Financial planning on ‘easy mode’
In video games, “Easy Mode” is a popular setting that makes the gaming experience more accessible and less challenging for players. When you play in this mode, the game automatically adjusts various elements to make your journey smoother and more manageable. Enemies become weaker, resources are more abundant, and the consequences of making mistakes are […]
7 things to get right at the start of the new tax year
The end of the tax year gets most of the attention – and rightly so. But the weeks after 6 April matter just as much. You now have a full set of allowances ahead of you and twelve months to use them well. A little thought now can save a lot of scrambling later. Here’s […]
Here’s how to make the most of tax year end
The build-up to tax-year end is always crucial for financial planning. April 5 is the last day of the current tax year, so you still have until then to make the most of several allowances – and potentially give your savings a boost. Here’s a rundown of the main areas to think about. Maximise your […]
The uncomfortable number
“Am I saving enough?” This is a question even the most disciplined investors ask themselves from time to time. And while a financial plan can go a long way towards answering this question, there’s always the unknown unknowns we cannot factor in. Educated investors understand the logic well enough. By putting money away today and […]
After the Gold Rush
You’ve probably noticed the headlines. Gold and silver have had a remarkable run over the past two years, reaching record highs and generating dramatic gains. The financial media can’t stop talking about commodities. It’s natural to wonder if we should have owned more of this. Are we missing out? We understand the frustration. Watching an […]
What should a financial review actually cover?
If you’ve ever had a financial review that went something like this: “Your pension’s up 7% this year, your ISA’s doing well, everything’s on track. Same time next year?” then you haven’t had a proper financial review. That’s more of a product update. A proper financial review is something entirely different – and if you’re […]
Three Good Years
Global equity investors have enjoyed a remarkable run. The world’s premier stock market index, the S&P 500, rose 24% in 2023, another 23% in 2024, and 16% in 2025. With long-term average returns in the 8-10% range, three consecutive years of above-average performance is something to be grateful for. This time last year, we discussed […]
Annual Client Letter 2026
Dear Client, I’m very pleased to report on another successful year in the ongoing pursuit of your most important financial goals. As always, your financial plan — and therefore your portfolio — continues to be driven by those goals rather than by forecasts about the economy or short-term movements in markets. That has been the […]
Budget 2025: What It Means for Your Money
The Chancellor has delivered the latest Budget and, as always, there is a lot of noise to cut through. At Navigate, our job is to break everything down into clear, practical points so you understand what actually affects your financial planning, your family, and your long-term goals. Here are the key announcements and what they […]
The Prophets of Doom
Something deep in human nature makes us lean in when we hear whispers of danger on the horizon. Throughout history, prophets of doom have commanded our attention, warning of catastrophes only they could foresee. In our age, these prophets have traded robes for business suits, swapping predictions of divine wrath for forecasts of market collapse. […]
2025 Budget Speculations
Here we go again. After much speculation about what would be included in last year’s 2024 Budget, recent reports suggest significant changes await us in this year’s Budget. If you believe what you read, the changes could affect anything from capital gains tax, inheritance tax, pensions and maybe even ISAs. While investors are left wondering […]
Guide: Revealed: The value of financial planning
Financial planning can add real value to your life, helping you achieve your goals and enjoy the lifestyle you want. When you think about financial planning, you might initially focus on the financial element. Perhaps you’re interested in how planning can help you reduce your tax bill, invest to get the most out of your […]