Rhiannon Gossedge-Jones - True Potential Wealth Management

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Rhiannon Gossedge-Jones - True Potential Wealth Management Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP.

FCA Firm Reference Number 529810
Contact us for a no obligation discussion 01323 504 816

If you were diagnosed with something serious next month, what money would you actually get, and when?October is Breast C...
09/10/2026

If you were diagnosed with something serious next month, what money would you actually get, and when?

October is Breast Cancer Awareness Month. Around 59,000 women and 420 men are diagnosed with breast cancer in the UK every year, based on data from 2019 and 2021–2022. It is estimated that around one in seven women in the UK will develop breast cancer during their lifetime.

Critical illness cover pays a lump sum if you are diagnosed with one of the conditions listed in your policy. It is not life cover and it is not income protection. It is designed to provide a lump sum that may help ease the financial impact of a serious illness.

The policy wording decides what you get. Policies list different conditions, and for cancer they set out exactly which stages and grades are covered, with some paying a reduced amount for earlier diagnoses. Cover for your children is included in some policies and not others. And if your cover comes through work, it usually stops the day you leave.

Send me the policy documents for whatever you have, including anything from your employer. I will explain what the policy says is covered, the circumstances in which benefits may be payable and any key limitations or exclusions.

Email me on [email protected]

Breast cancer statistics are from Cancer Research UK and are correct as at September 2026. Annual diagnosis figures are based on UK data from 2019 and 2021–2022. This post is for information only and is not financial advice or a personal recommendation. We offer non-investment protection products (e.g. term assurance, income protection, critical illness and buildings, and contents) from a range of insurers. Policy terms, definitions, exclusions and eligibility criteria vary between insurers and will apply to any cover taken out. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

06/10/2026

Do you know how many years of National Insurance you have actually paid?

That record decides your state pension, and the full new state pension is £241.30 a week. You need 35 qualifying years to get all of it and at least 10 years to get anything at all.

Gaps are easy to end up with and easy to miss. You might have taken years out to raise children, had a stretch of self-employment with low profits, worked abroad for a while, or been studying. Any of that can affect your National Insurance record, and many people do not find out until they are almost at retirement.

There can be limits on how far back voluntary National Insurance contributions can be made, so it is often worth checking your record sooner rather than later.

Send me your National Insurance record and your state pension forecast, both available from gov.uk, and I can help you understand your position, identify if you have gaps and how the state pension sits alongside your other pensions. Filling gaps is not always the right answer, and if it’s not, I will explain why.

Some people are closer to their retirement goals than they realise. The ones who are not, most would rather know at 50 than at 66.

Email me on [email protected]

Figures quoted are for the 2026/27 tax year. Your state pension depends on your own National Insurance record, and state pension and National Insurance rules can change at any time. With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility and tax rules apply, and tax is subject to an individual's personal circumstances. This post is not financial advice or a personal recommendation. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

Such a successful morning chatting to nearly 40 people about inheritance tax and what it means for them. Always a little...
01/10/2026

Such a successful morning chatting to nearly 40 people about inheritance tax and what it means for them.
Always a little nerve wracking to stand up like this but I hope I gave everyone some information that they could take away and find really useful and I really look forward to catching up properly with many of them at a later date. I will be running another one of these days very soon!

How many old workplace pensions have you got, and what are they worth today?If you have changed jobs a few times, that i...
30/09/2026

How many old workplace pensions have you got, and what are they worth today?

If you have changed jobs a few times, that is a hard question to answer, and the paperwork tends to be years out of date.

Send me what you can find. An old statement, a provider name, even just the employer. I will try to track each pension down, find out its current value, and put everything together on one page.

Then you will have a clearer understanding of what each pension contains, the charges you’re paying, how the money is invested and how it fits with your retirement plans.

Sometimes the right answer is to leave them exactly where they are. Some older pensions include valuable guarantees that may be worth keeping, and if that’s the case I’ll explain why.

Email me on [email protected] and send over whatever you can dig out.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Transferring or combining pensions is not right for everyone and you may give up valuable benefits or guarantees by doing so. Pension eligibility and tax rules apply, and tax is subject to an individual's personal circumstances and can change at any time. This post is not financial advice or a personal recommendation. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

25/09/2026

How much of your estate could end up going to Inheritance Tax?

I am Rhiannon Gossedge-Jones from True Potential, and on Wednesday 30 September from 10am to 12pm I am running a free, in-person information session on Inheritance Tax at the Arthur Easton Centre, St Michael’s Hospice, St Leonards, East Sussex.

I will explain the current thresholds, the pension changes due from April 2027, how lifetime gifting works, and what may need to be paid and when. There will be time for questions at the end.

Writing a Will is one part of planning ahead. Understanding Inheritance Tax is another.

Places are limited, so book yours today.

This session is for information only and is not financial advice or a personal recommendation. Tax depends on individual circumstances and tax rules can change. The Financial Conduct Authority does not regulate Will Writing, Tax Advice or Estate Planning. Investment values can rise and fall and capital is at risk. Rhiannon Gossedge-Jones is a Restricted Financial Adviser working with True Potential Wealth Management LLP. authorised and regulated by the Financial Conduct Authority, FRN 529810. www.fca.org.uk. Registered in England and Wales as a Limited Liability Partnership No. OC356611.

