Naz Financial

A Personal Financial Blog from Naz Miller

Personal Finance Blogs

All you need to know about inheritance tax, investment and pension planning.


Tips for a prosperous retirement.

Investment Income | NazFinancial


Investing for financial security.


Tips for a prosperous retirement.


Planning & concerns.


A personal take on the latest financial news and how it might affect us all.

minimise your tax


How to be efficient about how you pay your taxes.

Naz Miller


Personal Info

Prior to working with St. James’s Place Wealth Management I spent 34 years working at Lloyds Bank locally here in Cambridge and surrounding areas. My work focused on helping clients achieve their long term financial objectives.

I passionately believe in providing easy to understand financial advice to my clients. In these challenging times it is crucially important that every individual has access to good financial advice which helps achieve prosperity and financially secure future. Working with St. James’s Place together with my extensive experience helps me deliver the prosperity I want to achieve with my clients.

My specialist areas are Investment planning, Pension planning and Inheritance tax planning.

As well as loving the work I do I am kept busy with my extensive family and friends. I also like to dedicate some of my time doing work for my community by working as a volunteer at Addenbrooke’s Hospital and the East Anglian Royal Ambulance.

Recent Blog Posts

a selection of the latest NazFinancial news and articles

Financial News

Review of 2023

As we come to the end of another economically tumultuous year, I’d like to take this opportunity to remind you of the personal finance topics I’ve covered in the past 12 months …

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Glossary of Personal Financial Terms

AAA Rating

In short, AAA ratings (‘triple-A‘ ratings) are the highest credit rating available for an investment, such as a bond or company.

AAA ratings are issued to investment-grade debt that has a high level of creditworthiness with the strongest capacity to repay investors.

Similarly, the AA+ rating is issued by S&P (Standard and Poor) and is similar to the Aa1 rating issued by Moody’s. It comes with very low credit risk and indicates the issuer has a strong capacity to repay.