TFA - Trusted Financial Advice

02/11/2026

Brits are more risk-averse when considering investing than other nations.

According to Manchester Metropolitan University, excluding workplace pensions, only 23% of people in the UK invest in the stock market, compared with nearly two-thirds in the US.

It’s important to remember that investing always involves risk. The value of investments can fall as well as rise, and you could get back less than you invest.

To discover some of the reasons why cash might feel safer and the potential impact of overlooking investing, read our latest blog, linked below.

https://tfagroup.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

30/10/2026

£1.28 billion was lost to fraud in 2025, according to UK Finance.

Falling victim to a scam could harm your financial security, but the long-term effects often go beyond your bank account.

Some victims may find the fraud has an emotional impact, such as affecting their confidence or ability to trust people.

Being aware of common scams and taking time to check that requests or opportunities are genuine could help you reduce the risk of becoming a victim.

To find out more about 5 of the most common scams and how you can protect yourself, click the link below.

https://tfagroup.co.uk/5-common-scams-you-need-to-be-aware-of/

29/10/2026

Budget headlines are one thing. Understanding what they mean for your finances is another. We've highlighted the key changes from the Autumn Budget 2026. Read more

The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

28/10/2026

Could equity release help you make more of the wealth tied up in your home?

According to the Equity Release Council, homeowners accessed £597 million through equity release between April and June 2026.

For some, it could provide funds for home improvements, help clear an existing mortgage, support retirement, or allow them to pass wealth to loved ones sooner.

However, equity release will not be suitable for everyone. It can reduce the value of your estate and may affect your entitlement to means-tested benefits, so it’s important to consider the potential long-term implications alongside the benefits.

Read our latest blog, linked below, to learn why more homeowners are using equity release and what you may want to consider before deciding whether it is right for you.

https://tfagroup.co.uk/why-more-homeowners-are-using-equity-release/

26/10/2026

Retirement is a major life event that most people spend years planning and looking forward to.

And yet, research by Moneybox reveals that 43% of over-55s have never discussed their retirement finances with anyone, and just 44% have spoken about them to a partner or spouse.

This could leave couples with different expectations about when they will stop working and what their retirement will look like. It may also lead to missed opportunities to maximise their retirement income.

Starting these conversations earlier could help you plan together, but the most appropriate retirement strategy will depend on your individual circumstances. Pension and tax rules can also change over time.

Read our blog, linked below, to discover why so many people avoid retirement discussions with their partner, as well as some practical tips for starting this important conversation.

https://tfagroup.co.uk/how-to-approach-retirement-conversations-with-your-partner/

23/10/2026

4 reasons to check the value of your home when you remortgage:

1. A lower loan-to-value ratio could lead to a competitive mortgage interest rate
2. Assess the value of home improvements
3. Check how much you could borrow
4. Calculate if your insurance provides appropriate cover

The mortgage deals available to you will depend on your individual circumstances and eligibility, and you should consider any fees or charges when comparing your options.

Read our blog, linked below, to find out more.

https://tfagroup.co.uk/4-reasons-to-check-the-value-of-your-home-when-you-remortgage/

21/10/2026

3 psychological reasons you might prefer cash to investments:

1. Market movements can make investing feel uncertain
2. The fear of losing money could mean you favour cash
3. Cash is tangible, which may make it feel safer

While holding cash can provide security and certainty, its purchasing power could be reduced by inflation over time. Investing could offer the potential for long-term growth, but it also involves risk, and the value of investments can fall as well as rise.

Read our blog, linked below, to learn more about why cash might feel safer, and the potential impact of overlooking investing.

https://tfagroup.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

19/10/2026

5 common scams you need to be aware of:

1. Phishing and smishing
2. Investment scams
3. Pension scams
4. Romance fraud
5. Vishing

Scammers can use different methods to encourage you to share personal or financial information, so always take time to check that a request or opportunity is genuine before acting.

Read our blog, linked below, to find out more.

https://tfagroup.co.uk/5-common-scams-you-need-to-be-aware-of/

16/10/2026

5 useful tips for avoiding headline-driven decisions ahead of the Budget:

1. Limit your exposure to the news and social media
2. Remember that speculation isn’t the same as policy
3. Keep in mind that not all potential changes will be relevant to you
4. There’s often a transition period before new policy is introduced
5. Build in a delay before you act on decisions

Waiting for confirmed details could help you make a more informed decision, but whether delaying action is appropriate will depend on your individual circumstances. Tax rules and government policy can also change.

Read our blog, linked below, to find out more.

https://tfagroup.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

14/10/2026

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the Autumn Budget.

The weeks leading up to an Autumn Budget always feature rumours about what might change and how it could affect personal finances.

With this Budget being the first for Prime Minister Andy Burnham and Chancellor John Healey, speculation is particularly rife.

However, speculation isn’t the same as confirmed policy. Making financial decisions based on headlines before the details are known could mean acting on changes that do not happen or are not relevant to your circumstances. Tax rules and government policy can also change.

To discover how you can avoid headline-driven decisions in the run-up to the Budget, click the link below.

https://tfagroup.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/