juergen.ruff.consulting (2023 Winner: Management Consulting Awards)

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Retirement Unlocked: Essential Insights for Every Age

People nearing state retirement age are reportedly saving less than any other age group in the UK, according to research conducted by investment, protection, retirement and in-house advice specialist, LV=. Data produced in LV’s Wealth and Wellbeing Research

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Why Many Professional Services CFOs Are Advocating Deliverable-Based Pricing

By Tracey Shirtcliff, founder and CEO of SCOPE Better, the Pricing Platform designed for professional services. If anyone in a business understands the importance of a strong pricing strategy, it’s the CFO. You’re acutely aware of the impact that emerging

What to Expect From a Securities Lawyer for Investment Issues

Florida’s biggest cities, Miami, Tampa, and Orlando, aren’t just tourist magnets. They’re major financial hubs too, home to investors, retirees, and firms managing billions. However, legal disputes are rising with many Floridians investing in

Should Your Home Work for You in Retirement? Here’s What the Wealth Experts Say

Retirement’s a big milestone, and for lots of folks, it comes with a paid-off home. That’s more than just a place to crash—it’s a serious asset. Your house can help fund your goals, give you peace of mind, or keep things flexible. But t

businesswoman working using calculator with money stack in office

Accounting Experts Break Down the Most Common Mistakes SMEs Make

A staggering 40% of small businesses in the UK admit to making money management mistakes, from mixing personal and business expenses to neglecting tax compliance. With increased financial stress in a volatile economy, these small mistakes can stealthily decrea

Secure business operations and financial data from cyber threats.

Android Financial Threats on the Rise: What Small Businesses Need to Know to Protect Themselves and Their Customers

By Tony Anscombe, Chief Security Evangelist at ESET The rise of mobile banking and financial management apps has changed how businesses and customers interact. The intent: offering increased convenience and efficiency. However, this shift has also opened new d

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Android Financial Threats on the Rise: What Small Businesses Need to Know to Protect Themselves and Their Customers

Why More Businesses Are Embracing Crypto Investment

By Peter Curk, CEO of ICONOMI Cryptocurrency investment has always been seen as too risky for businesses. Although potentially lucrative, it’s inherently volatile, with significant fraud potential, meaning that most businesses have preferred to put their mon

Busines using a computer to complete Individual income tax return form online for tax payment.

Intuit Unveils New QuickBooks Solution Ahead of Making Tax Digital for Income Tax

Delivering simplified experiences, on a single platform, for an additional 1.88 million self assessment tax filers Intuit Inc., the global financial technology platform that makes Intuit TurboTax, Credit Karma, QuickBooks, and Mailchimp, announced that QuickB

Zotus City: Gateway to Africa’s Investment Renaissance

As global investors seek new regions of growth and resilience, Africa is increasingly seen not just as a frontier — but as the future. With rising urbanisation, accelerating digital adoption, and a demographic boom, the continent is poised to reshape the glo

Digital Deal: Tech Partnership Handshake.

Trustly and Paytweak Announce New Innovative Payment Solution for European Merchants

Trustly, the world’s industry leader in Account-to-Account (A2A) payments, announces the signing of a strategic partnership with Paytweak, a French fintech specialising in modern payment links. This 100% SEPA solution integrates Paytweak's smart payment conn

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DIY Is Dead: Why Building Your Own Financial Tech Could Sink Your Business

By Philipp Buschmann, CEO and Co-founder of AAZZUR There’s an old saying: just because you can do something, doesn’t mean you should. This has never been more relevant than when companies consider creating their own financial tech from the ground up.&nbs

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Trustly and Paytweak Announce New Innovative Payment Solution for European Merchants

Digital Banking, Mobile Finance, Secure Transactions

Arma and DAI Magister Founder Launches Specialist Tech Investment Bank Artis Partners

Headed by Victor Basta and Steve Bachmann, the boutique firm will focus on delivering high-value exits for US and European growth stage companiesVictor Basta, together with Steve Bachmann and Dorian Maillard, has launched a new investment bank, Artis Partners,

Analyst team use sticky note and laptop for financial insight with business Fintech paper for data analysis dashboard. Creative and analytic brainstorming for business marketing strategy idea.

