Joanna Grankin

“Working with Josh means I feel hugely more secure about my financial future.

Maureen Byrne

“Josh keeps everything simple; he doesn't use financial jargon.

Charles & Joanne Bloom

“We feel very safe and secure about our financial future knowing Josh is guiding us

Paul & Sandra Burns

“The Orchard Practice have given us the confidence that we can enjoy our retirement when the time comes

Sally Wilds

“Josh has made me feel much more positive about my future

Daniel Minsky

“My family's financial future is in safe hands with The Orchard Practice

In the press

We're often asked to give our opinion in the press. You'll find a selection of our most recent contributions to the media on this page.

How to protect your pension from the chancellor's inheritance tax changes

20/03/2025

‘Hard wired differently’: advisers on how to advise women

06/03/2025

‘Many forward-thinking firms see chartered as absolute must’

27/02/2025

MPs launch inquiry into AI and financial services - is it time to regulate the robots?

05/02/2025

How to reduce your tax bill with self-assessment deadline near

23/01/2025

Experts share their tips for improving your finances without earning more

01/01/2025

Can a Stocks & Shares ISA beat a Cash ISA?

18/12/2024

State pension must be 'means tested' with Triple Lock hike in doubt

18/10/2024

FT Adviser named personal finance outlet of the year at PFS Awards

17/10/2024

Financial expert sounds alarm over future State Pension payments

08/10/2024

'State pension needs to be means-tested' say analysts as triple lock viability questioned

08/10/2024

Will UK Pensions Run Out? Experts Sound Alarm Over Depleting Funds

29/09/2024

Chancellor says 'we can't afford' current and future state pension rates

29/09/2024

Labour's tax raid on the wealthy could leave UK worse off - Rachel Reeves urged to consider changes to state pension as 'we can't afford it'

29/09/2024

The 4% pension rule to retire comfortably

17/09/2024

Black Monday: What the current stock market turbulence means for your savings and investments

05/08/2024

How married couples can boost their retirement wealth by £410,000

12/07/2024

Boost for holidaymakers as pound surges to new high: UK travellers urged to purchase foreign currencies now to lock in the best rates - as map reveals top ten destinations where you can get the most for your money

12/07/2024

How big should my pension be at 50? Expert lifts lid on exact amount

09/07/2024

Is a Conservative or Labour government better for the stock market?

03/06/2024

Brokers criticise AIG for penalising new mum

20/05/2024

How much retirement income would you get from a £250,000 pension pot?

15/05/2024

Advisors Reveal Bizarre Reasons Clients Don’t Take Out Life Insurance

14/05/2024

Brokers share most bizarre reasons why borrowers refuse life cover

13/05/2024

What is pension drawdown?

14/03/2024

More than £4 billion of tax reliefs and perks are unclaimed – does HMRC owe you money?

13/02/2024

State pension fund ‘to run dry’ in 20 years ‒ will you get one?

17/01/2024

Can Your Retirement Dreams Come True In 2024?

01/01/2024

Can you afford to retire in 2024?

29/12/2023

Your retirement income could be taxed – here’s how to get your return right

21/12/2023

Adviser raises consumer duty concerns over Hargreaves’ cashback offer

12/12/2023

500,000 UK households will have £500 wiped from bank account each month

06/12/2023

Brokers react to the FCA’s ‘Consumer Duty Next Steps’ Webinar

06/12/2023

39% of adults say they will not be able to save money in the next 12 months – ONS

04/12/2023

'Lived experience' of inflation much higher than CPI figures, new ONS data suggests

04/12/2023

'Lived experience' of inflation much higher than CPI figures, new ONS data suggests

04/12/2023

'Lived experience' of inflation much higher than CPI figures, new ONS data suggests

04/12/2023

"Unworkable" and "incoherent": advisers respond to 'pension pot for life' announcement

24/11/2023

Hunt’s pension ‘pot for life’ idea would be nightmare to set up, experts say

22/11/2023

Inflation is falling, so what should businesses do about pay rises now?

17/11/2023

Client advice: how safe are pension buyouts?

14/11/2023

‘Gold-plated’ public sector pensions are set to rise again...at taxpayers’ expense

19/10/2023

Employer pension contributions can be worth a tax charge

28/09/2023

The 4% pension rule to retire comfortably

28/09/2023

Advisers praise Labour for ruling out wealth tax

29/08/2023

Number of clients forgetting inflation 'surprising', say advisers

09/08/2023

'Zombie bank account' warning to UK customers who risk losing thousands

07/08/2023

Millions could be lost in 'zombie' accounts, advisers warn

07/08/2023

How parents can cut their child's university costs (without paying for everything)

08/08/2023

It’s surprising ‘how many savers forget about inflation’ and should switch to higher interest accounts

08/08/2023

Savings warning as ‘millions of pounds lost’ in zombie accounts despite interest rate rise

07/08/2023

CASH BLOW Bank warning over ‘zombie’ account that could see you lose cash

07/08/2023

‘Millions of pounds in interest being lost’ in Zombie accounts as rates rise

07/08/2023

Should I pay off my mortgage early or boost my pension?

