Lloyd Gaffney - Cedarwood Wealth Management

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Lloyd Gaffney - Cedarwood Wealth Management

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Lloyd Gaffney - Cedarwood Wealth Management, Financial planner, 85 West Regent Street, Glasgow.

Dundee-based Financial Adviser supporting clients across the UK with investment advice and financial planning for retirement and inheritance, tailored to their individual circumstances and objectives, both face-to-face and virtually.

28/10/2026

BUDGET 2026💼

After watching fully grown adults entrusted with running the country behaving like schoolchildren, the Budget has come and gone.

Key areas from a financial planning perspective:

💷 CASH ISAs: A confirmed U-turn on plans to reduce the annual cash ISA allowance from £20,000 to £12,000 for under-65s.

📈 SAVINGS & RENTAL INCOME: Last year's Budget announced a 2 percentage-point increase in tax rates on taxable bank savings interest (outside ISAs) and rental profits from April 2027. Today's Budget added a further 2 percentage points, taking the planned rates to 24%, 44% and 49%.

🏴󠁧󠁢󠁳󠁣󠁴󠁿 SCOTLAND: Savings tax changes apply across the UK. However, the new property income rates apply to England, Wales and Northern Ireland. Scottish rental income is subject to Scottish income tax rules, with our Scottish Budget following on 3 December.

💼 PENSIONS & CGT: No changes to the main Capital Gains Tax rates or pension tax-free cash. However, most unused pension funds will still be included in an individual's estate for Inheritance Tax purposes from 6 April 2027.

💷STATE PENSION: A new tax allowance has been announced to protect pensioners on the lowest incomes from paying tax as the full State Pension rises above the Personal Allowance from April 2027. However, the treatment of those receiving additional private pension income still needs clarification.

The photo is AI, obviously, but I do have a wee bit more hair than John Healey! 💇‍♂️

23/10/2026

This weeks big 5 topics.

Thanks as always to those who refer me to friends and family.

Including those who have put my name in Egg Dundees Facebook a lot recently🙏🏽

⚠️Financial advice is personal to your circumstances⚠️

30/09/2026

Come and spend the day with me as a financial adviser.

Tax. Pensions. Gifting. Trusts. Inheritance planning.

You don’t know what you don’t know, and that’s where I help 🙋🏽‍♂️

29/07/2026

Your pension pot might have a value but what does that actually mean?🤔

Seeing a figure on a pension statement is one thing. Understanding what that could mean for your retirement is another.

📉How long could the pot last?
💷How much income could you take each month?
🏦How would withdrawals be taxed?
📈Does your pension stay invested?
✍️And what happens to it when you die?

These are the questions that really matter when planning for retirement.

A pension pot is not just a number. It is a source of potential income, flexibility and future security, but how you use it can make a big difference

20/07/2026

Receiving a large sum of money can feel overwhelming.

Whether it comes from an inheritance, business sale, pension lump sum or unexpected payout, it can bring big decisions, family pressure and tax considerations.

Before making quick choices, take time to plan.

At Cedarwood Wealth Management, we help you make calm, informed decisions about your financial future

16/07/2026

71% of UK adults don’t understand how Inheritance Tax works or what their beneficiaries may have to pay.

That’s according to the Family and Finances Report 2025 from Schroders Personal Wealth.

Inheritance Tax can feel complicated, but avoiding the conversation may leave your loved ones with uncertainty later on. Early estate planning can help you understand your potential liability, make informed decisions, and pass wealth on more efficiently.

At Cedarwood Wealth Management, we help families start the conversation and plan with confidence.

06/07/2026

Pensions and Inheritance Tax are changing.

From April 2027, most unused pension funds are expected to form part of an estate for IHT purposes.

This could affect families who have previously used pensions as part of tax-efficient estate planning.

IHT is no longer just a “wealth tax” — more people may be caught than they realise.

26/06/2026

The One Card Challenge🔁

Business cards are usually printed in batches of hundreds or thousands and almost all, end up in pockets, drawers, handbags or glove compartments and are never seen again. So I’m trying something different.

This is my card. If you see it, please help it travel by sharing, commenting, or liking.

Can one business card be seen by thousands of people online?

Let’s see how far one card can go 🌍

17/03/2026

Spot the difference 👀🔎

Looks the same at first glance… right?

But small details can completely change the outcome and it’s the same with financial advice.

What worked for:
• someone in the pub 🍻
• a colleague 💼
• or something online 📱
…might not be right for you.

Because your situation is unique, a good adviser isn’t just giving advice —
they’re spotting the small details that matter.🕵

Those little nuances can make a big difference to your future.

And it’s why AI or tools like ChatGPT can only go so far. They can give information - but they can’t truly understand you or uncover the details that matter most.

That’s where real advice makes the difference.🙋‍♂️

09/03/2026

🏇 Cheltenham, Risk & Investing🏇

With Cheltenham happening this week, it’s a good reminder of how people often think about risk.

At the races, you study the form, listen to the tips, and hope you’ve backed the right horse. But ultimately, once the race starts, it’s out of your hands.
Investing isn’t the same as having a punt.

Markets move and there will always be ups and downs, but investing should be built around planning, diversification, and a long-term strategy — not trying to pick a winner.

The focus should be on:
• Clear long-term goals
• Spreading risk properly
• Staying disciplined through market movements

Because good investing isn’t about chasing the next big win — it’s about building something that works over time. 📈

Address

85 West Regent Street
Glasgow
G22AW

Website

https://cedarwoodwm.co.uk/, https://www.linkedin.com/in/lloyd-gaffney/

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