Truth Financial Ltd

Truth Financial Ltd I'm Ruth, I’m here to break the mould of financial advice, making it more approachable, less intimidating, and completely focused on you.

No jargon, no judgment just clear, friendly guidance to help you feel confident about your money and your future.

Could you increase your pension by 1%? Many of us set our pension when we start our job and never look again...But a sma...
03/09/2026

Could you increase your pension by 1%? Many of us set our pension when we start our job and never look again...

But a small change today can have a bigger impact tomorrow.

For many people, increasing pension contributions by even a small amount can make a difference over the long term.

If you've had a pay rise, changed jobs, or your circumstances have improved, it might be worth asking yourself:

"Am I still contributing enough for the future I want?"

Some pensions also have high fees, so what if you could also save 1% on those fees over time?

Please get in touch if you would like a review.

📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). As a reminder Independent advice (the ‘I’ in IFA) means I am not restricted to any one provider or product range and can recommend solutions from across the whole of market based solely on what is most suitable for you.



A pension is a long-term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Approved by 2plan wealth management Ltd on 28/07/2026

Be your own hero.Do something your future self will thank you for.We often spend so much time looking after everyone els...
02/09/2026

Be your own hero.

Do something your future self will thank you for.

We often spend so much time looking after everyone else that we forget to look after ourselves.

The truth is, being your own hero doesn't mean having all the answers. It means taking that first step.

Booking the appointment.

Starting the conversation.

Reviewing what you have.

Putting a plan in place.

The biggest act of self care isn't always a spa day or a holiday. Sometimes it's making a decision today that your future self will thank you for.

You don't have to do everything at once.

Just start and I am here to help.

📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). As a reminder, independent advice (the "I" in IFA) means I am not restricted to any one provider or product range and can recommend solutions from across the whole market based solely on what is most suitable for you.



Approved by 2plan wealth management Ltd on 28/07/2026

31/08/2026

This Monday, take a minute to review your direct debits.

When was the last time you checked what leaves your account every month?

Subscriptions, memberships and services can easily build up over time.

Just recently I opened a letter to tell me a charitable donation I had was being increased by over 35% if I did nothing. If you missed this letter, would you have noticed in your bills?

A quick review of your account could uncover payments for things you no longer use, giving you the opportunity to redirect that money towards something more valuable.

One of the things we complete during our meetings is a financial questionnaire helping you to work out what your outgoings are. It really is a fantastic exercise that can save you money.

I’m here to help.

👉 https://truthfinancial.co.uk/
📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). Being independent means having access to the whole of the market, allowing recommendations to be based solely on what is most suitable for my client’s needs and objectives.


Approved by 2plan wealth management Ltd on 28/07/2026

☕ Friday reminder...Your future self is relying on the decisions you make today.Small steps now can create bigger opport...
28/08/2026

☕ Friday reminder...

Your future self is relying on the decisions you make today.

Small steps now can create bigger opportunities later.

Whether it's reviewing your pension, building savings, protecting your family, or simply getting a clearer picture of where you stand - every positive step counts.

Your future self will thank you. 😊

The biggest benefit of financial advice isn’t a spreadsheet. It’s peace of mind.Imagine waking up one morning and feelin...
27/08/2026

The biggest benefit of financial advice isn’t a spreadsheet. It’s peace of mind.

Imagine waking up one morning and feeling completely confident that your financial life is in place.

That feeling is often what people are really looking for.

Recently, I worked with a client who came to us feeling overwhelmed. They had pensions in different places, questions about their future, and no clear picture of whether they were on track.

The biggest change wasn’t just the numbers.

It was the confidence that came from having someone independent look at the whole picture, explain the options, and create a plan built around *their* life.

That’s the difference an independent financial adviser can make.

Send me a message to see where to start.

👉 https://truthfinancial.co.uk/
📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). Being independent means having access to the whole of the market, allowing recommendations to be based solely on what is most suitable for my client’s needs and objectives.



A pension is a long-term investment and the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Approved by 2plan wealth management Ltd on 28/07/2026

26/08/2026

A day in the life of… me!

⏰ 4:45am – Coffee in hand, catching up on emails from the day before and making sure nothing urgent is waiting for my clients.

5:30am - Leave the house booted and suited to start the day.

🤝 6:00am – Networking breakfast. Building relationships, learning from other business owners and looking for ways to add even more value to the people I work with.

🏙️ Manchester city centre – Time to join an advisory board. I love being surrounded by people who challenge ideas, share knowledge and help each other grow.

🏡 Back home for a late lunch – Straight into client meetings. Start off with online meetings moving to local in person.

