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Truth Financial Ltd

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Alderley Edge
Truth Financial Ltd

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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.

06/11/2026

Before you invest your money, have you got the foundations right? 🏡💷

I think we sometimes spend far too much time worrying about choosing the "right" investment and not enough time looking at the bigger picture.

Because investing isn't just about picking a fund and hoping for the best!

It's about asking yourself some important questions first:

💙 What am I actually saving or investing for?

💙 When might I need access to this money?

💙 Have I got enough savings set aside for life's unexpected surprises?

💙 How comfortable am I with the ups and downs of investing?

💙 Could I afford for my investments to fall in value?

The Financial Conduct Authority (FCA) encourages people to consider these things through its 5 Smart Investment Checks.

And it's exactly why I don't start conversations with clients by talking about investment products.

I start by getting to know YOU.

Your circumstances. Your plans. Your worries. Your hopes for the future.

Because the best investment strategy isn't necessarily the one promising the biggest returns.

It's the one that's appropriate for you, your goals and your circumstances. ❤️

Get the foundations right first. Then we can work out where investing fits into the picture.

That's what financial planning is all about.

📞 0161 841 6161
✉️ [email protected]

Source: FCA, 5 Smart Investment Checks

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 WM - 22.10.2026 until 22.10.2027

05/11/2026

If you enjoy researching investments, understand your pensions, know your tax position and have the time and confidence to manage it yourself… brilliant.
But where I think advice becomes really valuable is when your finances become complicated, the decisions become bigger, or you simply don't want to make a very expensive mistake.

Advice isn't about knowing more than you. It's about looking at the whole picture. This is my full time job and the market changes daily so are you confident you are making the best decisions?

Truth Financial
📞 0161 841 6161
✉️ [email protected]

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. 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.

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 27/10/2026

04/11/2026

No question is a silly question
“I should probably know this already…”

If you've ever thought that before speaking to a financial adviser, you're definitely not alone!

At Truth Financial, we believe there are no silly questions when it comes to your finances.

Pensions can be confusing.

Investments can feel intimidating.

And financial terminology isn't always easy to understand.

That's why we're here.

To have the conversations.

To explain things clearly.

And to help you feel comfortable asking questions.

You don't need to know all the answers before asking for advice.

You just need to know where to start.

💬 Start with a conversation.

Truth Financial
📞 0161 841 6161
✉️ [email protected]

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. 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.

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 08/10/2026

02/11/2026

Your pension isn't just something you pay into and forget about until you're 60-something.
It can be an important part of your wider financial plan - particularly if you're thinking about, retirement, investments and the lifestyle you want later on.

But pensions can also be confusing.

Different types. Different charges. Different investment options. Different rules. And what works for one person might be completely wrong for another.

That's why I don't believe in a “one size fits all” approach.

If you've got a pension sitting in the background that you haven't looked at for years, it might be worth understanding what you've actually got. Does it have protected benefits for example?

And if you want help doing that, that's exactly the sort of conversation I have with clients.

Truth Financial
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 01/09/2026

30/10/2026

🎃 Are you scared of your finances? Do you hide away from them? 👻

You're not alone!

For many people, pensions, investments and financial planning can feel a little bit… spooky. 🕷️💷

Do you find yourself:

👻 Avoiding checking your pension?
🎃 Hiding from your finances and hoping they'll sort themselves out?
🕸️ Putting off reviewing your investments?
💷 Feeling overwhelmed about where to start?

The good news? Your finances don't have to be frightening.

At Truth Financial, I’m here to help you face your financial fears with friendly, professional advice and no confusing jargon.

💬 Don't hide away from your finances - let's face them together.

This Halloween, take the first step towards feeling more confident about your financial future? 🎃💙

📞 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.

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 08/10/2026

29/10/2026

Autumn Budget Key highlights

29/10/2026

Depending on your circumstances, retirement income could also come from:
💷 Savings
📈 Investments
🏡 Property
👩‍💼 Part-time work or business income
👵 The State Pension

THE TRUTH?
Retirement planning isn't just about asking:
“How much is in my pension?”
It's about understanding how your different assets and income sources could work together to support your lifestyle.

Want to start planning? Get in touch with me today.

📞 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.
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 08/10/2026

27/10/2026

One of my hobbies is going to the gym and weight training. I genuinely love it, but if there is one thing it has taught me, it is this:
Results come from consistency, not quick wins.

One workout will not transform your body. It is showing up week after week, even when progress feels slow, that makes the difference.

Investing is very similar.
Compound growth needs time and consistency to do its job. Investing with a “quick win” mentality can lead to poor decisions, chasing performance and taking risks you may not fully understand.
The aim should not be to get rich quickly. It should be to build wealth steadily, patiently and with a plan.

Whether it is the gym or your finances, sometimes the boring bit is actually the magic bit.

Truth Financial
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 01/09/2026

26/10/2026

The financial news can feel particularly noisy around major announcements and with the Autumn Budget coming up, there’s certainly no shortage of speculation.

Headlines can sometimes make us feel as though we need to act immediately, but when it comes to your finances, it's important not to make decisions based on rumours or panic.

A good financial decision should be based on:
✔️ Your personal circumstances
✔️ Your goals
✔️ Your existing financial plan
✔️ Confirmed information

A calm, considered approach is usually better than a reactive one.
I’ll be sharing and addressing the key announcements once the Autumn Budget has been released, helping to break down what the changes could actually mean.

But if you're feeling worried about the Budget or would simply like some reassurance about your own financial situation, I'm always here for a conversation.
💬 If you'd like to arrange a meeting and talk through your finances, get in touch today. Sometimes a little clarity can bring a lot of peace of mind. 💙

📞 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 08/10/2026

Address

1 London Road
Alderley Edge
SK97JU

Opening Hours

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

Website

http://www.truthfinancial.co.uk/

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