TM Financial Planning Ltd

TM Financial Planning Ltd TM Financial Planning has over 30 years experience in financial services.

Estate planning isn't just about money. It's about making life easier for the people you love.Many families never discus...
02/09/2026

Estate planning isn't just about money. It's about making life easier for the people you love.
Many families never discuss things like:
• Who knows where important documents are?
• What your wishes are?
• Whether everything is up to date.
These conversations can feel uncomfortable….
But avoiding them doesn't make them any easier later.
Here's a challenge this week:
Have one honest conversation with someone you care about.
It could be one of the most valuable conversations you ever have.
Have you ever had this conversation with your family?
Call us on: 02890 290 187
Email us: tony@tmfinancial-planning


The Financial Conduct Authority does not regulate Inheritance Tax Planning and Estate Planning.
Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

Many people avoid investing because they're worried about losing money or making the wrong decision.One of the simplest ...
31/08/2026

Many people avoid investing because they're worried about losing money or making the wrong decision.
One of the simplest ways to help manage investment risk is through diversification - spreading your money across different types of investments rather than relying on just one.
Markets naturally go up and down, and while diversification can't remove risk completely, it can help reduce the impact of market fluctuations and keep you focused on your long-term goals. Every investment carries risk and the values can go up as well as down.
Click to find out why diversification is one of the key principles of investing...https://www.quilter.com/news-and-views/all-articles/understanding-risk-and-diversification/
Call: 02890 290 187
Email us: [email protected]


Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

It's a lifestyle.Imagine waking up tomorrow and not having to work.What would your day actually look like?> Coffee in th...
26/08/2026

It's a lifestyle.
Imagine waking up tomorrow and not having to work.
What would your day actually look like?
> Coffee in the garden?
> Travelling?
> More time with family?
> A new hobby?
Most people know what they want retirement to look like. Far fewer know what it'll cost.
Planning isn't just about having enough money. It's about having enough freedom.

Finish this sentence..
When I retire, the first thing I want to do is...
We'd love to read your answers.

And if retirement is getting closer, we're here whenever you're ready to talk through your options.

Call us on: 02890 290 187
Email us: [email protected]




Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

It's making no decision at all.Life gets busy.> Work.> Family.> Bills> School runs.And before you know it, ten years hav...
24/08/2026

It's making no decision at all.
Life gets busy.
> Work.
> Family.
> Bills
> School runs.
And before you know it, ten years have passed without checking your pension.
Ask yourself these four questions:
> Do I know where my pension is?
> Do I know what it's invested in?
> Do I know what charges I'm paying?
> Do I know whether it still suits mv plans?
If you answered "No" to any of those.
It might be time for a review.
No pressure.
No obligation.
Just clarity.
What's the one financial task you've been putting off?
Sometimes saying it out loud is the first step.
Please remember that pension decisions aren't right for everyone and advice should always be based on your individual circumstances as investing can help your money grow over time, but the value of investments can go down as well as up.
Call us on: 02890 290 187
Email us: [email protected]


Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

What's stopping you from investing?For many people, it's one simple thing..The fear of losing money.While investing does...
19/08/2026

What's stopping you from investing?
For many people, it's one simple thing..
The fear of losing money.

While investing does involve risk, many people overestimate what that risk actually means.

Investment values can rise and fall, but short-term market movements don't automatically mean you'll lose everything. Every investment carries risk and the values can go up as well as down.

The key is understanding the difference between normal market fluctuations and long-term investing.

Risk isn't something you can remove completely-it's something that can be managed with the right strategy.

Click to keep reading... https://www.quilter.com/news-and-views/all-articles/worried-youll-lose-money-investing-a-calmer-way-to-think-about-risk/

Have you ever avoided investing because it felt too risky? Let us know in the comments.

Call us on: 02890 290 187
Email us: [email protected]



Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

Many people have pensions they've collected over the years.One from an old employer.One from another job.One they comple...
16/08/2026

Many people have pensions they've collected over the years.

One from an old employer.
One from another job.
One they completely forgot about.

But here's the question..
When was the last time you looked at them?
Your circumstances change.
The markets change.
Your retirement goals change.
Yet many pensions sit untouched for years.

