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You’re probably wondering what all of this is about… and that’s understandable, so let me explain. Carl Richards is a Certified Financial Planner and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. He is the author of two books – The One Page

Yep.  You heard it right.  But what does that mean I hear you ask. Well let me explain..   Two 30 year old men from Germany came up with the concept as a joke whilst realising that “everything keeps getting more expensive and building savings is super-hard to achieve”.    They decided

If you’re looking for a financial planner to help advise on pensions, savings and retirement planning, it’s important to understand what they offer and how they work. In this, our second blog on what to ask a financial planner before engaging their services, we look at five more questions to

Do you use the services of a financial planner? Have you thought about doing so but aren’t sure what – or who – you are looking for? According to the Financial Advice Market Review around one in ten adults a year seek advice on investments, saving into

The Budget saw a raft of announcements affecting people and businesses alike, but it was what the Chancellor didn’t do rather than what he did do which is likely to have the biggest impact on individuals.   Below we have summarised the key points

The end of the financial year is usually 5th April (click HERE to find out why it’s earlier in 2021) so now is a great time to look at your finances and make the best use of your tax allowances. There are a number of steps you could take,

This tax year effectively ends on the 1st April 2021. No, this is not an April fool’s joke but the result of a “perfect storm” of dates, days and bank holidays. Maundy Thursday falls on 1st April 2021, which means that Good Friday is 2nd April 2021 – a bank

We spend much of our working lives looking towards retirement as a goal. But actually, retirement is not the destination, it’s only part of the journey – and the harder part can be managing our finances after we’ve stopped working.  Using the analogy of mountaineering, think of working life

Market volatility is inevitable because risk and return are related. The only thing we can control is how we react to it when it does. Here’s a light-hearted look at the emotional rollercoaster of investing using emoji: Investing Explained in Emoji Market volatility can happen for any

As we approach Black Friday it is worth remembering that if we look after the pennies, the pounds will look after themselves. When it comes to investment fees that maxim is worth its weight in gold. Each pound of fees is a pound off your return. The opposite is also

Actually it’s Time in the Market that’s important. As you know, our invest philosophy is index tracking. That means rather than use a fund manager to determine what to buy and when to buy it, we just track the market average. This approach to investing has three significant benefits. The

Over the course of a summer, it’s not unusual for the stock market to be a topic of conversation at barbeques or other social gatherings. That is, once the inevitable Brexit discussion has been put to bed (or banned). A neighbour or relative might ask about which investments are good

It’s an awkward financial position when you have more month than money. Running out of money before the end of the month typically leads to a cycle of debt. Without a robust budget, and the ability to live within your means, this debt can grow beyond manageable levels. But what

Since November 2018, Nucleus have been working behind the scenes on re-vamping their client site. This new interface will enhance the user experience, making it much simpler and cleaner to navigate. They have listened to feedback and completely re-designed the platform. It should now be much easier for clients to

For many years, rampant house price inflation was a decent earner for many families across the UK. In some cases, people were ‘earning’ more from the rising value of their property than they were earning from employment or self-employment. This situation has dramatically changed in recent years, with the gap between earnings and property