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How government bonds can support long-term, tax‑efficient financial planning

Last Updated: March 10, 2026

Government bonds have been getting more attention lately, and with good reason. For many people, they may hold an underappreciated role in building long‑term, tax‑efficient wealth. Yet they’re often overlooked in favour of equities, cash, or the latest investment trend. So, could they really form a quiet cornerstone of thoughtful financial planning?

  • Tax Planning
  • Tax
  • Financial Planning
  • Bonds
  • Government Bonds
Articles

What’s more tax-efficient: paying your bonus into your pension or overpaying your mortgage?

Last Updated: March 10, 2026

As bonus season approaches, many people start thinking about the best way to put that extra income to work. A common question is whether it’s better to use a bonus to reduce a mortgage or to boost a pension. With interest rates having eased from recent highs, and with long‑term planning front-of-mind for many households, it’s a timely moment to revisit the trade‑offs.

  • Tax Planning
  • Tax
  • Financial Planning
Articles

Tax-efficient planning explained: Making the most of every pound

Last Updated: March 10, 2026

The UK tax landscape is shifting once again, and many people are reassessing what it means for their financial plans. In our recent webinar, Personal Finance Senior Manager Myron Jobson, and Financial Planning Divisional Lead Olly Cheng, explored the changes that could affect your personal finances and why thoughtful, early planning can make a meaningful difference.

  • Tax Planning
  • Tax
  • Financial Planning
  • Edinburgh Business Stories
Our People

Euan Bell

Last Updated: March 11, 2026

My priority is to create investment portfolios which are tailored to suit my clients' needs and meet their investment aims. I help build a tailored investment solution based on their current position, financial goals and future requirements. I also work closely with Investec's financial planning team who can provide advice surrounding pension options, retirement planning, inheritance tax planning and life insurance, to provide the best possible solution for my clients.
Articles

Spring Statement 2026: What it means for your financial planning

Last Updated: March 11, 2026

The Spring Statement 2026 was designed to provide stability, aiming for predictability at a time when global events have been anything but predictable. While Chancellor Rachel Reeves avoided major tax or spending changes, households and investors are already feeling the effects of rising geopolitical tensions, renewed inflation concerns, and uncertainty about interest rates.

  • Financial Planning
  • Spring Statement
Our People

Isabella Galliers-Pratt

Last Updated: March 13, 2026

Isabella joined Rathbones in 2021 from Connor Broadley, a boutique wealth manager, where she looked after private client portfolios and the company’s AIM Portfolio Fund.
After graduating from the University of Bristol in 2007, Isabella began working in the City as an analyst before going on to spend just under 10 years with JM Finn, where she both managed private client portfolios and was a Fund Manager on the JM Finn Global Opportunities Fund.