That doesn't automatically mean you should switch them-but it does mean it's worth understanding what you have, what you're paying in charges, how they're invested and whether they still suit your goals.

Sometimes leaving things exactly as they are is the right decision.

Sometimes it isn't. As Investing can help your money grow over time, but the value of investments can go down as well as up.

Knowing the difference could make a real impact on your future.

Tell us honestly..
How many pensions do you think you have?
A - One
B- Two
C- Three or more
D- No idea!
(You're definitely not alone if you answered D!)

If you'd like to understand your pension options, we're always happy to have a conversation.

Call us on: 02890 290 187
Email us: [email protected]



Approver Quilter Financial Services Limited & Quilter Financial Limited August 2026

12/08/2026

Could your family face an Inheritance Tax bill you weren’t expecting?

Inheritance Tax isn’t just a concern for the very wealthy. Rising asset values and frozen thresholds mean more families are starting to ask whether their estate could be affected.

The earlier you understand your position, the more options you may have.

Good planning is about making informed decisions today to help protect the people and causes that matter most.

If you’re unsure where you stand give us a call.

Call us on: 02890 290 187

Email us: [email protected]



The Financial Conduct Authority does not regulate Inheritance Tax Planning and Estate Planning.

Approver Quilter Financial Services Limited & Quilter Financial Limited July 2026

Political changes and economic headlines can often create uncertainty for investors - but it's important to remember tha...
11/08/2026

Political changes and economic headlines can often create uncertainty for investors - but it's important to remember that markets don't always react dramatically to every event.

Recent UK political developments have attracted attention, but the immediate impact on investment markets has been relatively measured.

The bigger picture for investors is often less about one individual event and more about the longer-term factors that influence markets, such as:
> Economic growth
> Inflation and interest rates
> Government finances
> Global market conditions
> Business performance

Short-term market movements are normal, and periods of uncertainty are part of investing.

Rather than reacting to every headline, a well-constructed investment plan focuses on your long-term goals and ensures your portfolio is positioned for a range of possible outcomes.

At TM Financial Planning Ltd, we believe successful investing is about preparation, diversification and having a strategy you can stick with - whatever the headlines bring.

If you're unsure whether your investments are still aligned with your goals, we're here to help.

Call: 02890 290 187
Email us: [email protected]




The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Approver Quilter Financial Services Limited & Quilter Financial Limited Julv 2026

Life rarely stays the same.Changes in your career, family, income, property or future plans can all affect whether your ...
06/08/2026

Life rarely stays the same.

Changes in your career, family, income, property or future plans can all affect whether your financial arrangements are still right for you.

A regular review can help you look at:
> Pensions
> Investments
> Protection and estate planning
> Long-term goals

Sometimes reassurance is valuable. Sometimes small changes can make a big difference.

Your financial plan should evolve as your life does.

Call us on: 02890 290 187
Email us: [email protected]



The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
The Financial Conduct Authority does not regulate Inheritance Tax Planning and Estate Planning.
Approver Quilter Financial Services Limited & Quilter Financial Limited July 2026

Over recent years, many investors have moved towards passive investing and index trackers - attracted by lower costs and...
04/08/2026

Over recent years, many investors have moved towards passive investing and index trackers - attracted by lower costs and strong recent performance and it's easy to see why.

When markets are rising, particularly in areas like US technology, passive funds can look like the obvious choice.

But one thing is important to remember:
Passive doesn't always mean lower risk.
Many popular indices have become increasingly concentrated, with a small number of very large companies making up a significant part of the overall market.

This means some investors may believe they are buying a widely diversified portfolio, when in reality they may have a much larger exposure to a smaller group of companies or sectors than they realise.

Active and passive investing both have a place - but the key is understanding:
> What you own
> What risks you are taking> How diversified your investments really are
> Whether your strategy matches your long-term goals

At TM FINANCIAL PLANNING LTD, we believe successful investing is about building portfolios that are prepared for different market environments - because nobody knows exactly what the future holds.

A strong investment plan isn't about chasing what has performed best recently. It's about having a strategy you can stick with through different market conditions.

If you'd like to review whether your investments are still aligned with your goals, get in touch.

Call us on: 02890 290 187
Email us: [email protected]



Approver Quilter Financial Services Limited & Quilter Financial Limited July 2026

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