The Bottom Line

By Morgan Williams & Co.
A group of friends laughing together.

Why you should look on the bright side of life

Are you a glass-half-full person? While some people dismiss optimism as naivety or a tendency to overlook the challenges of life, research suggests that those who seek out the positives could benefit from improved wellbeing. Research gathered by CNN in September 2025 found that people who have a positive, happy outlook live longer. Indeed, a...
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A child carving a pumpkin.

Trick or treat: The “tricks” a financial plan could help you avoid

Taking control of your finances can be frightful. Complex rules that are easy to overlook could mean you fall for a “trick” when making financial decisions this Halloween, but a tailored financial plan could help you avoid falling for them. Here are five financial “tricks” that you might overlook when managing your money, and what...
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Two men sitting together and fishing by a river.

How to impress the only person that matters

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. We all care what people think of us. This is only natural....
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A couple unpacking boxes after moving home.

How the Labour government could change Stamp Duty in the Autumn Budget

On 26 November, the chancellor, Rachel Reeves, will deliver the government’s Autumn Budget, setting out fiscal plans for the year ahead and beyond. There’s speculation that some of the announcements could affect homeowners, including changes to Stamp Duty. According to a September 2025 article from the BBC, the National Institute of Economic and Social Research...
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City of London.

Investment market update: September 2025

There were ups and downs for investors during September 2025, with disappointing economic data dampening the market at times. However, some positive outcomes also emerged. Read on to find out what might have influenced your investment portfolio’s recent performance. Investors turn to gold as market uncertainty continues in September 2025 The price of gold reached...
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A woman talking during a work meeting.

Phasing into retirement: The flexible options you might consider

Traditionally, you’d go from full-time employment to retirement on a set date. Now, more workers are embracing retirement flexibility and choosing to phase gradually into the next stage of their lives. Indeed, a survey published in September 2024 by WTW found that 49% of UK workers aged over 50 are already phasing into retirement or...
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Guide: 12 practical reasons to write a will and name a Lasting Power of Attorney

Thinking about what might happen after you die isn’t easy. It’s hard to imagine the world simply continuing. That’s likely one reason why so many people put off writing a will for “another time” or decide to “sort it later”. But the reality is, none of us know when we’ll die. Having a will in...
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Group of employees meditate in an office

How to improve your wellbeing at work

As 6 – 10 October 2025 marks the International Week of Happiness at Work, it’s the perfect time to reflect on a simple yet valuable truth: Your wellbeing at work is not just a perk. Rather, it’s an important part of modern working life and something that should be a priority. For many of us,...
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A family sitting on a clifftop overlooking a beach.

Your future self is a stranger, and it could affect your financial decisions

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. There is a dilemma at the heart of financial planning that explains...
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