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Figures suggest that many households aren’t saving enough to be financially secure in retirement. Calculating what income you’d need to reach retirement goals before the milestone […]

How much does bias affect your financial decisions? While you may try to make decisions based on facts, it can be much easier than you think […]

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 […]

As house prices reach record highs, assessing affordability when you’re buying is more important than ever. It can help you search for properties within your budget […]

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, […]