Noula Wealth Consultancy Limited

04/09/2026

The summer holidays have a habit of putting cracks in relationships under a spotlight. If the summer holidays had you quietly wondering about what life might be like outside of your current relationship, here are three financial assumptions about divorce that catch people out.

1: The house always gets split 50/50
Not necessarily. Courts consider needs first, especially where children are involved. The parent with primary care often keeps the family home, at least until the children are grown, with other assets balanced out elsewhere.

2: "I'll keep the house, they can keep the pension"
This sounds like a fair trade on paper. In reality, pensions are often the largest asset in a marriage, larger than the house in many cases, and giving one up without proper advice can leave you significantly worse off in retirement, even if it feels like the simpler option now.

3: If my name isn't on it, it's not mine
Assets built up during a marriage are generally considered shared, regardless of whose name is on the account or the deeds. Equally, being the higher earner doesn't automatically mean walking away with more.

None of this is straightforward, which is exactly why it's worth getting proper advice before agreeing to anything.

26/08/2026

Notting Hill Carnival hits London streets again this coming weekend. It’s a massive celebration of heritage, community and everything that's been passed down through generations. It’s got me thinking about what gets passed down in families beyond culture and traditions.

Money, and the values around it also get passed down from one generation to the next.

In many of the families and communities I work with, especially my Greek and Cypriot clients here in London, there's a strong tradition of supporting each other financially.

- Parents helping children onto the property ladder.
- Grandparents contributing to a child's future.
- Money pooled together for a family business or a wedding.

These are expressions of values that have been handed down for generations.

But traditions rarely translate neatly into UK tax rules, estate planning or pension structures. While financial support might feel natural within your family, this can sometimes create unexpected complications if it isn't planned properly, particularly around inheritance tax or gifting allowances.

That's where good advice matters to help you make the right decisions financially as well as emotionally.

What financial values did you inherit from your family, and are you passing them on the way you'd like to?

17/08/2026

School’s out for summer and it’s a time when people often have the opportunity to take a breath and reflect a bit on what’s happened in the year.

Perhaps you had some financial plans for 2026, which is great, but have you checked in with those plans to see if you’re making progress?

If not, now could be a great time to ask yourself a few questions:

Savings & spending
• Am I still sticking to the budget I set in January, or has it quietly slipped?
• Have I built up (or maintained) an emergency fund of 3-6 months' expenses?
• Are there subscriptions or direct debits I've forgotten to cancel?

Tax efficiency
• Have I used any of this year's ISA allowance yet, or am I leaving it to the last minute again?
• Am I on track to use my full pension annual allowance, or is there room to contribute more before the tax year ends?
• Have I checked whether I'm still eligible for allowances I used last year (marriage allowance, dividend allowance, etc.)?

Protection & risk
• If my income stopped tomorrow, would my current cover (life, income protection, critical illness) actually be enough?
• Has anything changed this year, a new job, a mortgage increase, a new dependant, that means my cover needs updating?

Investments
• Has my attitude to risk changed at all this year, and does my portfolio still reflect that?
• Am I still comfortable with how diversified my investments are?
• Have I checked in on performance, or have I been avoiding looking?

Big picture
• Is there a decision I've been putting off because it feels overwhelming (consolidating pensions, writing a will, having "the money conversation" with a partner)?
• If I look ahead to December, what would I want to have sorted by then?

Taking a proper look at where things are currently means you can get to the end of the year in a much better place rather than looking back, finding things that were missed and making yet another New Year’s Resolution that never delivers.

How often do you review your finances during the year?

27/07/2026

A close friend calls you. She's 52, recently separated, and absolutely terrified about money.

What would you tell her?

I know what I'd say, because I've had this conversation many times, both personally and professionally.

Start by finding out what you actually have. Not what you think you have, or what you've been told you have. Get the statements, find the pension letters, know your numbers.

Understand that a divorce settlement is not just about today. It's about the next 30 or 40 years. A lump sum might feel generous right now but leave you vulnerable later. Pension assets might feel abstract but could be the most important thing you walk away with.

The most important piece of advice I can give you is to get your own adviser. Someone who is working for you, understands your situation, and has no interest in a quick resolution at your expense.

The women I work with who come out of later life divorce in the strongest position are usually the ones who asked the right questions to fully understand the process and their options.

Have you been through a later life divorce?
What's the one thing you'd pass on to someone going through it now?

21/07/2026

09/07/2026

The Wimbledon Ladies' Final is one of my favourite days of the sporting calendar.

