The Bottom Line

By Morgan Williams & Co.
A father walking outdoors with his adult son.

Why the best legacy could be passing on your financial wisdom

If you want to help younger generations, passing on this pearl of wisdom could be key – start saving for your future as soon as possible. Many people think about their legacy when setting out their long-term goals. You may have considered gifting during your lifetime or how you’d like assets to be distributed after...
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A woman watering indoor plants.

How to use an unexpected windfall to create long-term prosperity

If an unexpected lump sum lands in your bank account, you might be tempted to splash out and treat yourself. However, using a windfall effectively could create long-term prosperity. There are plenty of reasons why you might suddenly receive a cash injection. Perhaps you’ve received a bonus from work or inherited assets. Whatever the reason,...
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A father playing football with his young son.

Financial protection: The key options that could protect your lifestyle and family

Financial protection could provide you with a cash boost when you need it most, and there’s more than one type to consider. Last month, you read why financial protection provides a crucial safety net should you face an unexpected shock. Now, read on to find out more about some of the key options. 2 forms...
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A couple hiking in the Lake District.

Does money make us happy?

This guest blog was written by Chris Budd who wrote the original Financial Wellbeing Book, and also the Four Cornerstones of Financial Wellbeing. He has written more than 115 episodes of the Financial Wellbeing Podcast and founded the Institute for Financial Wellbeing. Whether money makes someone happy is a question that provokes many different opinions....
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A child playing with wooden shapes.

Essential estate planning steps that could protect young family members 

When you’re creating an estate plan, there are a lot of areas you might need to include, from considering tax liability to naming your beneficiaries. It’s an important part of your financial plan and, if you want to protect or provide for younger family members, there might be some additional steps to take. In simple...
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Investment market update: April 2025

Investment market update: April 2025

Once again, US president Donald Trump’s trade tariffs have affected investment markets throughout April 2025 and could have far-reaching implications over the coming months. Indeed, UN Trade and Development now predicts that global growth will slow to 2.3% in 2025, compared to 2.8% last year. While experiencing volatility can be daunting as an investor, remember...
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Workers in a warehouse.

Investment market update: March 2025

Trade wars and fears that tariffs could spark recessions meant investment market volatility continued in March 2025 and the start of April 2025. Read on to find out more about some of the factors that may have affected the value of your investments recently. Tariffs imposed by US President Donald Trump affected markets negatively and,...
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Someone using Zoom to talk to a person.

The AI technology that means you need to be vigilant for scams more than ever

AI technology is presenting lots of opportunities for businesses to improve efficiency, but it’s also being used by scammers. To protect your assets, it’s more important than ever that you’re vigilant and aware of how criminals might target you. While you might think of scams as being rare, they could be more widespread than you...
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A band on stage at a gig.

Why an effective financial plan might involve spending more

When people think about financial wellbeing, they often link it to frugality or building wealth. Yet, an effective financial plan isn’t always about that, sometimes, it might make sense to spend more. It can be difficult to get your head around. After all, as a child, you’re often taught that being sensible with money means...
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