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Episodes, guides, and articles from Anick and Luke.
The truth about
The truth about income protection
Most income protection is sold, not bought. Here's what the small print actually says, and the questions nobody asks before they sign.
Luke · 14 min
Retirement · Watch · 16 min
How the taper catches doctors out
The tapered annual allowance turns a pay rise into a tax bill. Here's the mechanism, in plain English.
Luke
Retirement · Watch · 12 min
The 4% rule was never a rule
It was a finding from 1990s US data. Treating it as gospel is how people retire on the wrong number.
Luke
Inheritance Tax · Watch · 18 min
When a trust is worth it, and when it isn't
Trusts are sold as a cure-all. They're a tool with a specific job. Here's when that job is real.
Anick
Investing · Watch · 13 min
Active or passive? The evidence, not the sales pitch
What the long-run data actually says about beating the market - and what that means for your portfolio.
Anick
Tax · Watch · 11 min
Salary sacrifice: the quiet pay rise
One of the few genuinely efficient moves a higher-rate taxpayer can make. Why it works, and the catch.
Anick
Mortgages · Watch · 15 min
Buy-to-let in 2026: the numbers nobody runs
Section 24, higher rates, and tighter yields. The maths has changed. Most landlords haven't redone it.
Luke