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

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

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

In a recent Q&A with The Scotsman, Wendy Morrison, Associate Financial Planner at Acumen, explains why long-term investors often achieve better outcomes by holding their nerve, staying focused on their goals and resisting knee-jerk decisions.

The start of the new tax year warrants as much planning as the end of the old tax year.    While the end of the tax year on 5 April is a major focus of tax

As Lawyers progress their career, they may have the opportunity to become an Equity Partner in the legal firm that they work for. Many legal firms operate as a Limited Liability Partnership (LLP).  This means

In a recent article from The Scotsman, Financial Planner, Andrew Sutherland considers Inheritance Tax, using a case study example to highlight the common misconception that IHT only applies to the wealthiest. Read the full Q&A

In a recent article from The Scotsman, Chartered and Certified Financial Planner, Paul McCabe, emphasises the importance of comprehensive financial protection for families. He notes that while many individuals have substantial life insurance, often through

If you are considering the best ways to protect your wealth and plan for the future, Director and Certified & Chartered Financial Planner, Rhian Morgan, discusses with The Scotsman the importance of having the right