Pivotal Financial Planning

02/11/2026

£𝟏𝟒𝟓,𝟗𝟎𝟎 𝐢𝐧 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐰𝐞𝐚𝐥𝐭𝐡 𝐚𝐭 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭. 𝐈𝐬 𝐢𝐭 𝐞𝐧𝐨𝐮𝐠𝐡?

That’s the median pension wealth for people aged 65–74, according to the ONS. A substantial amount of money, certainly. But what does it actually mean for your retirement?

A moderate retirement lifestyle for a single person is estimated to cost around £31,700 a year. A full State Pension provides roughly £12,500 a year, leaving around £̲1̲9̲,̲2̲0̲0̲ ̲t̲o̲ ̲f̲u̲n̲d̲ ̲f̲r̲o̲m̲ ̲o̲t̲h̲e̲r̲ ̲s̲o̲u̲r̲c̲e̲s̲.

If you had £145,900 in an accessible pension pot and used it to cover that shortfall, it would last around 7½ years, taking you from age 68 to around 75. That’s a simplified illustration, before investment growth, inflation and taxation.

𝐀𝐧𝐝 𝐞𝐯𝐞𝐧 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐚𝐢𝐝 𝐨𝐟𝐟, 𝐭𝐡𝐞 𝐛𝐢𝐥𝐥𝐬 𝐝𝐨𝐧'𝐭 𝐬𝐭𝐨𝐩. Council tax, gas and electricity, food, clothing, home maintenance, TV and internet still need paying.

Then there's the fun stuff. Holidays, meals out, days away, and spending money on the grandkids. 𝑨𝒇𝒕𝒆𝒓 𝒂 𝒍𝒊𝒇𝒆𝒕𝒊𝒎𝒆 𝒐𝒇 𝒘𝒐𝒓𝒌𝒊𝒏𝒈, 𝒔𝒉𝒐𝒖𝒍𝒅𝒏'𝒕 𝒓𝒆𝒕𝒊𝒓𝒆𝒎𝒆𝒏𝒕 𝒎𝒆𝒂𝒏 𝒉𝒂𝒗𝒊𝒏𝒈 𝒕𝒉𝒆 𝒇𝒓𝒆𝒆𝒅𝒐𝒎 𝒕𝒐 𝒆𝒏𝒋𝒐𝒚 𝒚𝒐𝒖𝒓𝒔𝒆𝒍𝒇, 𝒓𝒂𝒕𝒉𝒆𝒓 𝒕𝒉𝒂𝒏 𝒘𝒐𝒓𝒓𝒚𝒊𝒏𝒈 𝒂𝒃𝒐𝒖𝒕 𝒆𝒗𝒆𝒓𝒚 𝒑𝒐𝒖𝒏𝒅?

There's another sobering statistic: 𝐚𝐫𝐨𝐮𝐧𝐝 𝟑𝟎% 𝐨𝐟 𝐚𝐝𝐮𝐥𝐭𝐬 𝐡𝐚𝐯𝐞 𝐧𝐨 𝐩𝐫𝐢𝐯𝐚𝐭𝐞 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐰𝐞𝐚𝐥𝐭𝐡 𝐚𝐭 𝐚𝐥𝐥.

This is why we're working with employers and financial educators to highlight the importance of pension planning. It's about helping people understand what they're likely to need, what they're on track to receive, and what steps they might take to close any gap.

𝐃𝐨𝐧'𝐭 𝐥𝐞𝐚𝐯𝐞 𝐢𝐭 𝐭𝐨𝐨 𝐥𝐚𝐭𝐞. The earlier you understand your retirement plan, the more time you have to do something about it.



SOURCE:

https://researchbriefings.files.parliament.uk/documents/CBP-10210/CBP-10210.pdf
https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/datasets/pensionwealthwealthingreatbritain

Approver Quilter Financial Services Limited October 2026

01/11/2026

Well done, Jordan Mushet - Financial Adviser! 👏

5 stars across the board, and a reminder about pensions. ⭐

I was really pleased to receive this review from a client in St. Andrews this week.

They came to me for pension advice and consolidation. Over the years they'd built up several pensions with different providers, and like many people, they weren't sure what they had, where it was, or how it was performing.

We brought them together into one plan and got regular contributions started creating a robust retirement plan. They've seen the outcome they were hoping for.

Why does consolidation matter, especially ahead of retirement?

✅ Clarity. One plan, one valuation, one clear picture of where you stand

✅ Lower admin. Fewer statements, logins and providers to keep track of

✅ Better planning. It's far easier to build a retirement income strategy when you can see the whole pot

✅ Review and oversight. Your investments and charges can be checked in one place

⏳ Time. Transfers can take several weeks, sometimes a few months, depending on the providers involved

The time to get this in order is beforeyou retire, not after.

