Dartington Wealth Management Ltd

08/09/2026

Can your investments reflect what matters to you without losing sight of your financial goals?

Responsible investing is about looking beyond financial performance alone and considering the environmental, social and governance practices behind your investments.

But with terms such as ESG, ethical, sustainable and impact investing often used interchangeably, understanding the differences isn't always straightforward.

Our **Guide to Responsible Investing: Building a portfolio with purpose** explores:

🌱 The different approaches to responsible investing
🔎 How to look beyond fund labels and marketing claims
📊 The relationship between responsible investing, risk and returns
🌍 How investments can reflect your personal priorities
🧭 How responsible investing can fit within your wider financial plan

If you're considering how your money is invested and want to understand the options available, our guide is a useful place to start.

👉 Download the Guide to Responsible Investing: [Insert link]
https://dartingtonwealth.co.uk/wp-content/uploads/2026/07/responsible_investing_singles.pdf

19/08/2026

Passing wealth from one generation to the next is about far more than deciding who receives what. It is an opportunity to think carefully about the future you want to help create for your family and to put plans in place that can protect both your wealth and the people who matter most to you.

Without a clear succession strategy, even well-intentioned plans can lead to unnecessary tax, difficult decisions or uncertainty for future generations. Taking a considered approach can help you retain control over your finances, provide support to loved ones at the right time, and ensure your wealth is ultimately passed on in a way that reflects your priorities.

The guide considers a range of areas that can form part of an effective succession plan, from making lifetime gifts and using trusts to planning for Inheritance Tax and ensuring your wider estate arrangements remain aligned with your wishes. It also explores why succession planning should not be viewed in isolation, but as part of a broader financial plan that takes account of your income, investments, retirement, and future needs.

Professional financial planning can help you explore these considerations. By looking at your circumstances as a whole and modelling how different decisions could affect your finances over time, an adviser can help you explore your options and build a strategy designed around both your needs and those of the generations that follow.

The earlier these conversations begin, the more options you may have available.

Start thinking about your family's financial future today. Read the full A Guide to Family Succession Planning here: https://dartingtonwealth.co.uk/a-guide-to-family-succession-planning/

And speak to a Dartington Wealth adviser about creating a succession strategy that works for you and the generations that follow.

04/08/2026

Take a fresh look at what retirement could mean for you with our Guide to Making Your Retirement Vision a Reality:https://dartingtonwealth.co.uk/wp-content/uploads/2026/07/retirementvision_singles.pdf

This practical publication from Dartington Wealth explores the key decisions that shape a successful retirement, from understanding your pension options and creating a sustainable income to making the most of tax-efficient planning. Whether retirement is just around the corner or still a few years away, the guide helps you prepare with greater clarity and confidence.

Inside, you'll find guidance on turning your retirement savings into an income that supports the lifestyle you want, while navigating topics such as pension drawdown, tax considerations, investment strategies, and long-term financial security. It also highlights the value of reviewing your plans regularly, ensuring your retirement remains aligned with your changing goals and circumstances.

Start planning for the retirement you deserve. Read the full Guide to Making Your Retirement Vision a Reality and speak to a Dartington Wealth adviser about creating a retirement plan tailored to your ambitions

20/07/2026

Life changes, and your financial plans should evolve with it.

In the latest issue of the Dartington Wealth magazine, we explore:

• The potential benefits and important considerations of consolidating pensions
• When life events should prompt a financial review
• How income protection could support you if you cannot work
• Why planning important family conversations can provide clarity for the future

Explore the latest insights and discover how thoughtful planning can help you prepare for every stage of life.

Read the latest issue:https://dartingtonwealth.co.uk/wp-content/uploads/2026/07/esm129_singles.pdf

14/07/2026

Grantchester 3k & 10k Charity Fun Runs!

Once again, we are delighted to be sponsoring this year’s Grantchester Fun Runs, organised by Grantchester Cricket Club. Following the success of last year’s event, we are proud to continue our support for what is widely regarded as one of the most scenic running events in and around Cambridge, helping worthwhile local charities.

Our colleagues, professional connections and clients who wish to take part can register here: https://grantchester-charity-runs.eventrac.co.uk/e/grantchester-charity-runs-12180

Register before 21st July to qualify for an “early bird” rate!

If you would like your own Dartington branded running shirt or running vest, we will be happy to provide you with one free – so there’s no need to buy one when you register.

Just contact us directly via: [email protected] and let us know whether you want a ladies' or gents' shirt or vest, and what size, i.e. small, medium or large, by the end of July.

