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 passing wealth - it's about protecting relationships, choices, and security for the peo...
22/06/2026

Estate planning isn't just about passing wealth - it's about protecting relationships, choices, and security for the people you care about.

Example:
A couple updated their documents years ago but forgot to update beneficiary details on pensions &
investments.

After passing, assets ended up tied in probate because nominations were outdated.

Why? This is one of the most common planning missteps.

We fix it before it becomes someone else's problem.

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

Inflation, living costs and longer lifespans mean your money needs to stretch further.If you're looking at pensions + sa...
18/06/2026

Inflation, living costs and longer lifespans mean your money needs to stretch further.

If you're looking at pensions + savings without factoring longevity risk, you could be underestimating how much you'll need.

Here's a simple start:
1. List all income sources (state, pensions, ISAs, savings)
2. Estimate yearly retirement budget
3. Stress-test for inflation & longevity

This isn't complex - it's practical and personalised.

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

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The value of pensions 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.

You might think "my pension can wait"... but small oversights now can shave years off your retirement lifestyle.If you'v...
16/06/2026

You might think "my pension can wait"... but small oversights now can shave years off your retirement lifestyle.

If you've changed jobs over the years, there's a good chance you've forgotten old pension pots - and some systems charge hidden fees you don't need to be paying,

Here's a quick self-check:
• Do you know how many pensions you have?
• Are you paying fees on each one?
• Is your money invested in a growth-aligned strategy?

Often just consolidating the right way can streamline your planning AND boost projected retirement income.

If you're unsure, let's talk it through - clarity today means confidence tomorrow.

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.

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

15/06/2026

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

Assets in an ISA grow tax-free - but only when you use them smartly.Here's a simple habit:• Maximise your ISA contributi...
11/06/2026

Assets in an ISA grow tax-free - but only when you use them smartly.

Here's a simple habit:
• Maximise your ISA contribution every year
• Blend long-term equities + low-cost funds
• Review once a year - not daily

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

Here's the reality: Timing markets rarely works. Timing habits does.Instead of asking "when?" ask: "What plan lets me in...
09/06/2026

Here's the reality: Timing markets rarely works. Timing habits does.

Instead of asking "when?" ask: "What plan lets me invest regularly and smartly?"

> "Does my portfolio match my timeline?"
> "Am I diversified for risk AND return?"

Example:
Sam & Maria:
• Started small monthly contributions
• Rebalanced yearly
• Grew their portfolio even in volatility

Markets move. Planning wins.

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

Being a parent means planning for both protection and legacy.> Review your circumstances every 3-5 years> Align pensions...
03/06/2026

Being a parent means planning for both protection and legacy.

> Review your circumstances every 3-5 years
> Align pensions with your wishes
> Confirm executors & trustees understand your plan
> Think about guardianship before it's needed

Estate planning isn't just taxes - it's peace of mind.

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

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

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