Read the latest news and articles from the Gem & Co team
Retirement is the perfect time to add some little indulgences into your life, your reward for navigating the challenges of a lifelong career. They don’t need to be particularly expensive or over the top. But things that will enhance your life, boost your wellbeing, and add a sense of fulfilment to your retirement can all
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When you’re building a business, you might have little time to think about other aspects of your long-term finances. However, overlooking your pension in favour of your business could leave you in a difficult situation when you want to retire. According to a survey carried out by think tank the Social Market Foundation (12 August
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In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. These measures could see estates facing a larger IHT liability, or coming
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After a year filled with uncertainty and rising trade tensions, markets were calmer in December 2025. Find out what may have affected the performance of your portfolio at the end of the year. Market volatility eased in December 2025 Markets were downbeat at the start of the month. Most European markets were in the red
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Retirement is the perfect time to add some little indulgences into your life, your reward for navigating the challenges of a lifelong career. They don’t need to be particularly expensive or over the top. But things that will enhance your life, boost your wellbeing, and add a sense of fulfilment to your retirement can all
Read more
When you’re building a business, you might have little time to think about other aspects of your long-term finances. However, overlooking your pension in favour of your business could leave you in a difficult situation when you want to retire. According to a survey carried out by think tank the Social Market Foundation (12 August
Read more
In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031. Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027. These measures could see estates facing a larger IHT liability, or coming
Read more
Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your financial plan with your partner’s could be valuable. Talking about finances might seem too practical for a day that’s about celebrating love. Yet, it could support your relationship. Here are two reasons why you might
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As 2026 begins, it’s a good time to think about what you want to achieve in the coming months. A tailored financial plan can help you set realistic goals. Creating goals on your own can be challenging, especially if they bring together several different parts of your financial plan or have a long-term time frame.
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Every investor wants to be successful. Over the next few months, you can read about ways to improve your investment strategy. Defining success against the performance of others can encourage a short-term mindset. What “success” means when investing is different for everyone, and defining what it means for you is crucial. You might be tempted
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This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast. Sometimes, when we make major financial decisions, the question of money must
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The start of a new year can be the perfect time to check in on your finances, set goals for the year ahead, and create a plan for how to achieve them. In fact, the Investment Association (6 January 2025) found that 43% of UK adults planned to set financial goals at the start of
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Financial Planning Week 26th January to 1st February 2026 Gem & Co Financial Services is delighted to participate once again in Financial Planning Week by offering complimentary private consultations to individuals seeking financial guidance. What is Financial Planning Week? Organised by The Chartered Institute for Securities & Investment (CISI), Financial Planning Week is an annual
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