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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
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
The Hidden Work: How Your Portfolio Is Managed
A well managed portfolio doesn’t run on autopilot, it requires continuous oversight, even when there’s little visible change. Much of what we do happens behind
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
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
When the World Feels Noisy: The Value of Stepping Back
At times like this, it’s easy to feel that something needs to be done. The news feels heavier. Markets move. Uncertainty seems higher than usual.
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
Planning Beyond Your Life: Leaving a Lasting Legacy
Planning for the future involves more than just financial considerations; it’s about ensuring your loved ones are cared for and your legacy lives on. Legacy
Inheritance Tax Rate Faces Possible Decrease by Government
Prime Minister Rishi Sunak and Chancellor Jeremy Hunt are reportedly finalising proposals to reduce inheritance tax in a strategic move aimed at revamping the United
Rebalancing – do I really have to?
As humans, it’s fair to say we have a hard time being investors. Normally, we like to purchase things when they are lower cost and
Pensions as an Inheritance Tax Break
A recent report from the Institute for Fiscal Studies (IFS) has claimed pensions are treated more generously by the tax system as a vehicle for
In defence of democracies, markets and the media
In defence of democracies, markets and the media Three prime ministers and three chancellors in as many months, certainly feels chaotic, possibly a bit embarrassing,
Protected: Keep your eyes on the prize
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Should You Be Worried About A Stock Market Bubble?
Lately, it feels like every financial headline screams “bubble!”, from artificial intelligence and cryptocurrency to government debt and global tensions. It’s easy to get caught up in
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
Do We Own Too Much? Lessons From The Lake District
During a recent trip to the Lake District, our Managing Director, Jonathan Gibson, noticed something that made him pause: a car nearby, loaded to the
What The Stock Market Really Represents: Seeing Beyond The Numbers
Shaping A Better Future The stock market can feel distant, numbers drifting across screens, charts rising and falling, headlines flashing gains and losses. It can
Why Emerging Market Bonds Aren’t Part Of Our Portfolios
A question we hear from clients from time to time is: “Why are emerging market bonds not included in Wells Gibson’s portfolios?” It’s a fair
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
Pensions as an Inheritance Tax Break
A recent report from the Institute for Fiscal Studies (IFS) has claimed pensions are treated more generously by the tax system as a vehicle for
Pensions as an Inheritance Tax Break
Pensions as an Inheritance Break A report from the Institute for Fiscal Studies (IFS) has claimed pensions are treated more generously by the tax system
Who Let the Dogs Out
Who let the dogs out? Sometimes we read an investment article that makes our blood boil. One regular such item is Bestinvest’s ‘Spot the dog
Pension freedom gains at risk from cost of living crisis
Pension freedom gains at risk from cost of living crisis New research has found the gains from pension freedoms are at risk from the cost
A myriad of pension challenges
A myriad of pension challenges One consequence of the cost of living crisis is a rising number of people cutting back on or stopping their
Pension forecast alignment could confuse savers
Pension forecast alignment could confuse savers New proposals designed to standardise pension forecasts could confuse savers about how much they might get in retirement. According
Staying Healthy in Retirement: A Guide
Retirement is a time to relax, enjoy hobbies, and spend quality time with loved ones. However, maintaining good health is essential for enjoying this golden
Rising Demand for Retirement Advice in an Ageing Population
Recent research sponsored by Aegon and conducted by NextWealth sheds light on the shifting landscape of retirement advice in the United Kingdom. The study, titled
Retirement Maze: The Alarming Lack of Financial Plans
Introduction: Embarking on the golden years of retirement should ideally be a time of relaxation and fulfilment. However, a recent report from Just Group* sheds
Pensions as an Inheritance Tax Break
Pensions as an Inheritance Break A report from the Institute for Fiscal Studies (IFS) has claimed pensions are treated more generously by the tax system
Don’t Choke Your Financial Future
King Solomon once said, “The rich rule over the poor, and the borrower is the slave to the lender.” There’s an important distinction to make
Lessons from a legend
Lessons from a legend The investment management industry loves its legends and there is none bigger than the nonagenarian ‘Oracle of Omaha’ Warren Buffett, CEO