Wealth Insights

Insights on retirement, tax planning, estate and legacy, and lifestyle finance, giving you the knowledge you need to plan with clarity and confidence.

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Lifestyle
17 August 2026

What independent financial advice actually means

If you have started looking for financial advice, you will have come across two words that sound like marketing but are in fact regulated terms with specific meanings: independent and restricted. Very few people are ever told the difference, which is a shame, because it is simple, it is worth knowing, and you are entitled […]

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Geoff Charles

Fresh thinking, regularly.

Women who build businesses deserve wealth in their own name

Lifestyle

Lifestyle
4 min read

Women who build businesses deserve wealth in their own name

Women are starting and running businesses in record numbers. Around 1.8 million women now run their own venture in the United Kingdom, the highest figure ever recorded. Women lead close to one in five active...

Lifetime ISA Explained: Using a LISA to Buy Your First Home

Lifestyle

Lifestyle
14 min read

Lifetime ISA Explained: Using a LISA to Buy Your First Home

A Lifetime Individual Savings Account, usually shortened to LISA, remains one of the most effective tax free savings accounts available to first time buyers in the UK. What sets a Lifetime ISA apart from other...

You have an accountant. Here is why you may still need an independent financial adviser

Business Owners

Business Owners
5 min read

You have an accountant. Here is why you may still need an independent financial adviser

Almost every company owner I meet has an accountant, and rightly so. A good accountant is one of the most valuable relationships in business. What surprises me is how many of those same owners have...

The quiet cost of keeping too much in cash

Lifestyle

Lifestyle
7 min read

The quiet cost of keeping too much in cash

Cash feels safe. It is the money you can see, the balance that never falls, the buffer that helps you sleep at night. I understand the appeal completely, and a healthy cash reserve is part...

Junior ISA Explained: Benefits, How It Works, and How to Maximise It

Lifestyle

Lifestyle
12 min read

Junior ISA Explained: Benefits, How It Works, and How to Maximise It

A Junior Individual Savings Account, known as a Junior ISA or JISA, is the tax free savings account every parent in the UK can open for a child today. It replaced the child trust fund...

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