The Bottom Line

By Morgan Williams & Co.
A woman having her temperature taken.

3 steps you can take to financially prepare for illness

The arrival of the colder months means preparing for Christmas, thinking about your new year resolutions, and planning to battle illnesses. Whether you’re ill for a few days or you’re diagnosed with a long-term condition, needing to take time off work can have a financial impact. While you can’t predict when you’ll fall ill, there...
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Two children looking at Christmas presents under a tree.

10 toys that are perfect for inspiring creativity this Christmas

If you’re on the hunt for a Christmas present that will inspire creativity in little ones and delight them, look no further. Here are 10 gifts that could be perfect to wrap up and place under your tree. Creative play is any type of open-ended activity where children are encouraged to use their imagination and...
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A couple walking across stepping stones.

3 valuable ways to create a guaranteed income in retirement

According to a September 2025 Financial Planning Today article, 39% of people say a guaranteed income is their main priority in retirement. Knowing how much income you’ll receive from certain sources can provide the certainty you need to enjoy retirement with greater confidence. There are several ways you might create a guaranteed income in retirement...
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Happy couple shopping online

How financial planning could give you the confidence to spend more

The importance of saving is drummed into us from a very early age. As a child, for example, you may have had a moneybox and been encouraged to save your spare coins. As you get older, this extends into saving for university, saving up for a house, saving for retirement, and so on. But what...
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Business people looking at documents in an office.

Investment market update: October 2025

October 2025 proved to be a positive month for many investors, with markets reaching record highs. Read on to find out more about what factors may have affected your portfolio’s performance. Remember to take a long-term view when assessing your investments and consider your risk profile when making decisions. Markets experienced record highs, but investor...
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A group of colleagues sitting around a conference table.

Phasing into retirement: The emotional and financial benefits

Last month, you read about how retirement is changing, with almost half of workers aged over 50 exploring phasing into retirement. There are plenty of reasons why more people are considering a gradual retirement, including the emotional and financial benefits this option could offer. A gradual retirement could help you retain a sense of purpose...
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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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