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
One Year of Blincoe: Redefining Financial Advice with Fair Fees, Real Service, and Smarter Planning
Reflecting on the past and looking ahead to the future.
Do You Have the Right Protection? Life Insurance, Income Cover & Critical Illness Explained
Ensuring your loved ones are financially protected in the event of the unthinkable.
Why New Pension Rules in 2027 Feel Like a Lifetime Allowance All Over Again
The new pension rules, to be introduced from April 2027, resemble a lifetime allowance in disguise.
Autumn Budget 2024 Opportunities: How to Pivot Your Tax and Investment Strategy
As one door closes, another one opens.
Autumn Budget 2024: Key Tax Changes Every Investor Should Know
The good, the bad and the ugly.
Annuity vs Drawdown: Making the Right Retirement Income Choice
Annuities are back on the retirement menu
Charitable bequests in IHT planning
Charitable bequests: where philanthropy meets tax efficiency.
How to Use Bare Trusts to Fund School Fees — and Reduce IHT
Using bare trusts, in the names of minor children, to fund private school fees.
How Cashflow Modelling Helps You Answer: When Can I Afford to Retire?
The power of cashflow modelling in retirement planning
Autumn Statement Rumours: Which Tax Changes Might Actually Happen?
A summary of all the rumoured tax hikes circulating over the past few weeks
Is Your Workplace Pension Too Cautious? Why Default Funds Could Be Costing You
Is your workplace pension invested too defensively?
What to Do When Markets Crash: Your Investment Fire Drill
We're overdue a bear market. It will feel daunting, but it's all part of the investment journey.
"What to do when the next bear comes"
Planning the Third Act: How to Build a Retirement You’ll Enjoy
Moving from a period of saving to spending can be emotionally challenging, but herein lies the true value of financial planning
ISA Inheritance Explained: How the Additional Permitted Subscription Works
Understanding the mechanics of the Additional Permitted Subscription
Offshore Investment Bonds: How to Defer Tax and Optimise Withdrawals
Using investment bonds to defer taxation on underlying investment profits from a period as a higher/additional rate taxpayer to one as a basic/non
Labour Tax Plans: How ISAs, CGT and Inheritance Could Change in 2025
Rachel Reeves has warned of tough choices to come - which taxes could be in her crosshairs?
Life insurance in estate planning
Using whole-of-life insurance to provide for an inheritance tax charge
"'It's insurance Jim, but not as we know it!'"
Junior ISAs vs Junior SIPPs: The Best Way to Invest for Your Child’s Future
Junior ISAs and Junior Pensions offer scope to build sizeable ‘nest eggs’ in your children or grandchildren’s names, and in a highly tax efficient manner.
"Balancing tax efficiency with accessibility"
Premium Bonds vs Cash Savings: Which Is Better for You?
A decent option for the 'rainy day' fund
