TM Financial Planning Ltd

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

Here's what too many UK adults overlook:> Pension and investment beneficiary nominations> How estates interact with Inhe...
01/06/2026

Here's what too many UK adults overlook:
> Pension and investment beneficiary nominations
> How estates interact with Inheritance Tax
> Who truly steps in if you become incapacitated

Small oversight = major stress for loved ones.

Example:
Alex's family thought his pension would pass tax-efficiently. Because nominations weren't updated, the estate became tied in delays - at best costing time and, at worst, money.

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


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

The example used is fictional and for illustrative purposes only.

Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026.

It's not about how much you have, it's about how well you plan for your life after work.Here's what high-confidence plan...
28/05/2026

It's not about how much you have, it's about how well you plan for your life after work.

Here's what high-confidence planners do:
> Set goals (travel? family? part-time work?)
> Understand true income sources (State pension, private pensions, savings)
> Stress-test their plan for inflation & longevity

Example:
Dean & Priya, both 57
• Want to retire at 66
• Want travel + grandchildren support
• Result: A plan that funds all that AND keeps a safety buffer

You deserve a retirement you look forward to - not one that stresses you.

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 example used is fictional and for illustrative purposes only.

Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026.

Whether you plan to leave money to loved ones or support them now, where your pension sits can affectwhat happens later....
26/05/2026

Whether you plan to leave money to loved ones or support them now, where your pension sits can affect
what happens later.

! Some pensions don't let you:
• Change beneficiaries easily
• Keep death benefits tax-efficient
• Pass on growth without heavy tax drag

Small fix? Correct nomination and structure.

Big outcome? Loved ones get more, faster, and tax-efficiently.

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 example used is fictional and for illustrative purposes only.

Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026

You might be paying multiple pensions hundreds in fees every year - even while your retirement pot isn't growing as fast...
20/05/2026

You might be paying multiple pensions hundreds in fees every year - even while your retirement pot isn't growing as fast as it could.

Here's the truth many advisers don't realise:
• Old pensions may be defaulted into low-growth options
• You might be paying 4x+ in fees compared with newer plans
• Switching doesn't have to be daunting - but the right plan matters

Example:
Sarah, 49, had three pensions totalling £110k. After a review:
> Consolidated into one with better growth projections
> Reduced annual fees by £600
> Now has a clear 10-year growth path

Not switching might cost you a lifestyle - not just a number.

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 example used is fictional and for illustrative purposes only.

Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026

Many assume their state pension is enough - but did you know some households underestimate how long retirement lasts?Ave...
18/05/2026

Many assume their state pension is enough - but did you know some households underestimate how long retirement lasts?

Average UK life expectancy post-65 is nearly 20+ years for many.

Mis-estimating longevity can lead to:
> Running out of retirement income early
> Under budgeting for health costs
> Stress selling assets in downturns

A thoughtful, tested plan anchors your income for the long haul.

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



Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026.

Consider Mark & Lucy:• Mark maxes pension contributions for tax relief• Lucy maxes ISAs for flexibilityBoth want retirem...
14/05/2026

Consider Mark & Lucy:

• Mark maxes pension contributions for tax relief
• Lucy maxes ISAs for flexibility

Both want retirement income - but their tools serve different purposes:

> Pension = tax relief today, tax-efficient growth
> ISAs = fully tax-free withdrawals later

Smart investors use both, blended for their goals, not just one or the other.

Want a tailored ISA + Pension strategy?

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


The example used is fictional and for illustrative purposes only.

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 February 2026

13/05/2026

Leaving money sitting in cash savings can mean its value slowly erodes over time due to inflation.
Investing is one way people aim to grow their money over the long term, but understanding risk and tax allowances is key before starting.

Call us on: 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 March 2026

Common pitfalls we see:• No clear beneficiary nominations• Pension not aligned with estate goals• Overlooking inheritan...
11/05/2026

Common pitfalls we see:
• No clear beneficiary nominations
• Pension not aligned with estate goals
• Overlooking inheritance tax planning

Real-world tip: A properly aligned pension death nomination can save heirs unnecessary tax and legal wrangles especially with upcoming changes around pensions and IHT.

Want one quick estate health check?

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 February 2026

People are retiring with plans for 15-20 years of income - but many Brits could live 25+ years afterwork ends. Consideri...
07/05/2026

People are retiring with plans for 15-20 years of income - but many Brits could live 25+ years after
work ends. Considering longer life expectancy is not pessimism - it's realism.

That means:
• Your money needs to last longer
• Healthcare costs often rise with age
• Market volatility can hit early withdrawals hardest

Small shift in planning now = BIG difference in retirement lifestyle later.

Want a personalised projection?

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 example used is fictional and for illustrative purposes only.

Approver Quilter Financial Services Limited & Quilter Financial Limited February 2026

New investor sentiment in the UK shows 62% of investors with significant assets are planning to increase their portfolio...
05/05/2026

New investor sentiment in the UK shows 62% of investors with significant assets are planning to increase their portfolios in 2026 - even with market uncertainty.

This isn't reckless optimism - it's strategic confidence in time-tested principles: diversification, rebalancing and long term focus.

If you're sceptical:
• Markets fluctuate - but time in the market matters
• Regular investing smooths volatility
• Having a plan beats reacting to headlines

Want help building or reviewing YOUR investment strategy?

Call us on: 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 February 2026

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