Business owner standing outside her shop illustrating financial planning for managing an irregular income

5 ways to help you manage an irregular income as a business owner

Irregular income doesn't have to create financial uncertainty. Discover five practical strategies to improve cashflow, build resilience, manage tax efficiently, and stay on track towards your long-term financial goals.

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Retired woman carrying a surfboard on the beach, symbolising financial confidence and retirement planning despite market volatility.

Why market falls early in retirement can affect your long-term plans

Early market downturns can have a bigger impact on retirement than many people realise. Chartered Financial Planner Rayna Stoyanova explains sequencing risk and how careful planning may help protect future income.

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Wide view of a person fishing on a calm lake at sunrise, symbolising long-term business exit planning.

How much is “enough”? Why financial planning is important before you sell your business

Before selling your business, understand what “enough” means for your future. Early financial planning can help maximise opportunities, improve tax efficiency, and ensure your exit supports your long-term goals.

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Older couple laughing together on a sofa at home while discussing their future plans

Rayna Stoyanova: Helping people feel calmer about their future

Chartered Financial Planner Rayna Stoyanova shares how calm, practical financial advice helps clients navigate retirement, redundancy and uncertainty with greater confidence, clarity and long-term peace of mind.

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Keeping the farm in the family: Planning for 2026 inheritance tax changes

New inheritance tax rules in 2026 could impact family farms. Learn how to plan ahead to protect your land, use reliefs wisely, and pass on your legacy.

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A modern retirement: What it really looks like today

Retirement isn’t a single moment anymore — it’s a flexible, fulfilling new chapter. Whether you’re working a little or exploring new passions, the right planning helps you shape a confident, modern retirement.

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Can your finances cope with a sudden change in circumstance?

Discover how financial planning helps your finances cope with a sudden change: from redundancy to illness, divorce, or caring for loved ones.

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Making the switch from earning to spending in retirement

Discover how to confidently start spending in retirement, avoid unnecessary tax, and enjoy life with clear planning and cashflow modelling.

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What should I do with a large pension pot before the rules change?

If you have a large pension pot, proposed inheritance tax changes could mean a hefty tax bill for your loved ones. Glen Neagle explains what to consider now.

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Financial future

Why advisers use cashflow modelling to visualise your future

To help secure your future financial wellbeing, it's crucial to include your pension savings as a key part of your divorce proceedings

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Chris Masley

Chris Masley: Guiding clients towards a secure future

Nick Cohen, IFA, believes educating young people on financial management and avoiding financial envy, will lead to a happier life

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