The event will raise funds for Addenbrookes Charitable Trust (ACT) and Maggie’s Centre Cambridge and is supported by the Cambridge Independent newspaper. All runners will receive a finisher's medal, and there will be post-run refreshments. There is nearby parking available too.

Go for it – it will be a great challenge and a lot of fun!

The 2026 Grantchester Charity 10k & 3k sponsored by Dartington Wealth Management Sunday, September 27th 2026 The volunteer-run 2026 Grantchester Charity Runs will be supporting Maggie’s Centre Cambridge and ACT, the Addenbrooke’s Charitable...

29/06/2026

Protect what matters most with your Essential Guide to Critical Illness.

Our latest publication explores the importance of critical illness cover and the financial challenges that can arise when serious health conditions unexpectedly impact your ability to work and maintain your lifestyle.

While advances in medicine mean more people are surviving major illnesses, the financial consequences can still be significant. The guide explains why having the right protection in place can provide valuable peace of mind for you and your family.

Inside, you'll discover how critical illness cover works, the types of conditions typically covered, and the key factors to consider when selecting the right policy for your circumstances.

The guide also examines the financial impact of long-term recovery, the role of lump-sum payouts in supporting household finances, and how protection planning can help safeguard your family’s future. Along the way, you'll gain practical insights into ensuring your cover remains aligned with changing life stages and financial commitments.

Take a proactive approach to protecting your financial wellbeing today – read the full Essential Guide to Critical Illness here:https://dartingtonwealth.co.uk/wp-content/uploads/2026/05/criticalillness26_singles.pdf

16/06/2026

Guide to Financial Planning for a Longer Retirement

Prepare for a longer future with your Guide to Financial Planning for a Longer Retirement:https://dartingtonwealth.co.uk/wp-content/uploads/2026/05/longerretirement_singles.pdf

Our latest publication explores the realities of modern retirement and the financial challenges that can arise as life expectancy continues to increase. While a longer retirement offers more opportunities to enjoy later life, it also places greater demands on your savings, investments and long-term financial planning. The guide explains why preparing early is essential to maintaining financial security throughout retirement.

Inside, you'll discover the key considerations involved in creating a sustainable retirement income, managing investment risk, and protecting your purchasing power against inflation over time. The guide also examines the role of pensions, tax-efficient savings and broader wealth planning strategies in supporting your lifestyle goals. Along the way, you'll gain practical insights into balancing income needs today with financial resilience for the years ahead.

Start planning for a longer and more financially secure retirement today – read the full Guide to Financial Planning for a Longer Retirement here:https://dartingtonwealth.co.uk/wp-content/uploads/2026/05/longerretirement_singles.pdf

And speak to a Dartington Wealth adviser about building a retirement strategy tailored to your aspirations and long-term needs: https://dartingtonwealth.co.uk/contact/

03/06/2026

Making the most of the new tax year

The new tax year brings a fresh £20,000 tax-free Individual Savings Account (ISA) allowance for each individual, giving couples the potential to invest up to £40,000 tax-free between them, offering a valuable opportunity to shield your investments from capital gains and dividend taxes. With recent cuts to these tax allowances and increases to tax rates, the tax-free status of ISAs is more important than ever.

Start early to give your investments a head start. By contributing at the beginning of the tax year, rather than leaving it until the end, your money has an extra 12 months to benefit from tax-free gains and the potential for growth.

Stay focused during uncertain markets

Macro-economics, market volatility, and global events generally can create uncertainty, tempting investors to delay. However, markets never move in a straight line, and history shows they tend to recover quite quickly and often when we least expect it. Therefore, staying focused on your personal goals is far more important than reacting to short-term volatility.

If you're hesitant about investing a lump sum, regular investments offer a practical alternative. By drip-feeding money into the market each month, you can smooth out volatility, maintain discipline, and remove emotion from your financial decisions, and benefit from the phenomenon known as 'pound-cost averaging' whereby you benefit from the peaks and troughs over the long term.

Progress comes from consistency, not perfection

Consistency, not perfect timing, drives investment returns over the long-term. Making the most of the new tax year isn't just about perfectly timing the markets or having a large amount to invest on day one. It's about taking small, manageable steps tailored to your circumstances. Whether you choose to contribute your maximum allowance early or drip-feed your money in over the year, the key is to be consistent.

Take time to review your strategy, set up regular contributions, and give your money the best chance to grow. By acting early and staying consistent, you can make the most of your ISA allowance and build a strong foundation for your financial future.

Want to make the most of the new tax year?

Please contact us to explore tailored strategies that could work for you and your family, and to structure your finances and secure your future.

