The Bottom Line

By Morgan Williams & Co.

Guide: The surprising benefits of choosing a “living legacy” for your loved ones

Leaving wealth behind for your loved ones may be a priority when developing your financial plan. After all, you’ll likely want to see your family thrive and an inheritance could help them achieve important goals in life. Traditionally, you would transfer wealth to your loved ones when you passed away, leaving instructions in your will...
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Someone touching grass.

Why a change of location could help you get out of a “creative rut”

If you’ve ever struggled to find motivation, you’ll know how draining it can feel to push through and finish your work. Getting out of a rut can be difficult, but is far from impossible. Finding a way to boost your creativity and approach your work with fresh eyes can help you leap back into your...
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A woman holding shopping bags while on her phone.

How to spot a real deal during Black Friday sales

Spotting a great Black Friday deal might be harder than you think – especially after Which? reported that 98% of products that were on sale in 2021 were cheaper or the same as their Black Friday price at other times in the year. In fact, 86% of the items had also been the same price...
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A woman talking on the phone at home.

The voice cloning AI scam you need to be aware of

Artificial Intelligence (AI) is providing scammers with new ways to try and dupe you. One type of scam that’s on the rise that you should be aware of is “voice cloning”. Voice cloning uses AI technology to replicate the voice of a friend or family member. Fraudsters then use this to contact you to ask...
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A young couple meeting with a financial planner.

5 smart reasons why retirement planning should start in your 30s and 40s

If you’re working and contributing to your pension, you might think you don’t need to do any more retirement planning just yet. However, seeking retirement advice in your 30s and 40s could mean you’re in a better position when you’re ready to give up work. According to a survey published in IFA Magazine, putting off...
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A couple looking at paperwork together in their home.

10 financial tasks to complete this year to head into 2025 feeling confident

The end of the year is fast approaching, and while your mind might be on celebrating the festive period, it’s the perfect opportunity to tick off some financial tasks you might be putting off. Spending some time going through your finances and thinking about what you want to achieve next year could help you step...
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A bricklayer working on a construction site.

Investment market update: October 2024

While inflation is stabilising in many major economies, markets continue to experience some volatility, which may have affected your investment portfolio. According to the latest International Monetary Fund’s Global Financial Stability Report, markets could be underestimating the risks of conflicts and upcoming elections. Indeed, the rising price of gold suggests some investors are seeking a...
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exterior of HM Treasury, London

Your Autumn Budget update, and what the Budget means for you

Almost four months after Labour won the general election, chancellor Rachel Reeves has delivered her 2024 Autumn Budget, outlining the government’s plans for this tax year and beyond. Arguing that the July general election had given Labour a “mandate to restore stability and start a decade of renewal”, Reeves described it as “a Budget to...
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An elderly couple riding their bikes in the park.

6 lifestyle tips that could reduce your biological age

New research and real-life case studies have recently revealed that it’s possible to slow – and even reverse – your biological age. Read on to discover more about how your biological age is measured, and six simple steps you could incorporate into your routine to enhance your life. What is your “biological age”? We’re used...
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