Prydderch Financial Planning Limited

27/08/2026

Meet the Prydderch Financial Planning frog!

I get asked about the frog all the time from clients “what’s with the giant frog in front of your office?” so it’s time I gave you all some answers.

I confess, this is the result of a charity auction, lock-down boredom and alcohol and has become something of a mascot for PFP. The ultimate winner of course was the chosen charity that year being St Anne’s Hospice (now Moya Cole Hospice).

The Tudor Frog, and its froglet companion, were part of Stockport’s Gigantic Leap Frog Art Trial in 2021, and was originally positioned at Bramall Hall. A few local businesses helped to sponsor the frog at the time, however, I felt it deserved a permanent placement within the Village and was lucky enough have the perfect setting within the office grounds.

You’ll see frogs just like it dotted around all over Stockport, all designed by local artists and many sponsored by local businesses, like PFP.

If you’re ever in the area or stopping by for a meeting, don’t forget to say hi to the frog! I regularly see grandparents being dragged to meet the frog when they’re on childcare duties which is a lovely sight.

Here's a picture of our famous frog, alongside our other company mascot, my dog.

26/06/2026

This is your Public Service Announcement that you should be using your business to pay for your family protecion.

Now, this won’t work for everyone, BUT lots of you are wasting money by paying for family protection insurance out of your taxable income, when you COULD be paying for it through your business.

By making protection a business expense, you’re not paying income tax on those monthly premiums. In fact, they’re now a tax-deductible business expense!

If you meet the qualifying criteria, this can work for:
• Life Assurance
• Critical Illness
• Income Protection
• Private Medical Insurance

That’s in addition to other, more obvious business insurance policies, like Key Person and Professional Indemnity.

If you’ve only ever viewed your business planning and personal planning as two separate entities, let me be the first to tell you…

There’s a better way to do things!

If you want to find out more about combining business and personal financial planning, saving money on your taxes, or protection insurance, drop me a message or use the link below to book a no-obligation discovery call:
https://www.pfp-limited.co.uk/contact

Tax treatment depends on individual circumstances and may be subject to change. Taxation planning is not regulated by the Financial Conduct Authority. This post is for information only and does not constitute financial advice.
Prydderch Financial Planning Limited is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority and is entered on the FCA register under reference 610434.

Meet us, call us, email us or make an enquiry with Prydderch Financial Planning in Bramhall, Stockport, Cheshire.

18/06/2026

Are you missing a trick that’s costing you thousands of pounds?

If you’re running a business, you NEED to hear this…

Corporation Tax is a sore spot for a lot of us. It feels like a penalty for doing well, BUT there are ways to reduce it that are simple, tax-efficient, and (most importantly) completely legal.

I’m talking about pension contributions, of course!

When you deposit money into a pension directly from your business, you get:
- A tax-deductible business expense
- A reduced Corporation Tax bill
- More money towards your retirement
- Tax-efficient long-term savings

Naturally, there are some rules you need to be aware of:
- Contributions must meet the “wholly and exclusively for the business” rules
- There’s an annual pension limit of £60,000 per person
- You can carry over your £60k allowance up to 3 years, but there are other criteria and rules that you need to check first

If you’re looking for a way to lower your tax bill and build up your savings, this could be a great place to start – provided you get formal advice BEFORE you start.

Want to learn more? Drop me a message or use the link below to book a no-obligation discovery call:
https://www.pfp-limited.co.uk/contact

With pensions, as with all investments, your capital is at risk and the value of your pension may go up or down. You may get back less than you put in. Tax treatment depends on individual circumstances and may be subject to change. This post is for information only and does not constitute financial advice.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Estate planning and taxation planning are not regulated by the Financial Conduct Authority.
Prydderch Financial Planning Limited is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority and is entered on the FCA register under reference 610434.

Meet us, call us, email us or make an enquiry with Prydderch Financial Planning in Bramhall, Stockport, Cheshire.

11/06/2026

As of April this year, Agricultural Property Relief (APR) is now capped at £1million, and farmers will face an IHT charge of 20% on any farmland or related buildings above that cap.

If you’re wondering how this affects you, then it probably doesn’t…
BUT the IHT rule that will catch you out is coming in April 2027, so you’ve still time to prepare for what’s to come!

As of April 2027, pensions will be included in your estate AND subject to IHT.

This is a real gut-punch to the thousands of families who have been diligently investing in their pensions with the goal of removing money from their taxable estate. Dismantling years and even decades of good financial planning.

Here’s what you need to know:
- The Nil Rate Band (IHT threshold) is currently £325,000 per person.
- There’s also an additional £175,000 MRNRB (Main Residence Nil Rate Band) per person on your property, meaning a couple could have a total IHT allowance of up to £1million.
- In 2027, pensions will be included in your taxable estate and count towards your IHT allowance.
- The UK Government expects this to bring an additional c.10,500 estates above the threshold, and increase the existing IHT liability for c.38,500 estates.
- The IHT threshold is frozen until 2030, so with inflation, rising house values, and now pensions in the mix, more families every year are at risk of paying the 40% tax out of pocket!
What you can do about it:
- Check in with your parents – this rule will affect them a lot more (and sooner) than it’ll affect you. Make sure they’re aware of the new rules and find out how much their estate is worth.
- If it’s over £500,000 for either parent – INCLUDING THEIR PENSIONS – then encourage them to speak to a financial adviser you trust.
- You need to start seriously considering what your parents might be leaving you. What could have been a lovely inheritance could very quickly turn into a massive IHT bill you weren’t prepared for.
- Finally, start thinking about your own estate planning. It might be a long way off, but the earlier you start to plan, the easier it’ll be.

If you want to learn more about your estate planning and how to protect your family from unexpected IHT bills, drop me a message or use the link below to book a no-obligation discovery call:
https://www.pfp-limited.co.uk/contact

With pensions, as with all investments, your capital is at risk and the value of your pension may go up or down. You may get back less than you put in. Tax treatment depends on individual circumstances and may be subject to change. This post is for information only and does not constitute financial advice.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. The Financial Conduct Authority does not regulate Estate planning and tax planning.
Prydderch Financial Planning Limited is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority and is entered on the FCA register under reference 610434.

Meet us, call us, email us or make an enquiry with Prydderch Financial Planning in Bramhall, Stockport, Cheshire.

21/06/2024

Doing my bit for the bees & insects of Bramhall - gardens looking well (pretty weeds too👍)

20/06/2024

Anyone looking to make a difference please see here…

Weʼre raising money to support the Charities of Ward 86 Oncology at the Royal Manchester Children's Hospital, in recognition of the care given to our son Oliver.. Support this JustGiving Crowdfunding Page.

06/06/2024

20/05/2024

Fantastic day yesterday at Bramhall Park at the local Rotary Annual Duck Race. Was proud as always to sponsor the 2pm ‘Prydduck Paddle’ and help the Rotary Club raise valuable funds for nearby charities. Congratulations to all who took part in all of the races - the performance of Mr Prydduck is best left unspoken🥲 Was also great to introduce a new household duck to the fun and games from Cake Creations by Rebecca - seems the pre-race briefing had no positive effect on either🤪