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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 […]

Later-life care can be a difficult topic to discuss and create a plan for. However, setting out a care plan now means you can rest assured […]

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 […]

You should base financial decisions on logic and facts. But psychology can have a much larger effect than you think, and it can lead to you […]

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 […]

As property prices rise and families face pressure due to the cost of living crisis, the government is reportedly considering ultra-long mortgages. It’s well-known that house […]

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 last couple of years have been challenging for investors. Factors outside of your control are likely to have led to your portfolio experiencing volatility. However, […]

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 […]

When you start thinking about how you’ll create an income in retirement, it’s probably your pension that comes to mind. Yet, if your estate could be […]

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 […]