Euan McAuliffe Financial Planning

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Independent Financial Adviser @ Riverpark IFA | Helping Individuals, Families & Business Owners Invest, Manage and Protect Their Wealth | 300+ Clients Helped | Central Scotland | Message Me To Find Out More

01/11/2026

October flew in! Here’s a look at what I’ve been up to this month:

✅ A new client contacted me looking to reduce his business tax bill. We managed to get the meetings done, advice ready and money in his pension within 3 days, meaning he met his year-end deadline for the end of October

✅ Helped a higher-rate taxpayer benefit more from his employer pension and reduce his tax bill through salary sacrifice

✅ Stopped one client from directly taking a guaranteed annuity, as they weren’t aware of the other options and potential risks

✅ Met with a full family again to set up Junior ISAs, all within the one platform

✅ Went to different providers’ events to stay updated on funds and different insights to help clients

✅ Trip to a freezing cold and wet Blackpool with the family

✅ Carried out several reviews for existing clients

29/10/2026

The planned cut to the Cash ISA allowance is off 💷

In yesterday’s Budget, the Chancellor confirmed the £12,000 limit due from April 2027 won’t go ahead.

You can still put up to £20,000 a year into a Cash ISA, whatever your age. The planned restrictions on transferring between ISA types have been dropped too.

With tax on savings interest outside an ISA going up from April, using your ISA allowance could matter more than ever.

But just because you can keep it all in cash doesn’t mean you should. Cash works well for money you might need in the next few years.

For longer-term money, inflation can quietly eat away at it. The real question is: what is this money for?

If you’ve been thinking about making a plan for your retirement, feel free to send me a message. We’ll look at where you are just now, where you want to be, and what we can do to get you there.

27/10/2026

It means a lot when clients take the time to leave a review like this ☺️

This client and her husband got in touch because they had cash building up in the bank from saving regularly.

Her husband was facing redundancy at work, and they also had a lump sum for their son and wanted to know the best options for it.

A lot of the families I work with want to know what they’ve actually got, where they want to be, and how to look after their kids in the future. That’s why I always look at the whole picture.

If you want to understand how the upcoming changes could affect what you leave behind for your family, I’m happy to have a chat.

25/10/2026

Having shareholder protection in place is important to make sure your business and assets are protected if one of the shareholders dies or becomes seriously ill.

It’s not just about the future of the business itself, but about protecting your family too.

For example, if you were to die suddenly, your co-founder could buy your shares from your family. Your family receives the value of your shares, and your co-founder keeps control of the business. This can only happen if the right agreement and cover are in place.

If you own a business, these protections should be in place to protect what you’ve built.

Feel free to get in touch if you’d like a chat about what could be set up for your business.

24/10/2026

23/10/2026

“The state pension will be enough”�

The full new state pension is around £12,000 a year. For most people, that won’t cover the lifestyle they want in retirement.

“If I transfer my old pension, I’ll lose my 25% tax-free cash”�

Not true. Your right to take 25% tax-free comes with you when you move an old pension.

“I’m too young to worry about a pension”�

The earlier you start, the longer your money has to grow. Waiting means you’ll need to pay in a lot more later to catch up.

“Low risk is the safe choice”�

If you’ve got decades until retirement, playing it too safe could mean your pension grows far less than it could.

“Pensions are a waste because the money’s locked away”�

You get tax relief on what you pay in, and often employer contributions too. That’s money you wouldn’t get anywhere else.

“My pension will automatically go to my partner”�

Not always. Your pension provider decides, guided by your nomination form, so it’s worth checking yours is up to date.

“An annuity is just a guaranteed wage, so there’s no downside”�

Without the right options added, if you die shortly after buying one, the remaining money could be lost.

“Self-employed people can’t get a pension”�

You can, and you still get tax relief. Company directors can even pay in through their business.

Feel free to send me a message if you’d like to discuss your pension and where you want to be financially in retirement.

19/10/2026

There’s more than one way to access your pension. Do you know your options?

Follow me, and send me a message if you’d like to explore which options are best suited to your circumstances.

18/10/2026

A lovely review from a recent client I helped with their pensions and investments.

The value of investments can go down as well as up, and you may get back less than you invested. Combining pensions isn’t right for everyone.

16/10/2026

What I've been up to this week:

✅ Monthly check-in with my marketing team

✅ Three new client meetings

✅ One new client signed up

✅ Meeting with a provider about corporate protection propositions

✅ Day off today, spending all my earnings on pumpkins 🤣

Going for a run tomorrow and spend the weekend with the family!

14/10/2026

“Lost” doesn’t mean the money’s gone.

It’s still sitting there with the pension provider. They’ve just lost touch with the person it belongs to.

Every time you change jobs, you could be starting a new pension. Over a working life, that can leave you with several pots spread across different providers.

A big part of what I do is helping people work out what they’ve actually got. We track down old pensions, see where everything is held, and look at the whole picture.

Then we look at the different options, whether that’s leaving them where they are or bringing them together.

Send me a message if you’d like to make sure your pensions are set up in the best way for your retirement.

Address

Glasgow

Telephone

+447547894544

Website

https://www.vouchedfor.co.uk/financial-advisor-ifa/bellshill/070651-euan-mcauliffe, https://uk.linkedin.com/in/euan-mcau

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