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CMS Wealth Ltd

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CMS Wealth Ltd

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We provide quality financial advice by creating personalised solutions to meet our clients' needs

02/11/2026

4 ways a financial plan could help balance multiple goals:

1. A financial plan identifies your goals
2. A financial plan could model different scenarios
3. The data from a cashflow model could help you understand trade-offs
4. A financial planner could adjust your plan as your goals change

Read our blog, linked below, to learn more.

https://cmswealth.co.uk/balancing-your-goals-how-a-financial-plan-could-help-you-juggle-different-priorities/

30/10/2026

After years of diligently saving into a Junior ISA (JISA) for your child, handing them control of the account might feel daunting.

Will they appreciate your efforts and continue growing this fund to pay for something meaningful, such as university or their first home? Or might they splurge it all on something frivolous like extravagant holidays and clothes?

Taking the time to prepare your child for this responsibility could help them make informed decisions about managing their savings and investments.

Read our latest blog, linked below, to learn more about how JISAs work, and discover 4 practical steps to take before your child accesses the account to help them make the most of their money.

https://cmswealth.co.uk/4-steps-to-take-before-your-child-can-access-their-jisa/

28/10/2026

5 ways you might reduce a Capital Gains Tax bill:

1. Use your Annual Exempt Amount
2. Pass assets to your spouse or civil partner
3. Offset allowable losses
4. Deduct your costs
5. Move assets into tax-efficient wrappers

Read our blog, linked below, to find out more.

https://cmswealth.co.uk/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

26/10/2026

£1.28 billion was lost to fraud in 2025, according to UK Finance.

Falling victim to a scam could harm your financial security, but the long-term effects often go beyond your bank account.

Some victims may find the fraud has an emotional impact, such as affecting their confidence or ability to trust people.

To find out more about 5 of the most common scams and how you can protect yourself, click the link below.

https://cmswealth.co.uk/5-common-scams-you-need-to-be-aware-of/

23/10/2026

Brits are more risk-averse when considering investing than other nations.

According to Manchester Metropolitan University, excluding workplace pensions, only 23% of people in the UK invest in the stock market, compared with nearly two-thirds in the US.

To discover some of the reasons why cash might feel safer and the potential impact of overlooking investing, read our latest blog, linked below.

https://cmswealth.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

21/10/2026

How many financial goals do you want to achieve?

A common challenge people face is balancing your competing goals and understanding how to use your assets to work towards them.

Luckily, a financial plan can help. Read our blog, linked below, to discover how we can help you juggle different priorities.

https://cmswealth.co.uk/balancing-your-goals-how-a-financial-plan-could-help-you-juggle-different-priorities/

19/10/2026

4 steps to take before your child can access their JISA:

1. Talk to them about the goals you had when setting it up
2. Listen to how they might want to use the money - and plan together
3. Consider a gradual approach to handing over control
4. Demonstrate the value of leaving their JISA untouched

Read our blog, linked below, to learn more.

https://cmswealth.co.uk/4-steps-to-take-before-your-child-can-access-their-jisa/

16/10/2026

Could Capital Gains Tax take more of your wealth than you expect?

According to the Office for Budget Responsibility, HMRC is forecast to collect £29.8 billion in Capital Gains Tax by 2030/31, more than double the £13.7 billion collected in 2024/25.

With the Annual Exempt Amount now just £3,000 and tax rates higher than they were a few years ago, more people could find themselves with a bill when disposing of investments, property, or other assets.

Read our latest blog, linked below, to discover 5 ways you might reduce a future Capital Gains Tax liability.

https://cmswealth.co.uk/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

14/10/2026

5 common scams you need to be aware of:

1. Phishing and smishing
2. Investment scams
3. Pension scams
4. Romance fraud
5. Vishing

Read our blog, linked below, to find out more.

https://cmswealth.co.uk/5-common-scams-you-need-to-be-aware-of/

12/10/2026

3 psychological reasons you might prefer cash to investments:

1. Market movements can make investing feel uncertain
2. The fear of losing money could mean you favour cash
3. Cash is tangible, which may make it feel safer

Read our blog, linked below, to learn more about why cash might feel safer, and the potential impact of overlooking investing.

https://cmswealth.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

Address

Bicester
OX173AY

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8am - 5:30pm

Telephone

+441869345588

Website

http://www.cmswealth.co.uk/

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