07/08/2023

Inheritance tax is Britain’s most unfair levy, according to poll

29/07/2023

Government collected almost £6bn in IHT that should have gone to the children and ‘hard-working families’

27/07/2023

ONS IHT data: “Govt collected almost £6bn in IHT that should have gone to the children and beneficiaries of hard-working families”

26/07/2023

Keeping insurance advice in frame tougher in economic climate, brokers say

11/07/2023

More people considering cancelling their personal insurance to enable them to pay utility bills and mortgage

10/07/2023

Rising costs push Brits to consider cancelling insurance policies

10/07/2023

More people cancel protection policies due to economic challenges

10/07/2023

Popularity of responsible funds set to continue, IFAs say

04/05/2023

IFAs expect Ssas interest to boom following Spring Budget

20/03/2023

IFAs say obsessively checking investment apps can be “hazardous to your wealth”

16/03/2023

Spring budget 2023: how will ‘back to work’ reforms impact businesses?

16/03/2023

Budget announcements – reaction from accountants, IFAs, brokers and IT experts

15/03/2023

Spring Budget 23: Advisers respond to the pensions LTA abolishment

15/03/2023

Spring Budget 23: LTA scrap 'could see more people turn to IFAs'

15/03/2023

Latest ONS report shows cost of living crisis leading to high anxiety for many – finance experts and psychologists react

22/02/2023

What 12 months of interest rate rises did to our finances – and what to do next year

17/12/2022

Mind the gap: do advisers think the advice gap is growing? Reaction

06/12/2022

'Advice profession can't support a levelling up agenda driven by the FCA'

05/12/2022

IHT freeze: Advisers say mitigation is 'all in the planning'

17/11/2022

'We shouldn't have to mitigate IHT'

16/11/2022

Mind the penalties if you withdraw from your pension early

09/11/2022

The unpopular mortgages that could shave £250 a month off your repayments

08/11/2022

Banks warn of house price slump as mortgage payments rocket and fears of ‘forced sales’

30/09/2022

Chancellor announces boldest cuts in tax rates for decades: Eight ways you can go even further and bolster YOUR budget with tax savings

24/09/2022

Stamp duty cut slammed for ‘propping up house prices’ and benefiting the wealthier

25/09/2022

FTSE 100 closes higher as investors await US Fed rate decision

21/09/2022

Stamp Duty cut – latest industry reaction and analysis

22/09/2022

Is another stamp duty holiday on the cards?

21/09/2022

Should you lock in for a decade as 10-year mortgage fix now cheaper than a two-year?

08/09/2022

Will there be a recession in 2022 and what could it mean for your money?

09/08/2022

BoE hikes rates by 0.5%: “Homeowners facing a world of pain” say experts

04/08/2022

Half a century of debt with ‘gimmick’ 50-year mortgage terms

04/07/2022

'I have finally paid off my debts, can I retire?'

30/07/2022

State pension: Shock figures reveal just ONE in 20 OAPs receive full weekly payment

29/06/2022

Pensions minister admits his own gold-plated pension is ‘unsustainable’

13/06/2022

From better phone deals to making a house offer, here’s how to haggle a better deal.

11/06/2022

How to haggle a better deal, from cheaper phone deals to putting an offer on a house

11/06/2022

Cash Isa take-up slumps amid cost of living crisis

08/06/2022

BoE Money & Credit report – “Alarm bells at the Bank of England” say experts

31/05/2022

How could the FCA's focus on ARs affect advisers?

30/05/2022

Clients putting aside more for care costs say Planners

30/05/2022

ONS report on self-funding in care homes – “stealth tax on cost of care” – reaction from IFAs and the DHSC

30/05/2022

Pensions time bomb warning as £150bn wiped off the value of gilts – the biggest fall in 30 years

21/05/2022

Mortgage and landlord possession statistics: Experts share their thoughts with IFA Magazine

19/05/2022

Inflation hits 9%: Finance experts say this is “a horror story” for savers

18/05/2022

Here’s what record inflation means for your life in the years to come

18/05/2022

Inflation jumps to highest level in four decades

18/05/2022

PROPERTY PREDICTIONS Will there be a house price crash?

