David Hardy - Adviser at LSM Wealth

11/03/2026

Here we explore five allowances you can use before the end of the tax year on 5 April. Using available allowances should become an annual habit to ensure your financial plan is in the best possible shape.

Five allowances to use before tax year end

12/02/2026

All of us have different worries at certain stages of life, but one issue most of us are likely to have to face at some point is money.
Over recent years, the rising cost of living has affected people in different ways.

Time to Talk Day – why talking could improve financial wellbeing

29/01/2026

Unfortunately, a very difficult time for all concerned when a marriage gets to this point. This guide provides action points, and a very useful guide for your future self.

Getting a divorce - five financial tips to help you through the process

28/01/2026

Spreading your money across different types of investments can reduce your risk and gives you greater choice in later life on how you draw your retirement income. An essential part of your forward planning.

Making your pension and ISA allowances work for you

25/12/2025

Merry Christmas to all my wonderful friends, family and clients. I hope you all have a wonderful Christmas Day! 😊🎅🏻😊🎅🏻

07/12/2025

The UK tax system is complex, and prone to change, as seen in the recent Autumn Budget. A regularly updated tax plan can help you navigate the maze and maximise reliefs and exemptions available to you.

The power of having a tax plan in place

23/11/2025

Anyone can be the victim of a pension scam, no matter how financially savvy they think they are. Scammers are using ever more elaborate tricks To fool people so it's important to look out for the warning signs.

Are you being (pension) scammed?

06/11/2025

People rarely wake up one morning and decide to find a financial adviser. There’s usually a trigger, and often it’s a personal one.
From getting married and buying a home to retirement or moments of loss, milestones in life can spark a search for some financial advice.

Real Life Advice Report 2025: Chapter 1 - Why milestones often spark the search for financial advice

17/09/2025

Even experienced pension savers can get caught out by half-truths and misconceptions, which could cost them thousands in retirement. Don't let yourself be one of them.

Seven pension myths busted: What savers often overlook about their retirement pot

26/08/2025

Nobody likes talking about death, and many of us aren’t that keen to talk about money either. So, it’s not surprising that many of us put our estate planning, and IHT in particular, on a back burner. Wrong decision!! Act early.

How to mitigate your Inheritance Tax bill

10/07/2025

A Will is a very powerful document, and a legal expression of your wishes. All the more reason to make it clear what you would like to happen after you die and take the opportunity to make this clear to your family.

Why it's not as hard as you think to make a Will

30/06/2025

It’s only natural to worry about the impact sustained conflict or rising political risks may have on investment returns. 5 really useful points to keep in mind before making any rash decisions.

Five things to consider amid market uncertainty