The Bottom Line

By Morgan Williams & Co.

Your essential guide to cryptocurrency and tax

Cryptoassets are not regulated financial products so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors. As a non-traditional asset, you might overlook paying tax associated with crypto activities. Doing...
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A woman holding cash in her hands.

4 practical factors to consider before saving for retirement outside of a pension

More than half of UK pension savers are also building up retirement savings outside their pension, according to a MoneyAge article (22 December 2025). As pensions provide some useful benefits when saving for retirement, these savers could be missing out. The survey found that people saving for retirement outside a pension were using a mix...
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A man working at a computer.

Why business owners could benefit from working with a financial planner

When you’re establishing a business, it can be easy to neglect your personal finances. You might feel that you don’t have the time, or you simply plan to use your business to support long-term goals. Yet being proactive and working with a financial planner could be beneficial. Here are five reasons to work with a...
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An aerial view of a cargo ship harbour.

Investment market update: February 2026

In February 2026, ongoing uncertainty around trade tariffs and concerns about the impact of AI adoption on business profits affected the markets. Read on to discover some of the factors that may have affected your investment portfolio. Markets reached record highs but were affected by AI concerns and trade tariffs The FTSE 100, an index...
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A woman coaching a girl’s football team.

The component parts to a life of wellbeing

According to research published by Gallup1 in 2010, there are five areas that make up a life of wellbeing: Social Community Physical Career Financial Let’s take a look at each of these and consider whether our relationship with money helps or hinders each aspect of our wellbeing. We’ll then finish by looking at which one...
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If you’re selling your business, a clear plan can help with the financial implications. But it can also make a big difference to your emotional wellbeing, too.

How a financial plan can help you emotionally prepare for selling your business

As a business owner thinking of selling, it could be that you’re focusing purely on the financial benefits of having a plan in place before you start the process. However, the emotional benefits could prove to be just as important. Selling your business can often feel like much more than a simple financial transaction, as...
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Big Ben

Your Spring Statement update – the key news from the chancellor’s speech 

Just over three months after her lengthy Autumn Budget, chancellor Rachel Reeves has addressed the House of Commons and delivered the government’s 2026 Spring Statement. Ahead of the Statement, Reeves reinforced the government’s commitment to “one fiscal event, one Budget, a year”. So, it will come as a relief to many, including business owners, that...
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Guide: 7 key allowances you might want to use before the end of the 2025/26 tax year

The new tax year will start on 6 April 2026, and many of your important allowances and exemptions will reset. Checking whether you could use these valuable allowances before the end of the 2025/26 tax year on 5 April 2026 might help your money go further. Before you make any decisions, ensure that you understand...
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A woman at her computer, thinking carefully.

Fraudsters use crypto hype to scam investors out of more than £500,000 a day

Cryptoassets are not regulated financial products so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors. Cryptocurrency has become a common investment for people in recent years. Indeed, more people...
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