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Investing in Your 30s, 40s and 50s: What to Prioritise at Each Stage
Investing isn’t one-size-fits-all and it certainly isn’t one-age-fits-all either. As your career, lifestyle and goals evolve, so should your investment strategy. The core principles remain consistent: stay diversified, think long term, and manage your risk. But how you apply these principles often depends on the stage of…
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A Guide to Financial Protection for the Self Employed
Self employment gives you freedom. You can choose your hours, your location, and your income. It can be a hugely rewarding way to work, but it also means you take on more responsibility and risk. Unlike employees, you are not entitled to sick pay, a company pension, or benefits. That…
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A Guide to Mortgage Protection Policies
A home is one of the most significant financial investments most people will make in their lifetime. Along with the joy of home ownership comes the responsibility of ensuring that your mortgage is paid, even if unforeseen circumstances arise. Mortgage protection insurance is a specialised financial tool designed…
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Safeguarding Your Business’s Future: The Importance of Key Person Protection
Running a business is not only about planning for growth and success—it’s also about preparing for the unexpected. Whether it’s a sudden illness, a long-term incapacity, or death, unforeseen events can disrupt your business in ways you might not be prepared for. Key person and shareholder protection are critical tools…
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Business Healthcare on the Isle of Man: A Guide for Businesses
In today’s competitive job market, attracting and keeping top talent goes beyond offering a great salary. More and more, employees value comprehensive benefits that show their employer cares about their well-being. One of the most sought-after benefits is access to high-quality healthcare. For businesses on the…
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Isle of Man Pension Freedom Scheme (PFS) – Updated for 2025
In February 2018, the then Treasury Minister, the Hon. A L Cannan, MHK, introduced legislation enabling enhanced pension freedoms on the Isle of Man. Effective from April 6, 2018, these changes brought flexibility in accessing pension benefits and provided more substantial tax relief options for individuals saving for…
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The Power of Pensions
When planning for retirement, it’s important to understand how the financial vehicles you choose can significantly affect your nest egg and the income it provides. Let’s explore the journeys of two hypothetical investors, David and Sarah, to illustrate the impact of their investment choices over their working lives…