5 Essential Marketing Strategies for Lenders and Brokers to Drive Growth

By Nicola McCoosh, founder and CEO of Yada Yada Finance In today’s competitive financial services landscape, many lenders and brokers struggle to meet their growth targets when relying solely on ad-hoc or siloed marketing activities. Whether it’s sporadic

Lost in Translation: Navigating the Global Financial Landscape with AI

By Lloyd Farrow, Sales & Marketing Director at LanguageLine Solutions UK As international markets become increasingly interconnected, financial institutions are extending their reach beyond domestic borders to access new markets and diversify their portfol

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6 Common Mistakes That Could Invalidate Your Business Insurance

Business owners are being warned to keep their providers up to date or risk invalidating their insurance. Insurance comparison experts from Quotezone.co.uk have highlighted six ways businesses may have unknowingly invalidated their business insurance

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Financial Advisors: The Types of Purchases That Could Impact Your Credit Score When Made on a Credit Card

Credit cards are a convenient way to manage finances, but how you use them can significantly affect your credit score. Sovereign Boss Financial Advisors, a leading financial advisory firm in the UK, outlines the types of purchases that could harm your credit s

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Retirement Unlocked: Essential Insights for Every Age

Why Many Professional Services CFOs Are Advocating Deliverable-Based Pricing

Accounting Experts Break Down the Most Common Mistakes SMEs Make

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New Data Reveals An Estimated £47 Million Saved by UK EV Drivers Renewing Road Tax Before April Deadline

1,467% surge in Vehicle Excise Duty (VED) renewals to secure final year of tax-free driving for electric cars. According to new research from cinch, the UK’s biggest online used car retailer, electric vehicle (EV) owners in the UK saved a potential £47,696,

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How Can Estate Planning Help Build Generational Wealth?

The average person toils to get ahead and leave a financial legacy for future generations. Handling estate planning correctly ensures the money goes where it's intended rather than getting eaten up by taxes and probate fees. Financial advisers can navigate cli

Two in Five Finance Brokers Expect Surge in SME Demand for Loans Over £100,000 in Next Year, as Recession Fears Ease

New research reveals two in five (42%) SME finance brokers expect demand for loans above £100,000 to surge in the next year SMEs requesting large loans to realise growth targets –– a quarter (26%) of brokers say that firms are applying for loans over £10

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Two in Five Finance Brokers Expect Surge in SME Demand for Loans Over £100,000 in Next Year, as Recession Fears Ease

British Pounds, Calculator and Money File

UK Cash Savings Surge to Record £2.05 trillion Leaving Savers Heavily Exposed to Falling Interest Rates

Cash savings have risen £51bn year-to-date to reach £2.05 trillion* Cash savings are now worth 80% of UK National Debt But despite high interest rates, cash has returned less than a third of that returned by stocks and shares this year Savers have missed out

Economy finance and investment background

Why Your Business Won’t Secure VC Funding

UK start-ups raised £2.2 billion in new venture capital funding in the third quarter of 2024, marking a significant decline from the £4.4 billion secured in the previous quarter, according to recent data from HSBC. In this increasingly competitive landscape,

5 Essential Marketing Strategies for Lenders and Brokers to Drive Growth

Woman In Grocery Aisle Of Supermarket With Coupons

Coupon Expert Reveals How You Can Save Hundreds On The Weekly Shop

In today's world of rising living costs, finding ways to save money on weekly shopping is more important than ever. Making small changes to the way you shop, and mastering the art of couponing, can lead to significant savings, sometimes hundreds of pounds over

Young couple reading bad financial report

Home Fuel Expert Shares How Switching from Oil to LPG Can Have a Positive Impact on Your Finances

Choosing the right fuel to power your property is an important decision, as it can affect how warm your home gets during the cold winter season and save you precious money on the gas bill at the end of the month. For those householders who live off the grid, o

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How Can Estate Planning Help Build Generational Wealth?

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Market Falls – How Long Does a Stock Market Recovery Take?

Aaron Gibbs, Personal Finance Commentator at Charles Stanley The recent tariff-induced market sell off saw some of the biggest daily stock market falls since the Covid-19 market crash in 2020. The well-known S&P 500 index in the US fell around 20% from its

DIY Is Dead: Why Building Your Own Financial Tech Could Sink Your Business

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finmid Expands to 20 Countries, Empowering Platforms to Drive SME Financing in Europe

With unmatched geographical reach, finmid enables platforms to close financing gaps for SMEs across underserved European markets. finmid enables B2B platforms to offer financing solutions to small and medium-sized businesses. Its modular financing infrastructu

A car dealer signs a contract for a new car at a car dealership.

