Earlier this month in November 2025, after a close call vote of 5 to 4, The Bank of England left the UK base rate unchanged at 4%, despite the hopes of many people that it would be reduced. Whilst some analysts had predicted a cut following the November vote of the Monetary Policy Committee, with a Bank of England inflation target of 2% and current consumer inflation rate significantly higher at 3.6%, it wasn’t a surprise that the rate was held at 4% in order to try and dampen the consumer...

Cash flow modelling is a way of providing a valuable insight into your potential future financial situation based on your current position. Assumptions are built in to consider factors such as future inflation and client specific investment returns. This is an essential tool to help you to understand how your finances might progress over time, illustrating when you might have either a shortfall or a surplus in money, allowing you to make informed decisions about your saving, spending, and...

After interest rates fell to rock bottom from 2008 and remained there for a sustained period, annuity incomes represented poor value for money for most and many people discounted them as part of their overall retirement income planning. More recently, as rates have recovered and remained at their current levels, the annuity market has rebounded and is currently bustling. Annuity incomes have now stabilised and are once again becoming a key part of people’s retirement strategies. So what's...