09/05/2022

Older DC pensions could be costing clients 'thousands'

06/05/2022

How today's interest rate hikes affects YOU

05/05/2022

Klarna to report to credit agencies amid BNPL crackdown

04/05/2022

13 mortgage brokers and estate agents share their thoughts on the Nationwide April HPI

29/04/2022

Workers failing to save enough for retirement say Planners

20/04/2022

Families, business owners and self-employed workers react to spring statement

23/03/2022

Should Brits use property to fund retirement?

09/03/2022

UK investors shun UK quoted stocks, as overseas investors pile in

03/03/2022

Advisers urge investors to sit tight following Russian invasion of Ukraine

24/02/2022

Cash is crucial for emergencies but it’s a calamity for growth – advisers comment on cash holdings

16/02/2022

Video calls “the foundation of modern financial advice”

08/02/2022

Mere 12% of UK adults seek advice on wealth transfers

03/02/2022

Inflation is no 'mythical bogeyman', advisers warn

27/01/2022

ONS: only 46% of people expect to be able to save money in 2022 – advisers voice their concerns

24/01/2022

Robo-adviser exits ‘saturated’ UK market

06/12/2021

Is this a good time to overpay my mortgage?

03/12/2021

How much do you need to be happy in retirement? Britons may need up to £30,000 per year

20/11/2021

The Midlife Pension Review: Why Freelancers And Founders Need One More Than Most

12/11/2021

FSCS 'guillotine' hanging over mortgage firms

12/11/2021

The race to fix your mortgage rate for 30 years

31/10/2021

Buying a holiday let: Can you get more for your money...

26/10/2021

Interest rate rises: Will a 15-year mortgage fix protect homeowners?

21/10/2021

Brits Purchasing Power Halved: Top Tips To Make Your Money Stretch With Rising Inflation

22/10/2021

How are small businesses reacting to the inflation dip?

22/10/2021

Interest rate rises: Will a 15 year mortgage fix protect homeowners

21/10/2021

City rejects looming interest rate rise: 'Old Lady should adopt Maradona theory'

14/10/2021

Broker tech needs more input from advisers ‒ analysis

13/10/2021

Spiralling household bills ‘will wipe £15,000 from your mortgage offer’

07/10/2021

House price dip ‘might never happen’ as supply crisis worsens

30/09/2021

House prices will 'gradually deflate

16/09/2021

Hike in inflation will hit small businesses ready to scale-up

15/09/2021

Exclusive: Experts weigh in on why more older people are exiting the workforce earlier

09/09/2021

Tax Rises to Dent the Recovery, Pound Sterling Falls against Euro, Dollar

07/09/2021

House prices hit fresh high as growth softens: Halifax

07/09/2021

House price growth slows but still hits record high: Halifax

07/09/2021

Pandemic failed to halt growth of workplace pensions

02/09/2021

HOW TO PASS(OVER) wealth to the next generation

26/03/2020

Advice industry pulls together amid Covid-19 isolation

25/03/2020

Thousands added to inflation-linked insurance premiums

19/09/2019

Is your inflation-linked insurance policy costing you much more?

19/09/2019

First-time buyers, now is the time to get on the property ladder (The Times)

06/09/2019

VochedFor Ultimate Guide

01/02/2019

British Friendly adds terminal illness to protection (FT Adviser)

03/12/2018

Advisers relying on multi-asset funds for diversification (FT Adviser)

09/02/2018

How to save for a simcha

14/02/2019

The case for commodities (FT Adviser)

01/07/2018

Internet banking leaves online savings behind (FT Adviser)

08/08/2018

Advisers weigh up risks to rising US stocks (FT Adviser)

14/09/2018

Advisers relying on multi-asset funds for diversification- (FT Adviser)

09/02/2018

How to determine your investment goals

14/09/2017

European equity funds beat UK post Brexit

19/06/2017

What kind of clients are taking advantage of second charge?

08/05/2017

Earn 3.5 hours of CPD on specialist finance

08/05/2017

Getting commercial mortgages for your clients

08/05/2017

Employees want better financial education from employers

28/04/2017

Are advisers using master brokers?

08/05/2017

Investing for a loft conversion: We explore the funds that could help you create your dream home

04/05/2017

Fund fees in focus: We analyse whether high ongoing charges can ever be justified

20/10/2016

Financial planning in divorce

11/08/2016

Routes to the best financial advice

18/01/2016

I’ve cleared some debts and am earning more money each month, should I put it in savings or towards my mortgage?

13/03/2015

Upbeat outlook for IFAs

09/07/2014

Should I save for a big deposit or just use Help to Buy to get on the property ladder as soon as possible?

15/10/2013

Are mortgage rates now on the rise? Party looks over for lowest rates as lenders start to inch up costs

12/09/2013

My brother-in-law wants to buy his dad’s house on the cheap to help clear his debt. Is he doing him a favour, or ripping him and the family off?

24/05/2013