About the expert

Sarah Coles is AJ Bell’s Head of Personal Finance. She’s passionate about helping people get to grips with their money, so they have more freedom to do the things that really matter to them in life.

Sarah regularly provides insight and analysis for the press, writes columns and articles and appears on TV and radio. She covers everything from savings and investments to pensions and tax.

Sarah is an award winning former financial journalist, spending almost 20 years working for publications from Bloomberg to Moneywise and AOL Money. 

Sarah has worked as a financial spokesperson for the past nine years, and most recently won Headline Money’s Expert of the Year award.

Latest articles from Sarah Coles

  • 15 October 2026

    Six tax tips that could save a higher-rate taxpayer £8,500 ahead of the Budget

    Waiting for the Budget to drop can be a nerve-wracking experience, as people worry it might land them with a bigger tax bill in the years to come. But rather than just bracing for impact, it’s worth using this opportunity to take some positive steps to save tax, so you’ll be better off regardless and in a stronger position to face whatever the...

    5 min read
    Author
    Calculator with money
  • 12 October 2026

    How can I protect a £20,000 windfall from tax after using my ISA allowance?

    Ask the experts. Sarah Coles is on hand to answer your personal finance questions. If you’d like a question considered for a future edition send it in now .

    Or alternatively leave a rating for the article and include your question in the comment box.

    I currently use all my normal “tax free allowances” including a cash ISA and the £1,000 personal...

    6 min read
    Shares magazine
    Man and lady in park
  • 8 October 2026

    What do people do with their pension lump sum?

    The tax-free lump sum is everyone’s favourite part of the pension. People with little or no interest in pensions overall hit the age of 55 and realise they can get their hands on tens of thousands of pounds overnight. They can suddenly buy things they have always wanted, from cars to holidays and home improvements. However, there’s a risk some of...

    4 min read
    Pensioners on holiday
  • 5 October 2026

    ISA questions answered

    Discover answers to the most searched ISA questions, including types, allowances, risks, and benefits. Learn how to make the most of your ISA.

    9 min read
    Author
    Build - new learn article - ISA questions
  • 1 October 2026

    The hidden financial cost of caring for a loved one

    Andy Burnham has laid out his intentions to fight the next election on a platform of free social care at the point of use. It’s a difficult move politically, because it has immediately sparked speculation as to how it would be funded and whether there could be new taxes or some sort of change to the state pension triple lock.

    However, such a move...

    6 min read
    Author
    Looking after father
  • 1 October 2026

    FCA secures £1.5m crypto scam payout: seven tips to avoid investment fraud

    Victims of a £1.5 million fraudulent crypto investment scheme should finally get some of their money back. It’s a real victory for the Financial Conduct Authority (FCA), but some of the victims have had to wait almost 10 years for this news, and even once the money eventually arrives, they won’t get a full refund. It’s why it’s so important to be...

    3 min read
    Author
    FCA logo
  • 28 September 2026

    Budget 2026: the tax rises people are most against

    The past couple of Budgets have marched noisily towards us for months, accompanied by a cacophony of leaks, rumours and alarm bells. This one is sneaking up on us more stealthily. It’s one reason why the level of anxiety is slightly lower – with 63% of people concerned that possible tax rises in the Budget could affect them, down from 67% ahead of...

    9 min read
    Author
    Exterior of Downing Street
  • 25 September 2026

    The big trends as ISA market approaches £1 trillion mark

    The most recent data shows rampant enthusiasm for ISAs. The figures for the 2024/25 tax year show money paid into Cash ISAs had soared by an impressive 37.5%, particularly notable given the previous year had seen such a bumper season for tax-free savings. Meanwhile, the amount poured into stocks and shares was also up an eyewatering 19.6%. The ISA...

    5 min read
    Author
    People crossing the road
  • 23 September 2026

    Why women tend to hold fewer investments than men until older age

    Throughout the vast majority of their lives, women are less likely to be ISA investors than men. They pay into far fewer Stocks and shares ISAs, so fewer of them have got to grips with investment and developed hands-on experience by gradually building a portfolio. Then, suddenly, later in life there’s a decent chance they’ll become investors...

    4 min read
    Lady looking confused