026
Offshore Bonds – A tax-efficient route to passing on wealth

Offshore Bonds – A tax-efficient route to passing on wealth

As changes to Inheritance Tax (IHT) and Capital Gains Tax (CGT) rules take effect, many investors may be seeking alternative ways to protect their wealth and pass more of it on to future generations. With tax allowances becoming less generous and estate-planning challenges mounting, offshore bonds are attracting renewed interest among individuals seeking greater flexibility…

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30 Jul 2026
Easing returns on your returns

Easing returns on your returns

Many people assume that building meaningful wealth requires large sums of money from the outset. In reality, one of the most powerful forces in personal finance is something far simpler: time. When paired with consistent saving and investing, compound growth can turn modest contributions into substantial long-term wealth. This principle is often referred to as…

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16 Jul 2026
Protecting your income when life takes an unexpected turn

Protecting your income when life takes an unexpected turn

Imagine waking up tomorrow unable to work because of an illness or injury. While many people focus on protecting their home, car or possessions, few consider what would happen if their income suddenly stopped. Yet for most households, regular earnings underpin everyday living costs, mortgage repayments, bills and future financial plans. A prolonged absence from…

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16 Jul 2026
Supporting MND Scotland

Supporting MND Scotland

Each year, our team choose a charity to support throughout the next 12 month period, and in 2025 we chose MND Scotland We have raised an amazing £2,984.89 for MND Scotland.  We’ve held quizzes, tuck shops, bake sales, sweepstakes and some of us even took part in the Dundee Kiltwalk in August 2025. We’re a…

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25 Jun 2026
Global tensions escalate

Global tensions escalate

Geopolitical events are unfolding rapidly. At the time of writing, in mid-March, the course of the current conflict in Iran remained deeply uncertain. The situation appeared to be intensifying amid reports of further threats to Gulf energy infrastructure, production cuts and damage to desalination plants. Talks between the US and Iran in Islamabad ended with…

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11 Jun 2026
Bridging the confidence gap in dementia care

Bridging the confidence gap in dementia care

For many adults in the UK, the middle decades of life are defined by a delicate balancing act. You might find yourself building a career, raising children and managing a household, all while keeping a watchful eye on your ageing parents. This phenomenon has given rise to what experts call the ‘sandwich generation’, a group…

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10 Jun 2026
Why bespoke investment advice matters

Why bespoke investment advice matters

I met with a client this week who was seeking investment management and financial advice. One of the key reasons for wanting financial advice was the upcoming pension changes next year relating to inheritance tax. He is currently with a local wealth manager that was recently acquired by a large national firm, often referred to…

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27 May 2026
Making the most of the new tax year

Making the most of the new tax year

The new tax year brings a fresh £20,000 Individual Savings Account (ISA) allowance for each individual, giving couples the potential to invest up to £40,000 between them, offering a valuable opportunity to shield your investments from capital gains and dividend taxes. With recent cuts to these tax allowances and increases to tax rates, the protection…

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13 May 2026
Protecting your pension from rising prices

Protecting your pension from rising prices

When you’re working, an increase in your weekly shop or energy bill is frustrating but manageable, typically offset by salary increases over time. In retirement, with income fixed at pensions or savings, rising prices can threaten your financial security. Without a plan, everyday cost increases may erode your hard-earned savings. Recognising which areas are most…

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28 Apr 2026
Missing Wills and pensions

Missing Wills and pensions

Research has revealed a concerning trend among UK families: a significant number are unaware of where critical documents, such as Wills and pension policies, are stored. This lack of organisation could cause unnecessary delays, stress and even financial penalties during bereavement. Nearly half (47%) of couples admit they do not know where their partner’s Will…

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