📋 In between, meetings with my compliance team to discuss industry changes and best practices. It might not be the glamorous side of financial advice, but it’s one of the most important. Making sure every recommendation is robust, compliant and genuinely in my clients’ best interests is something I never compromise on.

🌙 10:00pm – The laptop finally closes.

Everyday I meet incredible people, make new connections and strengthen the service I offer my clients, and hopefully help a number of businesses along the way too.

What I do is about people, relationships, continuous learning and constantly looking for ways to be even better.

I wouldn’t have it any other way.


Here's a little reminder for you this Monday morning - Check your beneficiaries!This is who you want to leave you money ...
24/08/2026

Here's a little reminder for you this Monday morning - Check your beneficiaries!

This is who you want to leave you money to should anything happen.

This is a small task that could make a big difference.

When was the last time you checked who is named on your policies?

Life changes - relationships, family circumstances and priorities can all move on over time.

Taking a few minutes to review your beneficiaries helps make sure your wishes are still reflected.

A simple check today could help avoid confusion in the future.

📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). As a reminder Independent advice (the ‘I’ in IFA) means I am not restricted to any one provider or product range and can recommend solutions from across the whole of market based solely on what is most suitable for you.



Approved by 2plan wealth management Ltd on 28/07/2026

21/08/2026

💡 Ruth’s Top Tip

When your insurance renewal lands on the doormat… don’t just pay it.

Every year, around 2 to 3 weeks before my renewal is due, I spend 10 minutes comparing prices online and then give my insurer a call.

This week I did exactly that with my home insurance.

Using a comparison site, I found a cheaper quote and asked if they could match it.

The result? They reduced my premium by 8% by applying a loyalty discount.

Ten minutes on the phone. Money saved. ✅

They also offered to quote for my car insurance while I was on the call. After another 20 minutes, their quote came back at almost double what I can get elsewhere, so I politely declined and kept my existing cover. Worth a try!

The lesson?

Don’t assume your renewal is the best price available.

Insurance companies often rely on people simply letting policies renew without checking. A quick comparison and one phone call could save you far more than the time it takes.

Sometimes loyalty pays… but only if you ask.

💙 Truth Thursday"Investing is just gambling."This is a myth I hear quite often. And I understand why people feel that wa...
20/08/2026

💙 Truth Thursday

"Investing is just gambling."

This is a myth I hear quite often. And I understand why people feel that way.

The idea of putting your money into something where values can go up and down can feel uncomfortable - especially when you're used to knowing exactly what you have sitting in your bank account.

But investing and gambling are very different things. Gambling is based on chance and usually a short-term outcome.

Investing is about owning assets, understanding risk, taking a long-term view and building a strategy around your goals.

Of course, investing does involve risk - there are no guarantees, and values can fall as well as rise. That's why understanding your goals, timescales and attitude to risk is so important.

The biggest risk for many people isn't always investing...

Sometimes it's never getting started and missing out on the opportunity to grow your money over time. I am here to help.

👉 https://truthfinancial.co.uk/
📞 0161 841 6161
✉️ [email protected]



The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Approved by 2plan wealth management Ltd on 28/07/2026

🥋 Wax on. Wax off. What has this got to do with financial advice?If you've ever watched The Karate Kid, you'll know that...
19/08/2026

🥋 Wax on. Wax off. What has this got to do with financial advice?

If you've ever watched The Karate Kid, you'll know that Mr Miyagi wasn't really teaching Daniel to sand a floor or paint a fence.

He was teaching him discipline.
Consistency.
Patience.

At the time, Daniel couldn't see the point. The small tasks felt repetitive and insignificant.
But when he looked back, those little actions had prepared him for something much bigger.
It got me thinking...

Financial planning is often exactly the same. It's rarely one big decision that changes your future. It's the small decisions you make consistently over time.

✔️ Reviewing your financial plan.
✔️ Increasing your pension contributions.
✔️ Protecting your family.

Individually, none of these feel life changing. Together, they can completely change your future.

Good financial planning isn't about finding a shortcut or making one perfect decision.
It's about building strong habits, making informed choices and having a plan that grows with you as life changes.
Little things.
Big difference.

So here's my question...

What's one small financial task you've been putting off that your future self would thank you for doing today? I’m here to help:

📞 0161 841 6161
✉️ [email protected]

I’m a proud independent financial adviser (IFA). As a reminder, independent advice (the "I" in IFA) means I am not restricted to any one provider or product range and can recommend solutions from across the whole market based solely on what is most suitable for you.



A pension is a long-term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Please note - The Financial Conduct Authority do not regulate Estate Planning

Approved by 2plan wealth management Ltd on 28/07/2026

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1 London Road
Alderley Edge
SK97JU

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Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 5pm

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