Now that we are in the new tax year, many allowances reset. It is often a good time to review your finances and ensure that your savings and investments are as tax efficient as possible.
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Money Agony Aunt: I have maxed out my ISA allowance. What else could I do to make sure I am tax efficient?
ISAs can be great accounts. Your cash and investments are shielded from most taxes, but there is a limit to how much you can put into these accounts. Here, we look at some of the options available once you have contributed the maximum into the ISA.
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Education: What is an ISA?
The letters stand for Individual Savings Account. While the name may sound fancy, the concept is actually simple. In this article, we look at these popular accounts, their features and how much you can contribute to them.
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What does the Spring Statement mean for your finances?
Our Spring Statement 2026 article highlights the key points from the Chancellor’s update and explains what it could mean for your finances ahead of the 2026/27 tax year.
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End of tax year checklist
As we approach the end of the tax year (last day 5 April 2026), it is often a good time to review your finances to make sure that you are making the most of the various allowances on offer. Acting now can improve your tax efficiency, optimise your savings and investing, and help plan effectively for the future.
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Tax on dividend income explained
Dividend tax rates are changing from 6 April 2026. We delve into how dividends are taxed. If you rely on dividend income to fund your lifestyle, we also look at some tax efficient alternatives.
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What does the increase in the Financial Services Compensation Scheme limit mean?
From 1 December, the protection limit for savings in the UK will increase to £120,000. We delve into what this means for you and your cash reserves.
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Autumn Budget Newsletter 2025
Our Autumn Budget Newsletter breaks down the Chancellor’s Autumn Statement, outlining its impact on individuals.
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Money Agony Aunt: I would like to save and invest for my godchild. What’s the best way to do this?
Growing a pot for your godchild is a valuable gift for their financial future, especially if it goes hand-in-hand with developing their financial literacy.
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Guest article: Defining your desired lifestyle with Lisa de Laroy, Leadership and Career Coach
When people walk through our door, we often start by asking about their goals. A simple question perhaps, but one that can be difficult to answer. For this reason, we have invited Lisa de Laroy, Leadership and Career Coach at Core Guidance, to explore some concepts and tools that could help get you started.
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Money Agony Aunt: Is the home that I own an asset for the purpose of wealth building?
The extraordinary house price growth that we have witnessed in the past has contributed to a mindset that housing is the best way to accumulate wealth. Therefore, the question as to whether this is the case is a pertinent one.
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Helping the next generation get on the property ladder: Gifting vs loaning a deposit
One of the most common questions that we get asked is how to help the next generation get on the property ladder. Two common ways are to gift money towards a deposit or loan it. We caught up with wealth manager Dasha Plotnikova and Oportfolio’s senior mortgage & protection adviser Jade Pinkerton about gifting and loaning a deposit.
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Education series: Collectives
Welcome to our Education series that aims to explain various investment concepts in a friendly, clear, and precise format.
Here, we dive into another popular asset class, collectives, otherwise known as funds.
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Money Agony Aunt: What is compounding and when does it start making a significant difference?
Compounding is a fundamental principle when it comes to investing and creating wealth.
Compounding is the idea that if you invest money into something and it grows over time, its value can increase exponentially. In other words, it might not seem to grow very much at the start, but eventually it gains momentum.
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Compounding is the idea that if you invest money into something and it grows over time, its value can increase exponentially. In other words, it might not seem to grow very much at the start, but eventually it gains momentum.
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Education series: When not to invest
At Raymond James, Fulham, we really enjoy picking investments, managing portfolios and helping clients obtain financial security and achieve their goals. We feel that investing, when done properly, can provide significant benefits. However, there are times when investing is not right for individuals and we believe it is important to highlight when this might be.
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Education series: Gilts – a golden investment?
Gilts, or to use their proper term gilt-edged securities, are bonds issued by the government. They have been enjoying a renaissance. In this article, we dive into how gilts work and why they can be an attractive investment.
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Education series: Equities
When people talk about investing, they are usually talking about equity investing. Stocks, shares and equities are all interchangeable names for the same thing – owning a “piece of the pie”. In this article, we will explain what equities are and why you may want to hold them, as well as a few of the key risks to be aware of.
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Money Agony Aunt: I want to start investing for my child. Where do I start?
There are various ways in which you can start building a nice little nest egg. In this article, we highlight some key considerations before you begin, and explore some common investment products so that you can give the next generation a good start in life.
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Money Agony Aunt: What happens when my income is between £100k and £125k?
You have entered the dreaded 60% income trap. As a higher-rate taxpayer, you may firstly expect to be paying the usual 40% income tax. Unfortunately, when your income enters this range, this might not be the total deduction. Find out what happens in this tax bracket and what you can do about it.
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Education series: Cash
Cash is a much-debated asset class. Some believe that “cash is king”, others point to how the value of cash is eroded by inflation. In this article, we explore the role of cash in personal finance and making it work for you.
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