ISA allowances before the tax year closes
Unused ISA room disappears each April. Here is how we help clients decide between cash, stocks and shares, and transfers.
Guides
Notes from the advice desk
Short articles on pensions, tax wrappers, and protection — written for households making decisions in England, not for product catalogues.
Drawing from pensions without exhausting the pot early
Flexible access is useful, but withdrawal rates need a method. We walk through the checks we run before recommending a drawdown schedule.
When to claim your State Pension early — and when to wait
Deferring the State Pension can raise the weekly amount, but the arithmetic only works if your other income covers the gap.
Income protection for the self-employed in England
Statutory Sick Pay does not cover freelancers. Income protection can replace a portion of earnings if illness stops you working.
Preparing documents for your first advice meeting
Good advice starts with clear facts. This checklist helps first-time clients arrive ready for a productive MacGyverford appointment.