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Monday 9:30am - 5:30pm Tuesday 9:30am - 5:30pm Wednesday 9:30am - 5:30pm Thursday 9:30am - 5:30pm Friday 9:30am - 5:30pm

The Orchard Practice

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The Orchard Practice

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At The Orchard Practice, we look after you as well as your finances. We work with people of all ages and at all stages in their financial planning journey.

🏆 Award-winning Financial Planners since 1997
Family-run practice helping families grow wealth & retire confidently
📍 Hertfordshire | UK-wide service
📧 [email protected] We treat all of our clients as we would want to be treated ourselves - which is why most of our client relationships develop into friendships. Whether in your 20s or 80s, we will help you determine what you have now, where you want to be in the future, and how you are going to get there.

02/11/2026

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

30/10/2026

Would you let AI write your will?

A survey reported by Today's Wills & Probate suggested a growing number of people would rely on technology to write or update their will.

While using AI to write your will might seem like a simple solution at first, it could create long-term issues for your estate.

To discover the dangers of relying on AI to write your will, read our latest blog, linked below.

https://topfs.co.uk/the-dangers-of-using-ai-to-write-your-will/

28/10/2026

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

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

23/10/2026

Are you financially supporting your adult children?

Stagnant wages, the rising cost of living, and difficulties getting on the property ladder mean younger generations are finding it difficult to achieve financial security.

Updating your financial plan could help you understand the impact supporting your loved ones has on your finances now, as well as in the future.

Read our blog, linked below, to learn more.

https://topfs.co.uk/are-you-supporting-adult-children-heres-why-it-should-be-part-of-your-financial-plan/

21/10/2026

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

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

16/10/2026

In just a few years, AI has transformed how we approach tasks both at work and in our personal lives.

While using AI could save you valuable time in some areas, it could pose risks in others, including when you’re writing or updating your will.

To discover some of the risks you could expose your estate to by relying on AI for writing your will, click the link below.

https://topfs.co.uk/the-dangers-of-using-ai-to-write-your-will/

14/10/2026

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

12/10/2026

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

Address

2 Penta Court, Station Road
Borehamwood
WD61SL

Opening Hours

Monday	9:30am - 5:30pm
Tuesday	9:30am - 5:30pm
Wednesday	9:30am - 5:30pm
Thursday	9:30am - 5:30pm
Friday	9:30am - 5:30pm

Telephone

+442089538687

Website

https://www.topfs.co.uk/

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