Author Archives: ross@planrfp.co.uk

Like inflation, lifestyle inflation could affect your finances, and you might not be aware of the effects straightaway. Find out how it might impede your ability to reach your goals and some ways to manage it. Lifestyle inflation refers to the tendency for spending to increase as your income rises. Often, this spending goes on […]

It can be easy to overlook medium-term goals when reviewing your long-term plans. Yet, they’re often important for your wellbeing. Find out how you might manage your medium-term goals. Last month, you read about how you might manage your wealth when working towards short-term goals. Now, read on to discover some options you might want […]

The war in Iran could lead to higher interest rates and affect the cost of your mortgage. Find out why and whether you could be affected.  At the end of 2025, there was an expectation that the Bank of England (BoE) would make several cuts to the base interest rate in 2026 as the rate […]

Thousands of people delay claiming their State Pension every year. There are some potential benefits, including managing their tax liability, but there are also drawbacks that are important to consider.  The State Pension is a regular government payment you may receive from when you reach State Pension Age until you die. The current State Pension […]

Deciding how you’d like your assets to be managed later in life and after you pass away may be intimidating. However, a cashflow model could help you answer both financial and emotional questions, so you’re in a better position to tackle your estate plan.  According to a survey conducted by Aegon (5 March 2026), 1 […]

The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events have affected investor behaviour could be useful. At the end of February 2026, the US and Israel launched strikes on Iran, which have further escalated. The uncertainty […]

How your brain works can affect how you view wealth and different assets. For many, this can mean cash feels like a safer option than alternatives, but it’s not always the right one. Indeed, sometimes choosing to hold cash could mean you miss growth opportunities.  3 reasons why cash might feel like the “safe” option  […]

It’s common to be juggling different goals with various time frames, which can be difficult to balance.  Over the next few months, you can read tips on managing short-, medium-, and long-term financial goals, and how a financial plan could help you bring them together on our blog. This month, read on to find out […]

Whether you’re buying your first home or searching for a new deal, there are some factors you might want to keep in mind when taking out a midlife mortgage that could affect your decisions. 1. Your age might affect the mortgage term you can select As house prices have increased, there are mortgages available with […]

More than half of UK pension savers are also building up retirement savings outside their pension, according to a MoneyAge article (22 December 2025). As pensions provide some useful benefits when saving for retirement, these savers could be missing out.  The survey found that people saving for retirement outside a pension were using a mix […]