David Hardy - Adviser at LSM Wealth

Sadly, this is something I experience regularly with new clients, just making some small changes can make a big difference long term...
Millions of workers are not saving enough for retirement. Pensions UK warns that without action from government, employers and savers, too many people risk a cliff-edge drop in income when they stop work.

Pensions UK Report: Figures paint dire picture of nation’s saving Pensions UK Report: Figures paint dire picture of nation’s saving

One of the biggest advantages of saving and investing for the next generations is time. As there is a longer time frame to save and invest, children and grandchildren can benefit from the power of compounding.

Saving and investing for children and grandchildren Saving and investing for children and grandchildren

Here we explore five allowances you can use before the end of the tax year on 5 April. Using available allowances should become an annual habit to ensure your financial plan is in the best possible shape.

Five allowances to use before tax year end Five allowances to use before tax year end

All of us have different worries at certain stages of life, but one issue most of us are likely to have to face at some point is money.
Over recent years, the rising cost of living has affected people in different ways.

Time to Talk Day – why talking could improve financial wellbeing Time to Talk Day – why talking could improve financial wellbeing

Unfortunately, a very difficult time for all concerned when a marriage gets to this point. This guide provides action points, and a very useful guide for your future self.

Getting a divorce - five financial tips to help you through the process Getting a divorce - five financial tips to help you through the process

Spreading your money across different types of investments can reduce your risk and gives you greater choice in later life on how you draw your retirement income. An essential part of your forward planning.

Making your pension and ISA allowances work for you Making your pension and ISA allowances work for you

The UK tax system is complex, and prone to change, as seen in the recent Autumn Budget. A regularly updated tax plan can help you navigate the maze and maximise reliefs and exemptions available to you.

The power of having a tax plan in place The power of having a tax plan in place

Anyone can be the victim of a pension scam, no matter how financially savvy they think they are. Scammers are using ever more elaborate tricks To fool people so it's important to look out for the warning signs.

Are you being (pension) scammed? Are you being (pension) scammed?

People rarely wake up one morning and decide to find a financial adviser. There’s usually a trigger, and often it’s a personal one.
From getting married and buying a home to retirement or moments of loss, milestones in life can spark a search for some financial advice.

Real Life Advice Report 2025: Chapter 1 - Why milestones often spark the search for financial advice Real Life Advice Report 2025: Chapter 1 - Why milestones often spark the search for financial advice