Are you self-employed? Then nobody pays you when you cannot work.There is no sick pay, no employer pension contribution ...
21/09/2026

Are you self-employed? Then nobody pays you when you cannot work.

There is no sick pay, no employer pension contribution and no death in service cover unless you have arranged it for yourself.

So if you were off work from Monday for six months, who pays your mortgage?

Income protection is designed to cover exactly that, but how well it covers your situation comes down to the wording. A policy that pays out when you cannot do your own trade is worth considerably more than one that only pays out when you cannot do any job at all. Some start paying a month after you stop working while others keep you waiting six months. Some pay for a year and then stop, and others carry on until you are well enough to go back or you reach retirement.

Two policies costing the same each month can behave completely differently when you come to claim; reading the wording explaining what it means and helping you understand the difference is my job.

I work with tradespeople, contractors, consultants and company directors around Eastbourne and East Sussex. Send me whatever cover you already have, and I will tell you what it might actually pay out, when it would start, and what it leaves uncovered.

Email me on [email protected]

This post is for information only and is not financial advice or a personal recommendation. We offer non-investment protection products (e.g. term assurance, income protection, critical illness and buildings, and contents) from a range of insurers. Policy terms, definitions, exclusions and eligibility criteria vary between insurers and will apply to any cover taken out. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

Are you dealing with your own finances on your own for the first time?It happens after a divorce and it happens after lo...
16/09/2026

Are you dealing with your own finances on your own for the first time?

It happens after a divorce and it happens after losing a partner. If your husband or wife looked after the money, you are now holding pensions, policies and paperwork that nobody has ever explained to you.

Bring me the pile. You do not need to sort it first, and you do not need to know what any of it means.

I will go through it one item at a time and help you understand what the documents relate to, explain them and help you build a clearer picture of your financial position and your options.

We'll identify any immediate priorities and discuss what you may want to deal with first.

Nothing gets decided until you understand it and there is always time to ask questions.

Email me on [email protected] and we will start wherever you like.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility and tax rules apply, and tax is subject to an individual's personal circumstances and can change at any time. This post is not financial advice or a personal recommendation. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

How much of your estate could go to Inheritance Tax?If you don’t know, join me on Wednesday 30 September at 10am for a F...
14/09/2026

How much of your estate could go to Inheritance Tax?

If you don’t know, join me on Wednesday 30 September at 10am for a FREE information session.

I’ll explain the thresholds, upcoming pension changes, lifetime gifting and what may need to be paid and when. You’ll also have the chance to ask questions afterwards.

Written your Will? Understanding Inheritance Tax is another important part of planning ahead.

Book your free place today: https://tinyurl.com/yt8ck6bt

Do you know what percentage of your salary goes into your workplace pension?Most people are on the minimum, and the mini...
11/09/2026

Do you know what percentage of your salary goes into your workplace pension?

Most people are on the minimum, and the minimum was set as a floor rather than a plan.

Here is what it actually means. The total is 8%, made up of at least 3% from your employer and 5% from you. It is not 8% of everything you earn, though. It only applies to the slice of your salary between £6,240 and £50,270, so on a £35,000 salary the contributions are worked out on £28,760. This is something that catches a lot of people out.

Two more worth checking. Some employers will pay in more than 3% if you increase your own contribution, but they don’t always go out of their way to tell you. And unless you have actively chosen an investment fund, your pension will usually be invested in the scheme's default fund, which is something many people don’t realise.

Send me your most recent pension statement and a payslip. I will tell you what is actually going in each month, whether your employer would match if you paid more, what it is invested in, and what that is on course to give you when you stop working.

Email me on [email protected]

Figures quoted are for the 2026/27 tax year. With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Performance forecasts are not a reliable indicator of future performance. Pension eligibility and tax rules apply, and you should ensure your contributions do not result in your total pension contributions within the tax year exceeding £60,000. Employer contribution levels vary between employers. Tax is subject to an individual's personal circumstances, and tax rules can change at any time. This post is not financial advice or a personal recommendation. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

Are you a woman in your fifties wondering how much you need to retire on?Stop guessing at it and get the right figure.Br...
10/09/2026

Are you a woman in your fifties wondering how much you need to retire on?

Stop guessing at it and get the right figure.

Bring me what you have. Old workplace pensions, your state pension forecast, savings, any property. I will put it all in one place and help you understand what level of income your current arrangements could provide at 60, at 65 and at 67.

Then we compare it with the retirement you actually want. Dropping to three days a week at 58. Helping your daughter with a deposit. Two holidays a year while you are fit enough to enjoy them. That is the number that matters, and it is rarely the one people assume.

I am Rhiannon Gossedge-Jones, a Restricted Financial Adviser with True Potential in Eastbourne. I do this with women in their fifties every week.

You will walk out knowing your numbers and what would have to change to reach it. What you do next is your call.

Email me on [email protected] and I will get a time in the diary.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Performance forecasts are not a reliable indicator of future performance. Pension eligibility and tax rules apply, and tax is subject to an individual's personal circumstances and can change at any time. This post is not financial advice or a personal recommendation. Rhiannon Gossedge-Jones is a Restricted Financial Adviser within True Potential Wealth Management LLP which is authorised and regulated by the Financial Conduct Authority. FRN 529810.

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