2025-11-12
What a UK financial review should cover before you move a pension
Before consolidating old workplace pensions, check charges, guarantees, and how the move affects tax-free cash — a practical checklist for British savers.
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Notes from the advice desk
Short articles on the questions clients bring into UK financial advice meetings — written to clarify, not to sell a product.
2025-09-03
Emergency funds for Scottish households with uneven income
How much cash buffer makes sense when overtime, seasonal work, or freelance invoices arrive irregularly — with a simple three-bucket approach.
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2025-07-18
Life cover versus income protection: choosing by obligation, not by brochure
Family outgoings, mortgage terms, and workplace sick pay should drive protection choices — not whichever policy appears first in a search result.
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2025-05-22
Reading a personal financial advice letter without the jargon fog
A plain-English walkthrough of suitability letters, risk descriptions, and ongoing service sections so you know what to query before you sign.
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2025-03-08
State Pension timing and private pots: sequencing decisions in your late fifties
How delaying the State Pension, drawing ISAs first, or tapping a personal pension early can change cashflow in the first years of retirement.
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