Contact us: https://dartingtonwealth.co.uk/contact/

THIS ARTICLE DOES NOT CONSTITUTE TAX, LEGAL OR FINANCIAL ADVICE AND SHOULD NOT BE RELIED UPON AS SUCH. TAX PLANNING IS NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY, DEPENDS ON THE INDIVIDUAL CIRCUMSTANCES OF EACH CLIENT, AND MAY BE SUBJECT TO CHANGE IN THE FUTURE. FOR GUIDANCE, SEEK PROFESSIONAL ADVICE.

20/05/2026

Welcome to the latest issue of our financial magazine. Inside, you’ll find expert insights, timely updates and practical guidance to help you make more confident financial decisions.

Explore the May/June edition below, including key articles on pension tax changes, Inheritance Tax, dividend planning and making the most of the new tax year.

Read the magazine here:https://dartingtonwealth.co.uk/wp-content/uploads/2026/05/esm128_singles.pdf

Featured article: Pensions and Inheritance Tax

From 6 April 2027, a major change in pension taxation is set to reshape wealth-transfer planning in the UK. Unspent pension pots will no longer be treated as if they are outside of one's estate and, therefore, will be subject to Inheritance Tax (IHT) and may be taxed at 40% if your estate exceeds the IHT threshold.

On page 10, we explain how this change challenges traditional strategies and why families should rethink how they draw down their retirement assets. Early planning, including an estate valuation and exploring tax-efficient options, including gifting or trusts, will be essential to protect your legacy.

'Unretiring' is on the rise as financial pressures and inflation erode retirees' spending power. While some people return for personal fulfilment, others cite loneliness or financial necessity. On page 06, we consider why retirement is becoming more flexible, with part-time roles and phased approaches gaining popularity. Proactive financial planning and exploring phased retirement options are essential to secure a comfortable and sustainable future.

Meanwhile, the new tax year offers a new £20,000 tax-free ISA allowance, providing a valuable opportunity to shield your investments from capital gains and dividend taxes. Starting early maximises compounding benefits, giving your money more time to grow. Regular investing can help smooth out market volatility and maintain discipline during uncertain times. ISAs also offer flexibility, with many allowing withdrawals and the opportunity to replace the withdrawal within the annual allowance. Turn to page 12.

Dividend tax rates increased from 6 April 2026, making tax-efficient strategies even more important. The government raised dividend tax rates by another 2%. The ordinary rate rose to 10.75%, and the higher rate to 35.75%, while the additional rate remains at 39.35%. However, you don't pay tax on dividend income within your personal allowance (£12,570 for 2026/27) or your annual dividend allowance of £500. On page 13, we explain the planning options.

A complete list of the articles featured in this issue appears on pages 02 to 03.

Planning for tomorrow, today
Our personalised financial and wealth strategies will help you achieve your life ambitions while safeguarding your family's future. To discuss this further or to learn more, please get in touch with us.

14/05/2026

What I own and where I keep it.

This document is a comprehensive estate planning checklist designed to help individuals record and organise their personal, financial, and legal affairs for their attorneys and/or beneficiaries in case of incapacity or death.

Personal and Partner Information.

It gathers essential details such as names, addresses, dates of birth, national insurance number and tax references, contact information, and details about wills, medical contacts, and special bequests. It also includes information about you and your partner.

Professional Advisers.

It records contact details for financial advisers, solicitors, and accountants involved in managing or advising on your estate.

Assets and Financial Arrangements.

The checklist covers various assets including investments, savings, life assurances, shares, property, and pensions, with details on providers, account numbers, ownership, and values. It also includes powers of attorney, trusts, and gifts made within the last seven years, along with bank and credit card details.

Additional Information.

The document prompts for miscellaneous contacts such as charities, utility companies, and organisations, as well as storage locations for important documents and items.

Funeral and Other Arrangements.

It addresses preferences for funeral arrangements, specific locations, and memorials. It also lists other relevant documents like wills, powers of attorney, certificates, valuations, and records of gifts, with space for noting their storage.

Summary.

The document aims to ensure all critical personal, financial, and legal information is organised and accessible to facilitate smooth management and transfer of your affairs in the event of your death or loss of mental capacity.

Obtaining a copy

To obtain a copy of this valuable document so you can start filling it in, contact your financial planner or the admin team at our Cambridge office. If you have not obtained a copy by the time of your next review meeting, that will be a good opportunity to obtain one then. A little effort now will go along way to helping your loved ones in the future.

Meanwhile, to download a copy to see exactly what it contains, click the link below.

https://dartingtonwealth.co.uk/wp-content/uploads/2026/05/What-I-own.online.pdf