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Saving and investing

Deposit protection across bank brands

Check shared banking licences when reviewing larger cash balances.

Protecting your finances

Working out life insurance cover

Build a picture of household commitments before comparing cover amounts.

Work and business

Turning a bonus into a spending plan

Separate the headline award from the cash available after deductions.

Family and inheritance

Gift Aid and your tax position

Check the tax requirements behind a Gift Aid declaration.

Retirement and pensions

Defined benefit pension increases

Check how increases work before retirement and once payments begin.

Saving and investing

Cash savings platforms

Look through the platform to the banks holding your money.

Protecting your finances

Joint life cover or two policies?

Compare the events covered and what happens after a claim.

Work and business

Employer shares and concentrated risk

Consider the connection between your job, earnings and investments in one business.

Family and inheritance

Preparing a financial power of attorney

Organise the records someone would need as well as the legal document.

Retirement and pensions

Pension income or a lump sum?

Understand the commutation factor when exchanging future income for cash.

Saving and investing

Capital losses and your tax records

Distinguish current-year losses from losses carried forward.

Protecting your finances

Income protection for the self-employed

Separate business turnover, personal earnings and household spending needs.