Godiva Financial Planning Ltd

Godiva Financial Planning Ltd At Godiva Financial Planning, we provide bespoke Wealth Management advice to individuals and businesses in and around Coventry and the Midlands.

Japan, one of the world's largest economies, is struggling with a falling currency. The yen has been weakening against t...
03/09/2026

Japan, one of the world's largest economies, is struggling with a falling currency. The yen has been weakening against the US dollar, reaching its lowest level in almost 40 years. It’s also fallen against other currencies, including the pound. While that may sound like a problem confined to the other side of the world, it has become significant enough for both Japan and the US to step in and try to stabilise the situation.

Global investors as well as central banks are paying attention. It is a case of “what happens in Japan may not stay in Japan...” A prolonged decline in the yen has the potential to affect global bond markets, as well as borrowing costs for mortgage rates in the UK.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/what-japans-falling-currency-could-mean-for-borrowing-costs

🥳 We have some exciting news to share! 🥳 Experience matters. Relationships matter even more. We are delighted to announc...
02/09/2026

🥳 We have some exciting news to share! 🥳
 
Experience matters. Relationships matter even more.
 
We are delighted to announce that Wealth Manager, Nigel Davis is joining Godiva Financial Planning bringing with him more than 40 years of experience in the financial services industry.
 
Nigel has spent the last 18 years as a Wealth Manager at St. James’s Place and has built long-standing, trusted relationships with his clients throughout his career.
 
We are proud to welcome Nigel and his clients to the Godiva family and look forward to Nigel joining our growing Practice 🤝
 

🥳 We have some exciting news to share! 🥳Experience matters. Relationships matter even more. We are delighted to announce...
02/09/2026

🥳 We have some exciting news to share! 🥳

Experience matters. Relationships matter even more.

We are delighted to announce that Wealth Manager, Nigel Davis is joining Godiva Financial Planning bringing with him more than 40 years of experience in the financial services industry.

Nigel has spent the last 18 years as a Wealth Manager at St. James's Place and has built long-standing, trusted relationships with his clients throughout his career.

We are proud to welcome Nigel and his clients to the Godiva family and look forward to Nigel joining our growing Practice 🤝

Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – a...
04/08/2026

Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – and financial resilience. 👨‍👩‍👦 🗝️

Financial protection such as insurance cover helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should the worst happen.

A financial adviser can help you make sure you have the right level and type of protection for you, both now and in the future. 🛡️

The value of protection insurance is clear. Cover brings peace of mind that the people you care about most will have a financial safety net should the worst happen.

Protection policies paid out a record £8 billion in life, critical illness and income protection claims in 2024, according to figures from the industry’s trade body the Association of British Insurers1.

None of us know what’s round the corner. Yet many of us still cross our fingers, and trust that ‘it won’t happen to me’.

Read more : https://www.godivafinancialplanning.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it

Vulnerability is common and can happen to anyone and at any time.It can be triggered by a number of things, but major fa...
28/07/2026

Vulnerability is common and can happen to anyone and at any time.

It can be triggered by a number of things, but major factors include health, life events, low resilience, or reduced capability.

Advice can help by slowing decisions down, creating clarity and helping to prioritise what really matters.


Nobody likes to think of themselves as being vulnerable, but the reality is that all of us will likely experience periods of vulnerability at some stage in our lives. Vulnerability can be caused by a range of factors, such as physical or mental illness, bereavement, the end of a relationship, or significant financial pressures.

People may move in and out of periods of vulnerability, it may be fluctuating, short term or longer term. But for most people it is a stage of life, rather than a fixed state of being. However, ensuring people have access to the right support at difficult times in their life, is not always straightforward.

As the largest provider of financial advice in the UK, we are committed to ensuring that people have the help and support they need, when they need it and how they need it, particularly at times of vulnerability. We believe that needing support is normal – and that planning is a strength. Being prepared for whatever life may throw at you can help you get through the difficult times.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/vulnerability-isnt-a-label-its-part-of-life

The American Dream? Well, it seems to be getting a bit rusty. 🥴 With inflation squeezing the wallets of the less fortuna...
21/07/2026

The American Dream? Well, it seems to be getting a bit rusty. 🥴

With inflation squeezing the wallets of the less fortunate and the rich steering the ship like they’ve got a GPS, it’s hard not to worry about the cracks in this ideal. Remember when Marie Antoinette supposedly said, ‘Let them eat cake’? That was more than just a catchy quote; it was a sign of a society losing its grip on realities.

