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Billy Todd
IFA Administrator
Billy joined Lumin in July 2025 as part of the administration team. He is currently studying for a BSc in Banking and Finance at the University of Leeds and will be with Lumin for 12 months as part of his industrial placement.
Qualifications
Expertise
Insights by Billy Todd
Turn the new tax year into significantly extra income
A new tax year is not just a date on the calendar – it is an optimal chance to earn, save and protect more of your money. Cut your 2026/27 tax bill with these core financial planning considerations.
Beyond ESG or green labels: The opportunities, limitations and trade-offs
There are widespread claims that ESG investing positively impacts the climate and society – as well as delivers better returns compared with traditional approaches. But do these claims hold up under scrutiny? Professor Alex Edmans reveals where the reality diverges from the rhetoric.
