In this blog:

1. The new tax rates and allowances

2. The student loan interest rates and income thresholds

3. What is S&P talking about? Active v passive

4. Cool runnings?

5. Transitional certificates

6. Investment maths – 51.5p share price, 34.4% discount

In this blog:

1. Is cheaper better in investments?

2. What are you expecting?

3. It’s not just you – the proof

4. Chapter 5 – your retirement

5. This is the new Key Chart

In this blog:

1. We have a huge amount of respect for Christine Lagarde

2. If you like a lot of chocolate on your biscuit…

3. Investing in reverse

4. Remember Harry Patch

5. What a discretionary portfolio looks like – and what they charge you. Or, this is what Consumer Duty is all about.

6. Valuations and hot air

7. “I need a pension of £60k per year, I’ve got £90k in my pension”

8. Pay rises in 2023 – what’s in your wallet?

In this blog:

1. Buy your pension at a discount

2. The maths is simple

3. Putting the jigsaw pieces together – use the data, not the crystal ball

4. Recycling your ISA – don’t forget it

5. Are you wealthy? How do you rate?

In this blog:

1. Inflation versus dividends: the relevant data

2. The Rolls Royce Pension Scheme, or, ‘Why doesn’t everyone do this?’

3. Fees, charges, costs and commissions

4. Commission or fee – what’s the difference?

5. Handouts to the kids

6. Help – she’ll just spend it

In this blog:

1. Talking about racing cars and autogyros, have you done your LPA?

2. Open or closed? Differences between investment trusts and unit trusts

3. The SONG and dance

4. The tax man speaks – Lifetime Allowance update

In this blog:

1. Capital and income are not correlated

2. Boringly predictable

3. Inflation – what goes up must come down

4. And while we’re here… is this a trigger?

5. Solicitors look away now

In this blog:

1. The Magic Money Machine

2. £90,000 per year, net, for life, inflation adjusted. The aNewuity: when ‘pension’ means ‘income’.

3. “What were you thinking?”

In this blog:

1. Get one investment decision right per year

2. Interest rates – running away with the money

3. Ahhh Google, what have you done?

4. If the money feels tight, consider the pricing involved in the tech you are buying

5. A tale of two mortgages

In this blog:

1. Example: National Grid 2024 5.875%

2. All 747’s are planes, but not all planes are 747’s

3. Lifting the lid on part of our analysis

In this blog:

1. Get the size right – too big can be catastrophic

2. Getting the size wrong can be fatal as well

3. Rachel Reeves and the Lifetime Allowance Show

ISAs, or Individual Savings Accounts, have been around for over 20 years – since Google had its debut and Bill Clinton was impeached. Rewind to 1999, and the Chancellor Gordon Brown introduced the product in the hope of encouraging us to save more for the future. Since then, they’ve become an essential part of many a financial plan.

One of the key aims of the ISA was to make saving simple. However, as with many things finance-related, successive governments have tinkered with parts of ISAs, added new products and altered limits. The net result is that picking an ISA product and understanding how to make the most of your allowance is not quite as simple as it was initially meant to be!

Our free, 12-page essential guide to ISAs talks you through what an ISA is, the different types of ISAs and why should you choose one.

The Telegraph runs a weekly column called the Telegraph Money Makeover – readers write in if they are seeking help with their finances and the journalist of the day contacts firms like ours to ask if we’d like to write in with recommendations in return for getting name-checked in the paper (we’ve been there several times over the last few years)…

In this blog:

1. The 5 ways to get income from your pension

2. Bonds at that mythical 5%

3. Never pay full rate 40% or 45% income tax again

In this blog:

1. Question 1 – do you need your income guaranteed or not?

2. Question 2 – is this an area of your expertise?

3. Possible vs probable vs guaranteed

4. The most important element of the objective

In this blog:

1. Periodic active v passive reconciliation

2. The Vanguard question

In this blog:

1. The $12.5 million idea

2. Moneyball for pensions

3. We are data analysts

4. Good recipe, but what’s the cake like?

5. So long, farewell

6. And Alan did run

7. Almost Methuselah

News comes that Britain cleans up in the first ever litter picking World Cup. A UK team were crowned champions in Japan after collecting 83 kilos of rubbish in just 45 minutes…

In this blog:

1. “Is the manager in?”

2. You don’t need to calculate the distance to the sun, remember Pythagoras, or measure the visibility to see the horizon.

3. Do you have £1 million?

It is only a few years ago now that the cash till in our local was nothing more than a wooden drawer slung under the rear counter. No one paid by card. John, the tenant landlord, would work out his cellar order with notebook and pencil and phone it in…