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AI and Your Portfolio: The Questions Worth Asking
There is no shortage of AI headlines at the moment, and it would be unusual if none of our clients were asking what it means
Why No Financial Decision Ever Stands Alone
You rarely make just one decision at a time, even when it feels that way. Say yes to one thing with your money, and you’re
Eight Decisions That Shape Our Investment Process
Every investor would like certainty. We would all like to know which markets will do best next year, which funds will outperform, and when the
Two Cities, Twenty Five Years: Our Silver Wedding Trip to London and New York
From our Managing Director Jonathan shares a personal story this month, away from the usual planning topics: a family trip to celebrate their twenty fifth
When the Prime Minister Changes, Your Plan Doesn’t Have To
Britain has a new Prime Minister. Andy Burnham took office in July, the seventh person to hold the post in a decade. A change like
Retiring Well: Six Questions Worth Asking About Your Retirement
It might seem logical to start any conversation about retirement with how much do I need? It’s a natural question, and the maths matters, but
ISA Reform: What the Latest Government Announcements Mean for You
The government has set out further detail on its reform of Individual Savings Accounts (ISAs), and two developments have attracted particular attention this week. Here
Spring Statement 2026 — What It Means For You
Chancellor Rachel Reeves delivered the 2026 Spring Statement on 3 March 2026, presenting updated economic forecasts rather than introducing major new tax measures. For many
Autumn Budget 2025 – What It Means For You
As we approached the 2025 Budget Statement, speculation once again ran wild about how Chancellor Reeves might increase the tax intake without breaching the Labour
Staying Calm Amid The Headlines
If you’ve been following the news this week, you’ve probably seen headlines about Rachel Reeves’ speech regarding the Autumn budget. Some sound dramatic, others a
Giving While Living: Why More Families Are Gifting Now
“True wealth is the ability to use your resources purposefully — to enrich lives, not just balance sheets.” At Wells Gibson, more and more families
Rightsizing: A Financial and Emotional Decision Made Easier With Planning
What Is Rightsizing? Rightsizing is about finding a home that better fits your current and future lifestyle — emotionally, practically, and financially. It might mean
Staying Calm Amid The Headlines
If you’ve been following the news this week, you’ve probably seen headlines about Rachel Reeves’ speech regarding the Autumn budget. Some sound dramatic, others a
Speculation vs. Stewardship: A Crypto Conversation
1. The Role of Crypto in a Portfolio is Unclear Every asset in a portfolio should serve a defined purpose. Equities drive long-term growth. Bonds
Bitcoin: A Crumby Way To Save For Later
Exhibit 1: Bitcoin vs. Stock Market – How Often Have They Dropped? Source: Dimensional. Past performance is not a guarantee of future results. Credit: Dimensional Fund
Cryptocurrency – too big to ignore
In light of the US regulator’s (SEC) recent approval of several Bitcoin spot ETF’s, there has once again been a lot of talk around cryptocurrency
Crypto regulation is coming
Crypto regulation is coming The Bank of England is leaning towards the regulation of cryptocurrency, following the recent collapse of the digital currency exchange FTX.
Ten important points to remember when considering digital assets and blockchain technology
Blockchains, Web3, the metaverse, Non-Fungible Tokens (NFTs), cryptocurrencies, Bitcoin, Dogecoin, Decentralized Applications (or dApps) and Decentralized Autonomous Organizations (DAOs). These terms have surged into mainstream
The Inheritance That Never Shows Up on a Statement
A reflection for Father’s Day We’ve read a great many balance sheets over the years. Pensions, portfolios, properties, the proceeds of a business sold after
Pensions and Inheritance Tax (IHT): What You Need To Know Before April 2027
At Wells Gibson, keeping you informed of changes that affect your financial plans is something we take seriously. One of the most significant changes in
Why Having A Will in Scotland Matters: What You Should Know
This article is intended as general financial planning guidance only. It does not constitute legal advice. We would always recommend speaking with a qualified Scottish
Investing for Grandchildren: Building A Lasting Legacy
Many families ask us how to invest for their grandchildren in a way that provides real opportunity and a lasting legacy. It’s a question that
When To Engage With a Financial Planner?
In the ever-changing landscape of personal finance, the question of when to involve a financial planner is crucial. Whether you’re focused on saving, mastering spending
Staying Calm Amid The Headlines
If you’ve been following the news this week, you’ve probably seen headlines about Rachel Reeves’ speech regarding the Autumn budget. Some sound dramatic, others a
AI and Your Portfolio: The Questions Worth Asking
There is no shortage of AI headlines at the moment, and it would be unusual if none of our clients were asking what it means
Eight Decisions That Shape Our Investment Process
Every investor would like certainty. We would all like to know which markets will do best next year, which funds will outperform, and when the
When the Prime Minister Changes, Your Plan Doesn’t Have To
Britain has a new Prime Minister. Andy Burnham took office in July, the seventh person to hold the post in a decade. A change like
Back to Basics: Bonds, Explained
Bonds have a reputation for being complicated. They aren’t. Underneath the terminology, a bond is simply an IOU – literally, “I owe you” : you
The Quiet Discipline Of Successful Investing (Part 2)
Part 2: Turning belief into discipline Part 2 of a two-part series, drawn from the Purposeful Wealth podcast with James Baker of Albion Strategic Consulting.
ISA Reform: What the Latest Government Announcements Mean for You
The government has set out further detail on its reform of Individual Savings Accounts (ISAs), and two developments have attracted particular attention this week. Here
Back to Basics: How The Stock Market Actually Works
Investing can feel more complicated than it needs to be. Financial news is full of technical terms, forecasts and confident opinions about what markets might
Could You Be Working a Year Longer Than You Planned?
A personal note from our Managing Director, Jonathan Gibson. I’ll be honest: when The Telegraph’s story on plans to bring the State Pension age forward
Pensions and Inheritance Tax (IHT): What You Need To Know Before April 2027
At Wells Gibson, keeping you informed of changes that affect your financial plans is something we take seriously. One of the most significant changes in
When To Engage With a Financial Planner?
In the ever-changing landscape of personal finance, the question of when to involve a financial planner is crucial. Whether you’re focused on saving, mastering spending
Staying Calm Amid The Headlines
If you’ve been following the news this week, you’ve probably seen headlines about Rachel Reeves’ speech regarding the Autumn budget. Some sound dramatic, others a
Pension Awareness Week: Is Your Pension Fit for Purpose?
Individuals who achieve the retirement they want without carefully planning it are few and far between, so why leave it to chance? A fulfilling retirement
Why No Financial Decision Ever Stands Alone
You rarely make just one decision at a time, even when it feels that way. Say yes to one thing with your money, and you’re
Retiring Well: Six Questions Worth Asking About Your Retirement
It might seem logical to start any conversation about retirement with how much do I need? It’s a natural question, and the maths matters, but
Could You Be Working a Year Longer Than You Planned?
A personal note from our Managing Director, Jonathan Gibson. I’ll be honest: when The Telegraph’s story on plans to bring the State Pension age forward
Seeing Your Business As A Retirement Asset
If you run your own business, it’s completely natural to think about it in terms of what it provides today: your income, drawings, dividends, or
What You Might Be Underestimating in Retirement Planning
When we sit down with you to talk about retirement, the conversation often starts in a very natural place: “How much do I need?”. It’s
Retirement Planning: Are You On Track?
When we first built your financial plan, it was designed around your objectives, circumstances, and long-term vision for retirement. At Wells Gibson, we believe financial