Insights

Divergent Spending

Despite low consumer sentiment due to persistent inflation (CPI up to 3.0%) and income insecurity, mid-to-high income consumers remain resilient. Major retailers like American Eagle and Macy’s have posted strong sales growth for an inc

Autumn Budget Statement 2025

Chancellor Rachel Reeves has now delivered the Autumn Budget Statement for 2025, outlining a series of updates that could influence your financial planning in the months and years ahead. To help you understand the implications, our team ha

Autumn Budget 2025: Kicking the can down the road

The Autumn Budget avoided the most feared tax hikes, opting instead for cautious measures that modestly reassured markets but left the UK’s deep fiscal challenges; high borrowing, rising debt-servicing costs, exorbitant state spending an

An SOS for Healthcare – DOGE, RFK and MFNs

Over the last five years the broad US stock market has doubled1, compared to the IA Healthcare Index rising a meagre 10%2. The various acronym-based headwinds facing the sector, including DOGE, RFK and MFN have started to fade. Since

Mind the gap: UK Budget approaching

The UK’s budget is due to be delivered on 26th November with some estimates reaching as far as £45bn in targeted tax rises2 Manifesto breaking plans of increasing income tax were scrapped today in policy U-turn1 The UK’s total tax ta

More UK High-Earners Caught by Tax Freeze

Au Time Highs; why is gold so expensive, and where next?

At the time of writing, the gold price is $3,986 an ounce, whereas a year ago it was only $2,700 The leap from $3,500 to $4,000 an ounce of gold took only 36 days1 76% of Central Banks surveyed expect to increase their gold holdings

A shift in saving behaviour and what it means for long term planning

Bubble, bubble, toil and trouble

Nvidia is the first company to hit a $5 trillion market cap, after hitting $4 trillion in July 2025, $3 trillion in June 2024 and $1 trillion in June 20231 Excessive spending by major cloud computing companies is outpacing revenue whil

Rising female incomes highlight the growing need for tailored financial planning

Preparing for the Autumn Budget – What you can do now

Each year, the Chancellor’s Autumn Budget is a pivotal moment in the UK’s financial calendar — a time when taxation policy, public spending, fiscal priorities, and allowances are realigned. For high-earning individuals and families, it can

Breaking the Internet

60% of Amazon’s total profit comes from its Amazon Web Services (AWS) division, despite only being responsible for 17% of the company’s revenue. AWS user, Netflix, is rumoured to spend upwards of $1 billion per year on AWS services.