Decoding Car Finance: Expert Tips for Selecting the Best Payment Plan

In recent years, 80% to 90% of new cars and an increasing number of used vehicles have been bought with finance agreements. With car prices continuing to rise, the growing need for car financing has become more evident as consumers increasingly rely on various

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Engaging the Next Generation of Investors

By Matt Ryan We are used to seeing the word ‘millennial’ as a shorthand for young people, or even teenagers, often alongside shopworn cliches about avocado toast and phone addiction. However, as of 2024 millennials can be as old as 43 – some are grandpar

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Retirement Unlocked: Essential Insights for Every Age

New Data Reveals An Estimated £47 Million Saved by UK EV Drivers Renewing Road Tax Before April Deadline

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How to Budget for Travel in 2025: 7 Expert Tips

If you’re experiencing wanderlust, hopping on a plane or train to your favorite or new destinations is the best cure. Finances can get in the way of your dream vacation, so smart planning is critical. How can you get the most from your budget? Here are seven

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What Are the Tax Implications of Withdrawing From Your Retirement Fund?

Withdrawing funds from a retirement account can trigger a range of tax implications depending on the type of account and the timing of withdrawal. When advising clients on long-term planning, a solid understanding of these tax rules is critical to preserving w

Three-Quarters of UK Workers Expect Responsible Pensions From Their Employer

Nearly three-quarters (72%) of UK employees say it is important that their employer offers a responsibly invested pension, new research from Scottish Widows reveals. Yet despite this demand for responsible investing, almost half (47%) don’t know whether the

Teenager reading documents on tablet given by student loan advisor in office

Gen Z Prioritises Financial Planning and Saving Amidst Growing Economic Challenges

New research shows that Gen Z would use financial support from parents to prioritise saving for their future and deposits for a mortgage over one-off purchases and travelling. Four in five (81%) Gen Z adults have had a conversation about what they might inheri

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Getting Taxpayer and Stakeholder Feedback Is How Tax Policy Should Be Developed by HMRC

Electronic invoicing consultation invited businesses, sectors and advisors to all feed into new policy Getting taxpayer and stakeholder feedback is how tax policy should be developed by HMRC, say leading audit, tax and business advisory firm, Blick Rothenberg.

New Data Reveals An Estimated £47 Million Saved by UK EV Drivers Renewing Road Tax Before April Deadline

Intuit Unveils New QuickBooks Solution Ahead of Making Tax Digital for Income Tax

oung woman hand using calculator to calculating balance prepare tax reduction income

Awareness Without Understanding: Self Assessment Tax Payers Know About MTD—But Many Still Don’t Understand It

While 91% of UK self assessment tax payers have heard of Making Tax Digital (MTD) for income tax, new data reveals a critical gap between awareness and readiness. Alarmingly, 21% of taxpayers with untaxed income over £50k don’t believe they’re affected by

What Are the Tax Implications of Withdrawing From Your Retirement Fund?

Senior mature business woman holding paper bill using calculator

Less Than Half of UK Adults Aware of Pension Tax-Free Cash Limits

According to data from investment, life insurance and retirement specialist LV=, only 46% of non-retired UK adults with a pension say they understand the financial implications of how much tax-free cash they can take from pension savings. The findings have bee

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Android Financial Threats on the Rise: What Small Businesses Need to Know to Protect Themselves and Their Customers

Hacker attack. Security breach, system hacked, internet cyber attack alert with red broken padlock, cybersecurity.

Under Threat: Public Sector Facing Advanced and Relentless Cyberattacks

By AJ Thompson, CCO at IT consultancy Northdoor plc Third-party IT consultants can supplement internal teams allowing for a comprehensive view of where vulnerabilities lie. Public sector organisations in the UK are facing an increasingly severe threat of advan

7 Urgent OT Security Challenges Every Business Must Address

By IDS INDATA Experts suggest cyberattacks are evolving faster than you can keep up – Here’s how to protect your business. Ransomware is costing UK businesses thousands. Medium to large businesses face data breach losses of over £3.5 million, and Ra

UK Connect Elevates Cybersecurity Capabilities with BlueFort Partnership

Partnership enhances UK Connect’s offer to Britain’s biggest construction companies UK Connect CTO Joe Budnar-Hunt: “Cybersecurity integration is more important than ever before” BlueFort CTO Josh Neame: “Delighted to work with UK Connect’s suite o

ALSO Cloud UK Highlights Need for Robust, Proactive Cybersecurity Measures Against Ongoing Ransomware Threats

ALSO urges UK businesses to employ robust cybersecurity measures against ongoing, AI-boosted ransomware attempts. With a shift towards malware-free attack techniques reported by CrowdStrike's 2025 Global Threat Report, to be one of the defining tre

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Over a Third of Finance Leaders Fear Geopolitical Tensions and Economic Conditions in 2025

New data from the latest annual SAP Concur CFO Insights Survey* reveals the evolution of top priorities for finance leaders amid challenging economic conditions and geopolitical tensions – from AI to cybersecurity. The 2025 research highlights the oppor

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Management Consulting Awards 2023

juergen.ruff.consulting