The Bottom Line

By Morgan Williams & Co.
Happy smiling grandparents enjoying time with grandchild at home

8 ways to be a positive influence on your grandchildren

As a grandparent, you hold a uniquely cherished role in a child’s life, offering a blend of love, wisdom, and an important connection to your family’s history. Indeed, research reported in GoodtoKnow highlights the profound effect that grandparents can have on a child’s development, shaping everything from their emotional wellbeing to their cognitive abilities. More...
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A grandfather playing with his young grandson in a park.

4 times you might want to review your financial plan

When you create your financial plan, you might envision everything following the path you’ve set out. However, life is often unexpected, and your plan should be updated to reflect changes to your circumstances. So, as well as your regular meetings, you might want to book additional reviews with your financial planner to ensure your plan...
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A grandmother talking to her family.

Planning for care: Making later-life support part of your financial plan

While many people don’t rely on care later in life, planning for the potential cost of it could help you feel confident about the future and mean you have more options should you need support. According to a December 2021 report from The Health Foundation, people are increasingly living healthier and more independent lives in...
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A woman relaxing with headphones on.

How to remain calm amid Autumn Budget speculation

The importance of remaining calm is often something that’s talked about when discussing investment market volatility. But there are other factors outside of your control that might lead to emotional decision-making, including uncertainty about the upcoming Autumn Budget. Chancellor Rachel Reeves is expected to deliver an Autumn Budget at the end of October. Despite being...
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A woman tending to a garden.

How to change your financial behaviours

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 an old joke that sheds light on the role that...
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Investment market update: July 2025

The US struck trade deals with several countries in July 2025, leading to markets rising and putting an end to some of the uncertainty that had plagued investors for months. Read on to find out what else may have affected your investments recently. While it might seem like 2025 has been a poor year for...
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Investment market update: June 2025

Trade tariffs continued to affect investment markets in June 2025, though uncertainty did start to ease. However, rising tensions in the Middle East may have affected the performance of your investments. Read on to find out more. Remember, it’s often wise to take a long-term view of your investments when reviewing returns, rather than focusing...
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An older woman looks pensively off to one side.

The early signs of dementia that may be important to know

We all become more forgetful as we get older. But can you differentiate what is a normal part of the ageing process and what are the early signs of dementia? Although there is no current cure for dementia, recognising the early symptoms so you can get a diagnosis as soon as possible is still very...
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The age you can access your pension may rise. Could it affect your retirement?

In April 2028, the age you can usually access your pension, known as the “normal minimum pension age” (NMPA), will rise from 55 to 57. So, if you hope to retire at 55, you might need to update your retirement plan. Even if your planned retirement date seems far away, creating a plan now could...
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