M & M Group

19/01/2026

It's Earnings Season!

Earnings season is where market narratives are tested against reality, and this week’s updates should be particularly telling. Across global tech leaders and UK consumer-facing businesses, the results will offer fresh insight into demand trends, pricing power and margin pressure in a tricky market environment.

At M & M Financial Services We keep a close eye on these updates across our pension portfolios, ISAs and direct investment accounts, as they help inform positioning and risk management decisions.

If you’d like more information or would like to discuss how these updates may impact portfolios, please feel free to get in touch.

Neil Morjaria Vishal Shah

02/01/2026

BREAKING MARKET NEWS

The FTSE 100 reaching 10,000 is a significant milestone, but the drivers behind the move matter more than the headline itself.

With overseas earnings and global exposures playing a central role, this level does not necessarily reflect the underlying strength of the domestic UK
economy.

Context, as always, remains critical.

01/01/2026

What a year it has been! Thank you to all those invovled!

Neil Morjaria Vishal Shah Parita Desai Bhavik Goradia

20/12/2024

03/10/2024

The Future Is Bright, The Future Is... Less Taxes!

I often get asked "Do I really need to get Inheritance Tax Advice?"

If you fall into one or more of the following then you should be considering your options, we are here to help. See below:

Owns property: The value of property can significantly increase the size of your estate, especially with rising house prices.

Has significant savings, investments, or business interests: High-value assets such as shares, savings, or a business can push your estate above the IHT threshold.

Wants to leave a legacy for loved ones: If you want to maximise the amount left to your heirs while minimising taxes.

Has children or grandchildren: If you plan to pass on your wealth to future generations, advice can help structure gifts or set up trusts to reduce IHT liabilities.

Owns agricultural or business assets: Some assets may qualify for reliefs, but professional advice can ensure they are applied correctly.

Getting professional IHT advice is crucial for anyone in these categories to ensure their estate is protected and distributed according to their wishes, without excessive tax burdens.

www.mandmgroup.co.uk

Vishal Shah - VS Senior Financial Consultant
M & M Group
Neil Morjaria

05/08/2024

𝗔 𝗦𝗲𝗮 𝗼𝗳 𝗥𝗲𝗱 𝗼𝗻 𝗠𝘆 𝗗𝗮𝘀𝗵𝗯𝗼𝗮𝗿𝗱 𝗧𝗼𝗱𝗮𝘆!

It's been a tough couple of days in the stock markets, with nearly every indicator flashing red. It's never easy to see portfolios take a hit, but amidst the chaos, I believe there's a silver lining—especially in the UK markets.

Despite the downturn, there are still compelling reasons to invest:

📊 Attractive Price-to-Earnings Ratios: Many UK stocks are now trading at more appealing valuations, presenting potential opportunities for savvy investors to buy quality assets at a discount.

📉 Interest Rates Trending Down: With interest rates seemingly on their way down, keeping cash in bank accounts becomes less attractive. This environment could prompt a shift of cash into the markets, driving future growth.

Despite the immediate outlook is challenging, I'm optimistic that these factors will contribute to a more favourable investment landscape in the UK eventually.

While the market downslide may be alarming, it could also present a unique buying opportunity for those willing to take the appropriate risks. Stay calm, stay informed, stay resilient and always seek guidance from a professional adviser before making any investment decisions.

Final point for today! London is a fantastic city with its rich history and vibrant culture, there's nothing quite like working with a view of its iconic skyline to inspire and motivate!

www.mandmgroup.co.uk

02/08/2024

Great news for homeowners and prospective buyers! The UK base rate has been trimmed from 5.25% to 5%. Now, here's the million-pound question: Will this lead to lower mortgage rates?

Today, the best mortgage rate available is a smidge under 4% at 3.99%. This is over 1% below the base rate and could work for many property owners out there. Call us if you need assistance with any of your financial requirements!

My crystal ball says we might see rates as low as 3.5% by the end of the year, provided inflation stays at a calm and collected 2%. Only time will tell!

On a personal note at M & M, our founder just hit the big 7-0, and we celebrated in style!

Also, a heartfelt farewell to our very own Barbara, who retired after over 21 amazing years with us. We wish Barbara a well-deserved retirement!

www.mandmgroup.co.uk
Vishal Shah - VS Senior Financial Consultant
Neil Morjaria
Barbara Scorer

03/07/2024

M & M Financial Services created the perfect blend of golf, friendship and business insights as we took to the course! There was a fair bit of spirited competition which made for an unforgettable experience with these talented and inspiring individuals!

www.mandmgroup.co.uk

19/06/2024

Exciting news for the UK economy!

Inflation has fallen to 2%, signalling a positive shift in our financial landscape. This decrease could pave the way for more favorable economic conditions, including potential reductions in interest rates and a boost in real wages.

Lower inflation often leads to increased consumer confidence and spending, which can stimulate growth and job creation. Let's hope this trend continues, fostering a more stable and prosperous environment for businesses and individuals alike!

Vishal Shah - VS Senior Financial Consultant
Neil Morjaria

www.mandmgroup.co.uk

05/03/2024

Exciting Evening at the LCNL Black Tie Event in London!

What an incredible night at the LCNL group's prestigious Black Tie Event in London! Among the distinguished guests, it was fantastic to see Neil Morjaria representing M & M Group.

Thank you to the LCNL group for organizing such a memorable event, and to all who attended for making it a night to remember! Looking forward to future gatherings and continued collaboration.

Vishal Shah - VS Senior Financial Consultant
www.mandmgroup.co.uk