Planning for retirement involves a range of important decisions, and understanding how to manage pension funds effectively can make the process clearer. Over time, it’s common for individuals to accumulate multiple pensions from different employers or providers, which can make it difficult to keep track
Many people think retirement planning can wait, but the earlier you start, the greater the benefits. Life decisions like buying a home, changing careers, or reducing work hours all affect your long-term financial picture. Early planning helps you understand these impacts, harness the power of
Whether you are currently facing uncertainty at work or simply want to feel more prepared for any future changes, reviewing your financial circumstances may help you feel more secure during challenging times and better prepare you for what may lie ahead. If you have been
Market volatility can feel unsettling, but history shows recoveries often follow sharp declines. Attempting to time markets risks missing the best days, which can harm long-term returns. Inflation, though slower and less visible, can erode wealth over time even more significantly. The key lesson is
In a recent Q&A, Andrew Sutherland of Acumen Financial Planning addresses a widower’s concerns about potential taxes on his estate, including Capital Gains Tax (CGT) and Inheritance Tax (IHT). Andrew explains that CGT does not apply on death, and beneficiaries inherit assets at their current
In a recent Q&A with The Scotsman, we respond to a reader who grew a £15,000 share portfolio to £56,000 using a classic buy-and-hold strategy. While the reader now faces tax on dividends, they asked if these shares could be moved into an ISA to
Acumen Financial Planning believes in supporting the people and places that make our communities thrive – and that’s why we’re proud to support the Aberdeen Arts Centre. More than just a venue, the Aberdeen Arts Centre is an inclusive space where people of all ages
