The Blincoe Blog

We write in plain English - no jargon, no waffle - just useful ideas to help you take control of your money, plan ahead, and make smarter decisions.

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“An investment in knowledge always pays the best interest.”

- Benjamin Franklin

Are General Investment Accounts Still Worth It? Tax Changes, Strategies, and Pension Pairing Explained
TAX EFFICIENCY George Taylor TAX EFFICIENCY George Taylor

Are General Investment Accounts Still Worth It? Tax Changes, Strategies, and Pension Pairing Explained

The once-popular General Investment Account (GIA) has come under pressure in recent years. While GIAs have lost some shine, they’re far from redundant. For many clients, the ability to blend them with pension contributions to preserve basic rate treatment keeps them firmly in the financial planning toolkit.

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Who Really Holds Your Investments? Understanding the 4 Layers of Protection When Investing Through an Adviser
INVESTING George Taylor INVESTING George Taylor

Who Really Holds Your Investments? Understanding the 4 Layers of Protection When Investing Through an Adviser

When you invest through a financial adviser, there are several different parties involved in the management of your investments. Each plays a crucial and unique role. Many investors worry: "What happens to my money if one of these companies fails?" It's a valid concern, and one that UK financial regulations address through robust protection mechanisms.

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Drawdown vs Annuity: Which is Better?
RETIREMENT PLANNING George Taylor RETIREMENT PLANNING George Taylor

Drawdown vs Annuity: Which is Better?

When it comes to drawing income from your pension, two core options dominate the landscape: flexi-access drawdown and annuity purchase. Each offers distinct benefits and trade-offs. Increasingly, the best solution lies not in choosing one over the other — but in combining both to create a plan that balances security, flexibility, and control.

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“A little financial confidence goes a long way — and it starts with knowing the right questions to ask.”