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If you live in Kent, you’ve probably heard David Braithwaite’s voice before. As the Money Mentor on BBC Radio Kent, he’s known for making financial topics easy to understand, and fun to listen to. But away from the microphone, David is also the founder and Principal Adviser at Citrus Financial, a business he built from […]

Inheritance Tax (IHT) has always been a hotly debated subject, but it’s now firmly in the spotlight again as the Chancellor looks for ways to raise more money for the Treasury. With potential changes on the horizon, it’s more important than ever to understand how IHT works, and what it could mean for your family’s

Retirement isn’t what it used to be — and that’s a good thing. In this Money Mentor episode, David Braithwaite talks about how retirement has evolved from the traditional “gold watch on Friday, retired on Monday” model to a more flexible, purposeful stage of life. David explores why many people now work part-time, consult, or

Fraudsters are getting slick — but you can stay one move ahead. In this Money Mentor episode, David Braithwaite shares the latest scam tactics (spoofed phone numbers, “update your payment” emails, fake council-tax refunds, and even QR-code stickers in car parks) and how to beat them. What you’ll learn in minutes: The classic red flags:

HMRC figures* show the 2024/25 tax year saw a record £8.2bn raised in IHT, a £800m increase on the previous tax year. The new tax year kicked off in the same vein with the Treasury collecting £780m in IHT in April 2025 alone, up £97m from April 2024 – making it the second-highest monthly IHT

One in six people with a partner are unsure who would inherit their pension savings if they were to die before accessing them*. While the majority – 65% – have nominated their spouse or partner as their named beneficiary, others have chosen different paths: one in five say they have selected another family member, while

Calm, insightful and highly respected, Craig Brady is a key part of the Citrus Financial team. With a first-class Economics degree, a sharp analytical mind and a natural ability to explain complex ideas clearly, Craig has built a reputation for being both technically excellent and genuinely approachable. He joined Citrus as a paraplanner in 2016

A recent BBC Panorama investigation has thrown a spotlight on a worrying, and illegal, practice in the UK property market: conditional selling by estate agents. If you’re planning to buy or sell a home, this is something you need to be aware of. What is Conditional Selling? Conditional selling happens when an estate agent pressures

If you’re an Amazon Prime subscriber, you’re probably used to the annual charge for your membership. But now fraudsters are exploiting this familiarity with a new scam designed to trick you into handing over personal and financial information. What’s the scam? Subscribers have reported receiving convincing emails claiming their Amazon Prime subscription is about to

Talking about money might not be your idea of romance, but it’s one of the best things you can do for your relationship. As someone who’s spent over two decades helping people with their finances, I’ve seen how easily couples fall into the same traps… and how much better things go when they don’t. Here