Profecto Financial Services

Profecto Financial Services Profecto Financial Services advises clients on all aspects of wealth management, mortgages and business protection.

We also advise on equity release and client’s receiving long term care. We focus our client’s attention on their long-term goals

Secure a brighter future for your loved ones by making smart financial decisions today. Many parents worry that their ch...
03/06/2026

Secure a brighter future for your loved ones by making smart financial decisions today. Many parents worry that their children will struggle to find their financial feet in the current environment with concerns over the jobs market, inadequate retirement savings and difficulty in getting onto the property ladder. However, there are a variety of investment and saving tools for parents and grandparents who want to support children and grandchildren in building financial foundations. Here The Herald explores some of the main options available.

Quilter is not responsible for the accuracy of this article's information.

In the latest edition of Money HQ, Ben Stark outlines the tools designed to help with saving and investing for children and grandchildren.

The Department for Work and Pensions estimates that 760,000 pensioners who qualify for Pension Credit on top of your Sta...
02/06/2026

The Department for Work and Pensions estimates that 760,000 pensioners who qualify for Pension Credit on top of your State Pension are not claiming it. Find out who is eligible in this article.

Quilter is not responsible for the accuracy of this article's information.

Here's how to check if you qualify for the additional support

Are you a landlord - and ready for the new rules? Proposed changes could mean fines of up to £7,000 if landlords don’t f...
01/06/2026

Are you a landlord - and ready for the new rules? Proposed changes could mean fines of up to £7,000 if landlords don’t follow the latest requirements. It’s a big shift for buy-to-let and one you don’t want to miss. Check out this article from MoneyWeek for more information.

Quilter is not responsible for the accuracy of this article's information.

New rental rights go live from 1 May and landlords need to act fast to avoid a fine for not keeping tenants informed.

Are you paying the right amount of tax on your state pension? Around 1.7 million pensioners could risk paying too much t...
29/05/2026

Are you paying the right amount of tax on your state pension? Around 1.7 million pensioners could risk paying too much tax, due to an administrative error from HMRC. This issue affects those who fill out a self-assessment tax return and the tax office is telling pensioners to check their tax returns carefully before the self-assessment deadline on January 31 2027. Here, Which? explains how to check whether you’ve paid too much tax, what to do if the figure on your tax return is wrong, and what upcoming changes to state pension tax could mean for you.

Quilter is not responsible for the accuracy of this article's information.

HMRC has admitted an error in how some state pension income is calculated on self-assessment tax returns

Are you saving enough for retirement? With life expectancy on the rise, it's important to plan ahead. But with later lif...
27/05/2026

Are you saving enough for retirement? With life expectancy on the rise, it's important to plan ahead. But with later life expectancy comes the burden of funding retirement for longer. In this guide, Money Week looks at how you can boost your retirement cash pot and cover care costs in later life. Check out this insightful article for tips on maximising your pension savings and see what Adam Cole, retirement specialist at Quilter has to say.

Quilter is not responsible for the accuracy of this article's information.

Later-life planning is more important than ever, with 19% of girls and 12% of boys born in 2024 expected to live to 100, according to the ONS

Are you saving enough for retirement? A Government-backed report warns that millions may not be prepared for the financi...
26/05/2026

Are you saving enough for retirement? A Government-backed report warns that millions may not be prepared for the financial reality of stopping work. It’s a good time to review where you stand. For more information, read this article from This is Money.

Quilter is not responsible for the accuracy of this article's information.

More than four in 10 working adults are not putting aside anything at all for retirement, according to the Pensions Commission.

Stamp duty rates are different for landlords than for those owning one family home. This article breaks down the various...
22/05/2026

Stamp duty rates are different for landlords than for those owning one family home. This article breaks down the various rates within the UK as it differs depending on your location. Read more to find out the current rates for England, Northern Ireland, Scotland and Wales.

Quilter is not responsible for the accuracy of this article's information.

Stamp duty is an important cost to consider when purchasing property. We explain what rates landlords can expect when buying a buy-to-let.

Thinking about unlocking your pension funds? Pensioners are increasingly pulling all of their retirement funds out in on...
20/05/2026

Thinking about unlocking your pension funds? Pensioners are increasingly pulling all of their retirement funds out in one go, facing the risk of high tax bills and running out of money in later life. Before making any decisions, read this article for valuable tips and guidance on how to best manage your retirement savings. Ian Futcher, financial planner at Quilter, explains what you should consider before cashing in your retirement pot.

Quilter is not responsible for the accuracy of this article's information.

Pensioners are increasingly pulling all of their retirement funds out in one go, facing the risk of high tax bills and running out of money in later life. We look at what to consider before taking the money.

Savers are being warned that time is running out on one of Britain's most generous tax-free savings products. Lifetime I...
19/05/2026

Savers are being warned that time is running out on one of Britain's most generous tax-free savings products. Lifetime ISA's will no longer be open to new applicants from April 2028. The change, confirmed by HM Revenue & Customs, will see the Lifetime ISA (LISA) replaced with a new first-time buyer-only product, representing a significant shake-up in how Britons can save for both property and retirement. Have a read of this article from The Mirror for the details.

Quilter is not responsible for the accuracy of this article's information.

Consumer champion Which? has issued the alert

Thinking about buying a home this year? The property market is shifting, with supply improving and affordability startin...
18/05/2026

Thinking about buying a home this year? The property market is shifting, with supply improving and affordability starting to change. For more information, read this article from MoneyWeek.

Quilter is not responsible for the accuracy of this article's information.

Higher housing supply may make it cheaper to get on the property ladder in 2026 but there are other factors to consider

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24 Hylton Gardens
Exeter
EX42QE

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Monday 9am - 5pm

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