Blog

Most of us insure the car. We insure the house, the boiler, the phone, and often the dog. But the thing that pays for all of it — our ability to get up and earn a living — usually goes uninsured entirely. It's an odd blind spot, and I think it comes down to two...

Going through a divorce is one of the most emotionally and financially challenging experiences a person can face. There is so much to think about — the family home, the children, day-to-day finances — that it's easy for one of your most valuable assets to slip through...

By the time most of us reach our forties, we have worked for four, five, sometimes seven or eight different employers. Since automatic enrolment came in, almost every one of those jobs will have left behind a pension pot. Some are worth a few hundred pounds. Some are...

Ask ten people how much they need to retire early and you’ll get ten different answers — usually a big round number plucked from thin air. “A million should do it.” “Half a million?” The truth is there’s no single magic figure, and chasing someone else’s number is one...

Planning for retirement can be a daunting task. We look at what you need to consider to help you make the most of your hard-earned money and enjoy the retirement you deserve. 1. Don’t rely solely on the State Pension When considering your future finances, it is...

IR35, another name for the off-payroll tax legislations were introduced into the private sector on 6 April 2021. Although the intention was to stop what could be described as underhand tax avoidance schemes and ensure that two people broadly doing the same work would pay broadly the same tax.

The importance of making a budget is a financial lesson that cannot be overemphasized. If you and your family want financial security, following a budget is the only answer. If you're like most people, you probably aren't following expert financial advice by creating...

Myth 1: Financial advice is only suitable for ‘rich’ people Reality: We work with customers with all levels of income and assets. As adviser’s our expertise and technical knowledge can bring value to those with more modest funds to invest. Advisers at LUNA...

We’ve seen some turbulent markets this year, with the repercussions of COVID having a significant impact. Generally speaking, markets have partially recovered but remain extremely volatile. Sometimes investing can seem too confusing, too risky, or 'not for me'. Like...

Having spent over a decade in financial services, I have met many wonderful, intelligent women who have had very little financial control in their marriage, and now find that world perhaps intimidating or frightening.  If this is you, you aren't alone,...