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5 shrewd ways to avoid paying tax on your savings
24% of people think all their savings are tax-free, according to a Lloyds Bank survey carried out in February 2025. However, they could...

Tom from Harken Financial
3 days ago6 min read
Why the best legacy could be passing on your financial wisdom
If you want to help younger generations, passing on this pearl of wisdom could be key – start saving for your future as soon as possible....

Tom from Harken Financial
3 days ago4 min read
4 useful insights from a decade of Pension Freedoms
A decade ago, the introduction of Pension Freedoms shook up retirement planning and gave retirees more options than ever. Before 2015,...

Tom from Harken Financial
3 days ago4 min read
Key financial planning challenges couples face and how we could solve them
Creating a financial plan can seem complicated, especially if you need to take into account your partner’s views, assets, and goals. At...

Tom from Harken Financial
3 days ago3 min read
The surprising money lesson you could discover in the pages of The Great Gatsby
Whether you analysed the text in school or have watched the film, you’ll no doubt be familiar with the tantalising story of Jay Gatsby. ...

Tom from Harken Financial
3 days ago3 min read
Why investor fear and anxiety play a role in market volatility
2025 has already been eventful for investors. Many factors are influencing market volatility, and one cause you might have overlooked is...

Tom from Harken Financial
3 days ago4 min read
How to stop following the investment crowd and stick to your strategy
We’re only weeks into 2025, and it’s already been one filled with market volatility and uncertainty. At times like this, being part of a...

Tom from Harken Financial
Feb 114 min read
Looking beyond the numbers when using a cashflow model
A cashflow model is a valuable tool that lets you understand how the value of your estate and individual assets might change in the...

Tom from Harken Financial
Feb 114 min read
5 ways financial planning could help you emotionally prepare for retirement
While financial challenges often come up when those nearing retirement are asked about their concerns, emotional obstacles could be just...

Tom from Harken Financial
Feb 113 min read
State Pension: Everything you need to know in 2025/26
For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State...

Tom from Harken Financial
Feb 114 min read
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