Protecting income when you are the main earner
Life cover and income protection are not interchangeable. Each answers a different household risk.
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Notes from the planning desk
Short articles on the questions clients bring to UK financial advice meetings — written to help you prepare, not to replace a consultation.
How we read a State Pension forecast
Your forecast letter hides useful clues about gaps, contracted-out years, and when deferral might still make sense.
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Emergency cash: how much is enough in Wales
Three to six months of outgoings is a starting point — not a rule. Rural households and seasonal incomes need a different buffer.
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Questions to ask before transferring a pension
Transfers can simplify paperwork — or quietly lose valuable guarantees. Ask these questions before signing anything.
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