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Abode Financial Planning

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Abode Financial Planning

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At Abode Financial Planning in Cirencester, we get it. Managing money and planning for a solid financial future can be daunting.

We’re here to show you it doesn’t have to be.

15/10/2026

𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝗮𝘃𝗶𝗻𝗴 𝗲𝗻𝗼𝘂𝗴𝗵 𝗶𝗻𝘁𝗼 𝘆𝗼𝘂𝗿 𝗽𝗲𝗻𝘀𝗶𝗼𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁?

We’ve launched a free 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗥𝗲𝗮𝗱𝗶𝗻𝗲𝘀𝘀 𝗖𝗵𝗲𝗰𝗸𝗲𝗿 to help you get a clearer idea.

Answer four quick questions about your age, pension savings, monthly contributions and the kind of retirement lifestyle you would like.

The checker then shows how your pension savings compare with that target, and lets you explore how changes to your retirement age or contributions may affect the result.

It takes around two minutes and is 𝗳𝗿𝗲𝗲 to use.

If retirement is starting to feel a little closer, it’s a useful way to sense-check where you stand.

Try it here: https://abodefinancial.co.uk/retirement-readiness-checker/

12/10/2026

𝗜𝗦𝗔 𝗿𝘂𝗹𝗲𝘀 𝗮𝗿𝗲 𝗰𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟳.

If you’re approaching retirement and have money across Cash ISAs, Stocks and Shares ISAs and pensions, there are a few changes worth knowing about.

Our latest article explains:

✓ what is changing from April 2027
✓ which investments are affected
✓ what the 22% charge means
✓ what to consider if you’re approaching retirement.

Read it here: https://abodefinancial.co.uk/blog/new-isa-rules/

24/09/2026

Having several pension pots can make retirement planning more complicated than it needs to be.

Combining them may help, but it is worth checking each one before you move anything.

Some older pensions include valuable guarantees. Others may offer limited income options or may no longer be invested in a way that suits your retirement plans.

Our latest article explains what to check before consolidating, including:

✓ how each pension is invested
✓ the income options available
✓ guarantees and protected benefits
✓ how your pensions fit alongside ISAs, cash and tax

Read the article:
https://abodefinancial.co.uk/blog/multiple-pension-pots-before-consolidating/

25/08/2026

𝗪𝗵𝗮𝘁'𝘀 𝗶𝘁 𝗿𝗲𝗮𝗹𝗹𝘆 𝗹𝗶𝗸𝗲 𝘁𝗼 𝘄𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝗔𝗯𝗼𝗱𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴?

In our latest video, Operations Director, Emily Whittaker, explains how we work with our clients, from your first meeting through to ongoing support.

She also shares why building long term relationships is such an important part of what we do, and what you can expect as your life changes.

If you'd like to know more about how we work and whether we're the right fit for you, watch the video below.

13/08/2026

Many people approaching retirement have pensions from several different employers.

Some also have a personal pension, a director's pension, or an old workplace pension they've almost forgotten about. 🤯

Bringing pensions together can make retirement planning simpler.

But before you transfer anything, there's one important question to ask.

𝗪𝗵𝗮𝘁 𝗺𝗶𝗴𝗵𝘁 𝘆𝗼𝘂 𝗯𝗲 𝗴𝗶𝘃𝗶𝗻𝗴 𝘂𝗽?

Some pensions include valuable features that may not move with you, such as guaranteed benefits or protected tax free cash. Others are best left exactly where they are.

That's why pension consolidation should always start with understanding what you already have, not simply reducing the number of pension pots.

We've put together a practical guide covering:

• Why people end up with multiple pensions.
• When combining pensions may help.
• When you should pause before transferring.
• How to find old pensions.
• The questions to ask before making a decision.

If retirement is starting to feel closer, it's a good place to start.

🔗 https://abodefinancial.co.uk/blog/combining-pensions/

29/07/2026

Why did Daniel start Abode Financial Planning?

In this short video, he explains why he believed financial advice should feel more personal, why being Chartered and independent matters, and the approach we've built our business around.

If you'd like to know more about who we are and how we work, take a look.

🎥 Watch the video below.

You can also read more about our team, our values and our approach here:
https://abodefinancial.co.uk/about-us/

08/07/2026

Many business owners spend years building a successful business.

But retirement doesn't begin when you sell the business.

It starts much earlier than that.

When we speak to business owners approaching retirement, the conversation is rarely just about pensions or investments.

More often, it's questions like:

• Will my business give me the retirement I want?
• Should I sell, pass it on or step back gradually?
• Where will my income come from after I leave?
• Am I relying too heavily on one asset?

These aren't decisions to leave until retirement is just around the corner.

The earlier you start planning, the more options you're likely to have.

We've put together a guide looking at some of the most common financial planning mistakes business owners make before retirement, along with practical ideas to help avoid them.

You can also swipe through the carousel below for a quick overview.

Read the full article here: https://abodefinancial.co.uk/blog/financial-planning-mistakes-business-owners-make-before-retirement/

24/06/2026

Inheritance Tax planning starts with the people you care about.

Who should receive what?
When should they receive it?
What do you need to keep for your own future?
How would your family pay any tax bill?

These are useful questions to ask before decisions become urgent.

For families in Cirencester and the Cotswolds, property, pensions, ISAs, investments and business wealth can add up quickly. A clear plan can help you pass wealth on carefully, while keeping enough for the life you still want to live.

Our latest guide explains the main options in plain English, including gifting, trusts, life cover in trust, charitable giving and the pension changes expected from April 2027.

Read the guide here:
https://abodefinancial.co.uk/blog/how-to-reduce-an-inheritance-tax-bill/

Or book an initial call with us.

11/06/2026

Can you pay into someone else’s pension?

We’ve added a simple calculator to our website to help you see how pension contributions for a spouse, child, grandchild or another family member may grow over time.

You can adjust:

• How much you pay in
• The tax relief added
• The growth rate
• The age you want to see the value at

For example, if the pension owner does not earn money, you can usually pay in £2,880 a year. HMRC then adds £720, making £3,600 in total.

Try the calculator here: https://abodefinancial.co.uk/blog/contributing-to-a-family-members-pension/ 🧮

This is general information only, not personal advice. Pension and tax rules can change.

10/06/2026

BTS 👀🍿🎥

Address

Watermoor Point, Watermoor Road
Cirencester
GL71LF

Opening Hours

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

Telephone

+441285703060

Website

https://abodefinancial.co.uk/

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