Hannah Cowell Financial Services Limited

31/10/2026

📜 Who inherits if there is no Will?

If someone dies without a valid Will, their estate is dealt with under the rules of intestacy.

These rules determine who can inherit and how the estate is distributed, but they may not reflect what the person would have chosen themselves.

For example, an unmarried partner does not automatically inherit under the intestacy rules, which can be particularly important for couples who have not made a Will.

Making a Will allows you to set out who you want to benefit from your estate and can help provide greater certainty for those you leave behind.

Our Wills & Probate team can help you put the right plans in place for the future.

29/10/2026

When did you last check your pension?

Pop over to website as a quick check today can make a huge difference tomorrow.



https://www.hannahcowellfs.co.uk/pension-consolidation-october-2026

19/10/2026

05/10/2026

A great meeting this morning Ivanhoe and Derwent LoveBiz Networking at the Priest House.

Some great discussions around the room.

🎥 30 seconds… to explain who I am and what I do!

Here’s me doing my best to squeeze financial advice, life goals, money, pensions and everything in between into half a minute!

24/09/2026

Worth a read!

21/09/2026

💷 Cashflow modelling – seeing the bigger picture

When I receive a new investment or pension enquiry, I’ll usually ask you to complete a fact-find through my secure portal before we meet.

Why? 🤔

Because it saves time — and means I can spend our first meeting actually talking to you about your plans, rather than filling in forms.
As a thank you, I’m happy to do that initial meeting at my cost.

📊 The information then feeds into my cashflow modelling system, which helps us look at:

🔹 Where you are now
🔹 What you want to achieve
🔹 What your future could look like
🔹 Any potential gaps
🔹 How I can help you plan ahead

And this is why I think having an adviser involved with your investments is about more than simply receiving a valuation once a year.

🔍 It’s about checking the bigger picture.

*Tax rules change.
*Government policy changes.
*Your circumstances change.

For example, from 6 April 2027, most unused pension funds and pension death benefits are due to be brought into the estate for Inheritance Tax purposes.

That could mean some people who haven't previously needed to think about Inheritance Tax may now need to consider it.

⚠️ It doesn't mean everyone with a pension will have an Inheritance Tax bill — but it does mean it's worth understanding how the rules could affect your own plans.

📈 Your investments are only one part of the picture.
The real value comes from understanding how everything fits together — and keeping the plan under review as things change.
Cashflow planning is not regulated by the Financial Conduct Authority.

Approved by 2plan wealth management Ltd on 21/09/2026

28/08/2026

Are you part of a charity or considering gifting some of your estate to charity?

Why leave a gift to charity?

Gifts to qualifying charities are free from Inheritance Tax. So, anything left to charity is taken off the value of the estate before IHT is worked out.

There can also be an extra benefit. If someone leaves 10% or more of their taxable estate to charity, the IHT rate on the rest of the taxable estate can reduce from 40% to 36%.

Why is this important now?

From April 2027, pension pots are due to be included when working out the value of an estate for IHT.

This could mean that some families who have not previously had to think about IHT may now find themselves liable for it, particularly where they have a valuable home, savings and pensions.
The current basic IHT allowance is £325,000 per person.

For married couples and civil partners, unused allowances can usually be passed to the surviving partner. There is also an additional £175,000 allowance where a qualifying home is passed to children or other direct descendants.

This means a couple could potentially have up to £1 million of allowances available, depending on their circumstances.

Why this could be helpful for families

A gift to charity can therefore do two things:
• Support a cause they care about
• Potentially reduce the amount of Inheritance Tax their family has to pay

A charitable gift doesn't necessarily mean the family receives less overall – in some circumstances, it can actually reduce the tax bill as well as providing valuable support to the charity.

Of course, everyone's circumstances are different, so anyone considering this should take appropriate legal or tax advice.

18/08/2026

A lovely surprise from a client today🌺

I absolutely love helping my clients, but never do it for the gifts or big thankyou.

For me, it’s about being there when people need guidance, making things easier to understand, and helping them feel confident about their financial future.

Whether it’s protection, mortgages, investments, pensions, retirement planning or other areas of financial services (big inheritance tax changes post April 27!), I’m passionate about helping people find the right solutions for their individual circumstances.

The flowers are lovely and much appreciated though! Thankyou 🎁😊