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Clear thinking, plainly put.

Pensions, tax, retirement, protecting what you’ve built. We write about the money decisions that shape your life, without the jargon that usually surrounds them. Read something you can act on.

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A shopping trolly in the aisle of a supermarket
Financial Planning advice

Divide 72 by 3.1. In 23 years, your cash buys half as much.

One sum shows what inflation does to money left in the bank. Cash is the right home for money you’ll need in the next few years. For money you won’t touch for a decade or more, the sum tells a harder story.

29 September 2026
An illustration of a laptop on a desk next to papers and reading glasses.
Financial Planning advice

One wrong answer. A £17,500 tax bill.

AI chatbots answer money questions in seconds. New research shows how often they get them wrong, and who pays when they do.

25 September 2026
A mum and Daughter unpacking a car, carrying boxes and a laundry basket.
Financial planning & advice

£50 a month. Eighteen years. Three different answers.

What the same small amount does in cash, in an investment account and in a pension started at birth.

25 September 2026
An elderly couple walks through a cobble street town
Mortgages

The Guide to Using Equity Release

Unlocking property wealth without leaving your home

11 September 2026
A man looks at a map whilst drinking coffee.
Mortgages

Remortgaging

A clear plan protects your budget

11 September 2026
A woman sits at a table flicking through a catalogue
Mortgages

The Complete Guide for First-Time Buyers

A clear plan gets you home

11 September 2026
Two children bake at a kitchen counter.
Mortgages

The essential guide to Mortgages

A clear plan controls the cost

11 September 2026
A lady sat on a desk chair looking at her laptop
Mortgages

Your Complete Guide to Buy-to-Let

The numbers decide whether it works

11 September 2026
A daughter playing hide and seek with her father.
Mortgages

The Bank of Mum and Dad

A clear plan protects everyone Help without structure is a risk you haven't priced

11 September 2026
A person sits on a bench looking out towards the sea.
Retirement

Retirement planning for the life you want after work

Most people know the date they'd like to stop. Very few know whether they can.

28 July 2026
A man sits under the shade of an umbrella on the beach.
Financial planning & advice

Protection advice

Cover that pays for the life, not the policy

28 July 2026
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© 2026 Pembroke Financial PlanningPembroke and Pembroke Financial Planning are trading names of Pembroke Financial Planning Limited, authorised and regulated by the Financial Conduct Authority (FCA). FCA no. 228341. Registered in England, Company no. 02518721. Registered Office, 5th Floor Park Gate, 161-163 Preston Road, Brighton, England, BN1 6AU
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