Paul McFadyen

Reducing your energy consumption can be a great way to cut your carbon footprint, lessening your personal impact on the environment and potentially helping to limit […]

More people are choosing to gift wealth during their lifetime rather than leaving assets as an inheritance. There are benefits to choosing a living legacy, but […]

As the cost of living rises, you may be considering increasing how much you withdraw from your pension. While it could solve short-term challenges, it’s important […]

On 24 September 2022, The Herald newspaper ran a feature on the Spectrum team, our work in the current financial climate and the importance of regular contact. We […]

If you think that insurers don’t pay out when people make claims, you’re far from alone. According to Scottish Widows, just 7% of people think that […]

The cost of living is rising. Reviewing your finances now is crucial for understanding what effect inflation could have on your lifestyle and long-term plans. Inflation […]

It can be easier than you think to lose your retirement savings. In fact, estimates suggest thousands of savers have forgotten about pensions that could support […]

Roald Dahl’s books are known for colourful characters, fantastic adventures, and simply being fun. As a child, they’re the perfect books for capturing your imagination. As […]

The Bank of England’s (BoE) decision to scrap some affordability tests for people taking out a mortgage could mean you’re able to borrow higher sums. However, […]

As a self-employed worker, it can be more difficult to manage your finances. Your income may vary or not be as reliable as those who are […]

Are you planning to sell your home soon? A few small changes to your home and a bit of planning can make it far more attractive […]

Money and financial decisions are often seen as a personal matter. However, making your family part of the financial planning process and discussing your goals with […]