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

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

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