Two women. Centre Court. The biggest stage in tennis. Millions watching.

Whatever happens on Saturday, both players will have spent years building toward that moment. Early mornings, setbacks, self-doubt, and the discipline to keep going anyway.

That's not so different from what I see in the women I work with every day.

Women who have come through divorce or bereavement and are rebuilding their financial lives from scratch.
Women who have spent years putting everyone else first and are finally turning their attention to their own future.
Women who had no idea where to start but started anyway.

Around 1 in 5 women in the UK have no private pension at all. And women who divorce or are widowed later in life often find themselves managing finances alone for the first time, with less time to recover the gap.

The players on Centre Court didn't get there by hoping it would work out. They had a plan, a coach, and the courage to keep showing up.
That plan might mean consolidating your pension pots, reviewing what you actually have, or simply having a first honest conversation about where you stand. None of it is as complicated as it looks from the outside.

You don't need to be a Wimbledon finalist to apply the same thinking to your finances. You just need to decide that your financial future is worth showing up for.

Are you ready to pick up your racket?

01/07/2026

I work predominantly with women clients.

Why?

Because many women feel more comfortable sharing their intimate financial information with another woman. They feel less likely to be judged if they haven’t yet saved enough or they don’t fully understand pension or inheritance tax planning.

Older women are particularly vulnerable because often finances were managed by their partner. If the relationship breaks down in later life or their partner dies, it can be a huge shock to suddenly have to be in charge of their money.

Talking about their options over a cup of tea or coffee helps enormously. The fact-finding part of my job is one of the areas I enjoy most. It’s all about getting to know the client, helping them see that things aren’t as complicated as they thought and giving them confidence to handle their future finances.

Women can relax with a female advisor.

That’s my experience any way.

If you’re a woman, when did you last talk to a professional about your money?

12/06/2026

Women's cricket has long been underfunded and undervalued compared to the men's game, and the Women's T20 World Cup is an opportunity to celebrate how far it's come. The first over will be bowled on 12 June at Edgbaston – will you be watching?

A T20 cricket match lasts around three hours. With just twenty overs per team, every ball counts. There's no time to ease yourself in gently or leave it until later in the innings. You have to start playing from the moment you walk out to the crease.

I speak to a lot of women who feel they've missed their financial innings altogether.

They spent their thirties raising children or supporting a partner's career.
Their forties managing a household and holding everything together.
And now, in their fifties, they look at their pension and wonder if it's too late to do anything meaningful about it.

I promise you. It isn't.

If you're 50 with a modest pension pot, ten to fifteen years of serious contributions, combined with employer matching and tax relief, can still build something substantial. If you're 45 and starting from scratch, time and compounding are still firmly on your side.

The mistake is waiting for the perfect moment to begin, because that moment doesn't exist. The best time to start your financial innings was twenty years ago. The second-best time is now.

What's one thing you could do this month to take your finances more seriously?

09/06/2026

No team turns up to a World Cup hoping for the best. You just don’t win by rocking up and playing.

Players, managers, coaches, medics, assistants and myriad other people have been working diligently towards the ultimate prize.
Every eventuality is planned for, because when you get to the tournament, there's no time to start thinking about strategy. You either have a plan or you don't.

The World Cup kicks off this week in Mexico – bigger and bolder than ever before. Behind all the headlines, the hard work has been going on for months, even years.

But many people arrive at retirement having never planned.
Financial planning has always felt like something to get round to. Something for later. The problem is that later arrives faster than you think.

The teams that win tournaments don't just have talent. They have structure, discipline and a clear picture of where they want to end up. They know what success looks like and they've worked backwards from it.

It’s the same with retirement. It’s a long-term goal and you can't simply decide one day to stop work. It doesn’t work like that.

You need to define your goal, plan and execute for years before you’re in a comfortable position to retire. Many people never do that planning. Or at least, they don’t plan well enough. And retirement becomes a financial struggle.

Have you got a financial game plan, or are you still hoping for the best?

27/05/2026

Money is STILL one of the most taboo subjects between family members. And having a conversation with aging parents can be the trickiest of all.

Sometimes it takes an outsider to come in and facilitate, to keep the conversation from becoming too emotionally charged and help you reach the right outcomes for everyone.

Not talking about money can lead to parents being unable to financially support themselves in later life, problems paying for additional care that might be required or a nasty inheritance tax bill, some of which could have been avoided if Dad wasn’t so stubborn about letting people help.

If you’re in this situation with your parents, a financial advisor might be able to get the ball rolling on sorting this out.

When did you last talk to your parents about money?