Why having a financial plan matters
A financial plan is about more than money—it’s about clarity, confidence, and feeling in control of your future. By truly understanding your goals and guiding you through life’s changes, a good adviser helps you make informed decisions and live life on your terms with lasting peace of mind.
Martin Johnston on advice, trust and doing the right thing
Independent financial adviser Martin Johnston of Amber River HDA shares how genuine care, trust, and proactive planning help clients feel secure, even when markets wobble.
Who’s the best person to advise on estate planning?
Estate planning involves far more than writing a will. The best outcomes come from a coordinated estate planning team—led by your financial planner and supported by your solicitor and accountant. Together, they ensure every element of your plan, from wills and trusts to tax and later-life planning, works in harmony to protect your wealth and your family’s future.
How the Autumn Budget impacts people with substantial assets
The Autumn Budget brings higher taxes on investment income, new property surcharges and reduced reliefs for investors and business owners. Discover what these changes mean for substantial asset holders and how to plan proactively.
How the Autumn Budget is likely to affect people approaching retirement
The Autumn Budget brings several key tax and pension changes for people aged 55–65. Here’s what the updates mean for your retirement income, savings strategy and long-term planning.
How the Autumn Budget impacts people already retired and drawing a pension
The Autumn Budget brings several changes that could influence your retirement income. From frozen tax thresholds to higher savings taxes, here’s what today’s retirees need to know — and how advice can help.
How the Autumn Budget is likely to affect high earners
High earners face significant changes following the Autumn Budget, from frozen tax thresholds to higher dividend and rental income taxes. Here’s what the updates mean and how smart planning can help.
What the 2025 Autumn Budget means for business owners
The 2025 Autumn Budget brings major changes for business owners, including higher Dividend Tax, wage increases, new pension rules and updated reliefs. Here’s what matters most and how to prepare.
Planning beyond £2 million: Life, legacy and tax strategies
As your wealth grows beyond £2 million, planning becomes essential. Martin Johnston of Amber River HDA explains how to protect your legacy, enjoy your retirement, and reduce future tax exposure—especially with upcoming changes to pension rules and the £2 million threshold for Inheritance Tax relief.
Why AI won’t replace your financial planner
AI can handle simple financial tasks, but it can’t offer the personalised insight, empathy, and regulated advice a financial planner provides. Discover the key risks of relying solely on AI.
Advisory or discretionary management? Choosing an approach that works for you
Advisory or discretionary portfolio management? Whether you’re hands-on or happy to delegate, choosing the right investment management style can help you feel more confident and in control of your financial future. This article breaks down both approaches in simple terms, helping you decide what suits your goals, lifestyle, and preferences best.
The true value of financial planning
The value of financial planning is about more than numbers – it takes a holistic approach that brings confidence and peace of mind.
Do I need wealth management or financial planning
Discover how modern financial and wealth planning delivers strategies that protect, grow, and pass on wealth in alignment with your goals
Financial planning in your 50s
The financial expert you choose largely depends on your needs – but one thing that overrides everything else is finding someone you trust.
What’s the difference between a Wealth Manager, a Financial Planner and a Financial Adviser?
The financial expert you choose largely depends on your needs – but one thing that overrides everything else is finding someone you trust.
Tim Forsyth: The biker with a safety-first wealth planning approach
Tim explains the importance of the 5 pillars of life: home, relationships, health, work, and finances. Lose one and the rest can easily follow