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Lumin managing director Martin Cotter tackles your biggest money questions – from offshore investment bonds and personal injury trusts, to whether impaired life annuities could boost your retirement income. What are the options for offshore investment bonds after maximising other tax allowances? Once you have used all your main UK tax allowances...

Understanding the implications of the Chancellor’s Budget now could be the difference between missed opportunities and maximising your financial strategy, explains Lumin managing director Martin Cotter. After weeks of rumour, kite-flying, intense lobbying and U-turns, the one indisputable fact about the Autumn Budget is that it has now been delivered and...

If there’s one thing St Albans does brilliantly, it’s community. We’re a city full of people who care – about each other, about local causes, and about the independent businesses that give our neighbourhoods personality and heart.And today (December 6), we get to celebrate all of that together with Small...

We know, we know – it’s only just December. The decorations are still in boxes, and Jez is still insisting there’s no Christmas music on the playlist until at least the second (third?) week of the month. But not everyone leaves their gift shopping to the last minute (ahem –...

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