Fast forward 200+ years, and we’re seeing a similar divide right before our eyes. The richest 50% now hold a whopping 97.5% of the total US net worth! Meanwhile, those in the ‘working class’ are juggling bills with one hand and hoping for a slice of growth with the other.

While wealthy households have stashed away savings and can still indulge, lower-income families are pinching pennies every time they hit the grocery store. This isn’t just about financial data; it’s about real lives feeling the strain.

Can this widening gap spell trouble for the economy as a whole? Seems like something we should keep an eye on! 💭

Thinking about what happens to your pension after you’re gone? Recent changes by the Government mean from April 2027, in...
17/07/2026

Thinking about what happens to your pension after you’re gone?

Recent changes by the Government mean from April 2027, inherited pension funds might be subject to inheritance tax.

This could have a significant impact on how you plan for your loved ones. It's crucial to understand the changes so you can make informed decisions now, rather than facing surprises later. Planning ahead not only helps secure your family’s financial future but also ensures your hard-earned money goes where you want it to, without unnecessary tax implications.

Stay ahead of the curve: knowing these details can make all the difference.

We’re delighted to be part of the UK Retail Investment Campaign, a landmark initiative to help Britons invest for their ...
10/07/2026

We’re delighted to be part of the UK Retail Investment Campaign, a landmark initiative to help Britons invest for their financial future.

With the lowest level of retail investment in the G7, this industry-wide initiative, supported by His Majesty’s Treasury, the FCA, and the Money and Pensions Service, aims to make investing more accessible and empower people with the information to take control of their families’ financial wellbeing.

Discover how our collective efforts are set to inspire a new generation of investors: https://ow.ly/Il0Y50XGIwq

🏠 What are offset mortgages – and how do they work?With interest rates expected to remain elevated through 2026, many bo...
07/07/2026

🏠 What are offset mortgages – and how do they work?

With interest rates expected to remain elevated through 2026, many borrowers are looking more closely at ways to reduce mortgage costs. One option attracting attention is the offset mortgage — a product that links your savings to your mortgage balance.

💡 At a glance:

• An offset mortgage allows savings held in a linked account to reduce the mortgage balance charged interest.
• For example, someone with a £250,000 mortgage and £25,000 in linked savings would only pay mortgage interest on £225,000.
• Borrowers can usually choose whether the offset reduces monthly repayments or shortens the mortgage term.
• Savings remain accessible, although withdrawing money increases the mortgage balance on which interest is charged.

Offset mortgages can offer flexibility, particularly for people with substantial savings or fluctuating income — such as the self-employed. They may also appeal to higher-rate taxpayers, as the benefit comes through reduced mortgage interest rather than taxable savings interest.

However, offset deals are not always the cheapest option. Interest rates can be higher than standard mortgages, and the benefits depend heavily on the amount of savings held alongside the loan.

For some households, the ability to keep savings accessible while reducing mortgage interest can be valuable. For others, a larger deposit or traditional repayment structure may prove more suitable.

As with any mortgage decision, understanding the trade-offs and how the structure fits individual circumstances is important before committing to a particular route.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/what-are-offset-mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage. This content is for information only and does not constitute financial advice.

Every now and then, we get to witness someone find clarity in a decision that's been weighing on them. Recently, a clien...
03/07/2026

Every now and then, we get to witness someone find clarity in a decision that's been weighing on them.

Recently, a client came to us feeling overwhelmed about planning for children’s school fees. Just the thought of it made them anxious. We sat down over a cuppa, and listened as they shared their concerns and dreams for their family. It became clear that they didn’t just want to save; they wanted a roadmap that felt achievable.

By breaking things down into manageable steps, we created a plan that didn’t feel daunting but rather empowering.

Seeing them embrace that clarity reminded us of how important it is to not rush decisions. Progress often looks quiet, but it’s the small steps, taken with assurance, that lead to lasting change.

Address

Friars House, Manor House Drive
Coventry
CV12TE

Opening Hours

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

Telephone

+442477360315

Website

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