There are two dates we should all have in our minds each year: 31 January (Self Assessment) and 5 April (the end of the tax year, when many key allowances reset).
And yet, for some reason, plenty of sensible people still leave decisions to the last minute.
Read MoreIf you purchased Bitcoin in May 2016, the return to 3 March would be 16,189.17%. In simple terms, £10,000 would now be worth just over £1.6 million.
For many early investors, this wasn’t a carefully modelled plan. It was more like stepping into uncharted territory, a pioneer move, with no real certainty about how it would play out.
Read MoreHeadlines matter. They draw people in.
We could easily retitle this article “£250,000 Needed for a Comfortable Retirement”; it would almost certainly generate clicks. But the truth is that the figure would be entirely arbitrary.
And that’s the problem with how retirement is often discussed.
Read MoreWe recently started a short series on crypto, driven by a growing number of conversations with clients looking to realise gains and diversify their assets.
In many cases, these are early adopters, people who have lived through crypto’s highs and lows and are now moving from asking “Was this a good investment?” to a far more important question:
Read MoreBetween 2011 and 2025, Bitcoin delivered an annualised return of approximately 96% in sterling terms, according to data from Curvo. It is a staggering figure.
Read MoreEach year begins with good intentions. Yet research consistently shows that most people abandon financial goals long before the year ends. The challenge isn’t a lack of motivation. It’s distraction.
Read MoreMany parents worry that their pension will be a poor inheritance for their children, especially with recent headlines about inheritance tax and changing pension rules.
It’s an understandable concern.
The reality, however, is far more reassuring.
Read MoreWhen people think about saving for retirement, the conversation often becomes a straight comparison:
ISAs or pensions – which is better?
In reality, this is rarely the right question.
Read MoreEstate planning is rarely about a single decision or document. It is an ongoing process that evolves as your wealth grows, your family circumstances change, and tax rules develop.
Read MoreOver the last few months, we’ve explored several core themes around retirement, from sustainable income and the State Pension to inflation and longevity. At Ifamax Wealth Management, our journey began more than 20 years ago, and from the very start, we approached financial planning differently.
Read MoreThe State Pension has been part of the UK’s financial landscape for more than a century, but its purpose—and the way we plan around it—has changed dramatically over time. At Ifamax Wealth Management, our Bristol-based financial planners help clients understand how the State Pension fits alongside their wider retirement strategy, ensuring it becomes a foundation for a secure, tax-efficient future.
Read MoreThe 2025 Budget introduced several significant tax, pension, property and investment reforms. While Budgets often create noise and speculation, the real value lies in understanding what has genuinely changed and how these measures may influence long-term financial planning.
Read MoreBuilding a business is rarely straightforward. In the first year, around 94% of new businesses survive; however, by the fifth year, this drops to approximately 40%, according to the Office for National Statistics.
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When planning for retirement, most people focus on market risk. But one of the biggest threats to your future lifestyle isn’t stock market volatility; it’s inflation.
Read MoreRetirement today looks very different from that of our parents or grandparents. Defined Benefit (final-salary) pensions, once the backbone of retirement income, are now available to only a small minority of people.
Read MoreRetirement used to mean a fixed birthday, 60, 65, or whatever your employer decided. Today, that traditional idea has evolved. Retirement is no longer an age; it’s a financial milestone, your freedom date.
Read MoreRetirement is one of the most significant challenges we will face in our lives. The landscape has undergone substantial changes over the past generation.
Read MoreThe recent FCA Thematic Review on retirement income highlights a simple truth: delivering income in a tax-efficient way can make a big difference to your long-term wealth. But tax planning isn’t just for retirement—it’s just as important in the years leading up to it.
Read MoreA common question we hear is: “Why should I pay a regular fee for financial planning? What do I really get for this?”
Over the last 30 years, financial advice has evolved—from selling products, to investment specialists, to today’s holistic financial planning.
Read MoreAs an employee, life is relatively straightforward — you work, you get paid, and your employer takes care of things like pensions and tax deductions. For business owners, it’s a very different story.
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