rockwealth

29/10/2026

For three years, rumours about cuts to pension tax-free cash have left savers wondering whether they should act before the next Budget.

Yet the feared cuts never arrived.

Making financial decisions based on speculation can have lasting consequences, particularly when it comes to pensions and retirement planning.

Our latest article explores why patience and a clear financial plan are often more valuable than reacting to Budget rumours.

Read the full article to find out more: https://buff.ly/qTS7ZNm

29/10/2026

Autumn Budget 2026: Could the latest tax changes affect your financial plans?

The October Budget has announced further changes that could affect how you save, invest and plan for the future.

From April 2027, savings income tax rates will increase to 24%, 44% and 49%, depending on your tax band, while the £20,000 annual ISA allowance remains in place.

Alongside these announcements, previously legislated changes to inheritance tax on unused pension funds are also due to take effect in April 2027.

For individuals and families with significant savings, investments and pension wealth, now is a sensible time to review how everything works together.

At rockwealth, we help you understand how tax changes could affect your financial position and adapt your long-term plans where appropriate.

Unsure what the Autumn Budget means for your finances? Speak to your local rockwealth financial planner.

Tax treatment depends on individual circumstances and rules may change.

25/10/2026

Are your investments actually helping you achieve your financial goals?

Having pensions, savings and investments is one thing. Knowing whether they're enough to support the future you want is another.

A personalised financial plan can help you identify potential shortfalls, understand when you could afford to retire and ensure your investment strategy supports your wider goals.

But financial planning isn't a one-off exercise. As markets, tax rules and personal circumstances change, ongoing reviews help keep your financial decisions aligned with your future.

24/10/2026

Does financial advice really need to be so complicated?

After 25 years in the financial industry, Rob Smith from rockwealth Chiswick believes the answer is no.

Too many people have pensions, investments and financial products accumulated over the years without a clear understanding of how everything fits together.

Sometimes the best financial decision isn't adding something new. It's simplifying what you already have.

https://buff.ly/OinHPyW

23/10/2026

Inheritance tax is usually 40%. So where does the 60% trap come from?

When an estate exceeds £2 million, the residence nil-rate band starts to disappear.

From April 2027, most unused pensions will also count towards the estate's value, potentially pushing more families into this threshold.

For some estates, the combined effect creates an effective 60% inheritance tax rate on part of their wealth.

Tom Redmayne at rockwealth Cambridge explains how the rules work and why families with substantial pensions and property should review their plans.

Read the full article. https://buff.ly/B8G09mQ

23/10/2026

Successful investing isn't about predicting the next winning stock.

Decades of academic research have identified characteristics such as company size, value and profitability that can influence long-term expected returns.

This is the foundation of factor investing.

At rockwealth, we use these evidence-based principles to build globally diversified portfolios, focusing on long-term growth, managing risk and keeping costs low.

Because a disciplined investment strategy should be built on research, not guesswork.

22/10/2026

Could you afford to spend more in retirement than you think?

After decades of saving, switching to spending can feel surprisingly difficult.

Hetty Hyde-Durrant from rockwealth explains how financial planning could help you feel more confident about spending your retirement savings without constantly worrying about running out of money.

Because retirement isn't just about building wealth. It's about understanding how you can enjoy it.

https://buff.ly/aRpdTi5

Many people spend their entire working lives saving and being told ...

21/10/2026

Could spending or gifting some of your wealth now reduce your family's future inheritance tax bill?

With unused pensions coming into the inheritance tax calculation from April 2027, some families may need to rethink how they use their retirement savings.

Tom Redmayne, Chartered Financial Planner at rockwealth Cambridge, explains why spending, gifting and reviewing your pension withdrawal strategy could all be worth considering.

The right approach depends on your circumstances, but understanding your options now could make a significant difference.

https://buff.ly/B8G09mQ

20/10/2026

Are your investments actually helping you achieve your financial goals?

Having pensions, savings and investments is one thing. Knowing whether they're enough to support the future you want is another.

In our video, Brandon Lamam, Chartered Financial Planner at rockwealth Leeds, explains why good financial planning starts with understanding where you are today and where you want to be.

https://buff.ly/XJFnRip

In this video, Brandon, a Chartered Financial Planner from rockweal...

20/10/2026

Meet Nicola Floyd, one of the financial planners behind rockwealth Cotswolds.

Nicola has spent more than 20 years working in finance, from investment banking around the world to fund management and impact investing.

Along the way, she developed a strong belief that financial planning should be about much more than choosing investments.

It's about understanding your life, your goals and what financial freedom means to you.

Now working alongside Andy Collett in the Cotswolds, Nicola is helping bring that approach to local individuals and families.

Read Nicola's story and discover why she chose rockwealth:

https://buff.ly/thbccYe