Consolidation isn't right for everyone. Some older pensions carry valuable guarantees or benefits you wouldn't want to lose, so it always needs to be looked at carefully first.

If you've got a handful of old pensions scattered around, a conversation could be worth having.

Want to feel confident about choosing an adviser to work with to look after your life savings, read all verified client reviews here: https://www.vouchedfor.co.uk/financial-advisor-ifa/dunfermline/073829-jordan-mushet

📞 07498219757
📧 [email protected]

Approver Quilter Financial Services Limited October 2026

Pensions are designed to help grow your money over the longer term. You should keep in mind that they are exposed to market movements, meaning values can go down as well as up, and you may not receive back the full amount saved into a pension.

19/10/2026

𝐘𝐨𝐮𝐫 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐞𝐬. 𝐌𝐚𝐤𝐞 𝐒𝐮𝐫𝐞 𝐘𝐨𝐮𝐫 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐃𝐨𝐞𝐬 𝐓𝐨𝐨.

Think about how life evolves.

In your 20s and 30s, you might be more adventurous, building your career, enjoying new experiences and looking ahead to the future.

In your 40s and 50s, priorities often shift. Children, mortgage commitments and planning for the years ahead can mean taking a more balanced approach to your finances.

As retirement approaches and you move into your 60s and beyond, your focus may turn towards protecting the retirement income you've built, while making sure your money can continue to support you.

Your retirement pot should reflect your aspirations, your financial goals and your 𝐀𝐭𝐭𝐢𝐭𝐮𝐝𝐞 𝐭𝐨 𝐑𝐢𝐬𝐤, i.e. how comfortable you are with investment fluctuations?

But here's something worth thinking about…

𝐖𝐡𝐚𝐭 𝐚𝐛𝐨𝐮𝐭 𝐲𝐨𝐮𝐫 𝐨𝐥𝐝 𝐨𝐫 𝐟𝐨𝐫𝐠𝐨𝐭𝐭𝐞𝐧 𝐩𝐞𝐧𝐬𝐢𝐨𝐧𝐬?

Could they still be invested in a way that suited the person you were 20 years ago, rather than the person you are today?

There’s no magic age when you should become more cautious, and no single investment strategy that suits everyone. What matters is making sure your pensions are still appropriate for you.

Your pension should work for the life you're living today — and the future you're planning.

There is no time like now to review your pensions and your attitude to risk!

Get in touch and let’s take a closer look.

Approver Quilter Financial Services Limited October 2026

06/10/2026

𝐃𝐎𝐍’𝐓 𝐋𝐄𝐓 𝐘𝐎𝐔𝐑 𝐏𝐄𝐍𝐒𝐈𝐎𝐍 𝐂𝐎𝐀𝐒𝐓 𝐈𝐍𝐓𝐎 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓.
𝐌𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐢𝐭’𝐬 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐲𝐨𝐮.

It’s surprisingly easy to leave a pension behind when you change jobs — and simply assume it will look after itself.

But an old pension could have:

- Charges that are higher than necessary

- Investments that no longer reflect your attitude to risk

- Funds that haven't been reviewed for years

- Poor value compared with newer alternatives

- Features or restrictions you may not even realise you're paying for

And the numbers can be significant.

There are an estimated 𝟑.𝟑 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐥𝐨𝐬𝐭 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐩𝐨𝐭𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐔𝐊, 𝐰𝐨𝐫𝐭𝐡 𝐚𝐫𝐨𝐮𝐧𝐝 £𝟑𝟏.𝟏 𝐛𝐢𝐥𝐥𝐢𝐨𝐧.

The Financial Conduct Authority (FCA) also reported in 2026 that some legacy pension products may provide poorer value because of older product design and complex charging structures.

And in an FCA/DWP/TPR illustration, a £10,000 pension growing in a poor-performing scheme could reach around £10,400 over five years, compared with £15,100 in a high-performing one. 𝐓𝐡𝐚𝐭'𝐬 𝐚 𝟒𝟔% 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞.

That doesn't mean every old pension is bad — far from it. But it does mean your pensions are worth reviewing. Because the pension you forgot about today could be funding your lifestyle tomorrow.

𝐃𝐨𝐧'𝐭 𝐥𝐞𝐚𝐯𝐞 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐭𝐨 𝐜𝐡𝐚𝐧𝐜𝐞. 𝐑𝐞𝐯𝐢𝐞𝐰 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮'𝐯𝐞 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐛𝐮𝐢𝐥𝐭.

Get in touch to have a chat about your old pensions.

Approver Quilter Financial Services Limited October 2026

Sources:

https://www.fca.org.uk/news/press-releases/pension-firms-must-do-more-customers-older-pensions-fund-savings
https://www.fca.org.uk/news/press-releases/pension-value-be-put-under-spotlight
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1168816/analysing-the-impact-of-private-pension-measures-on-member-outcomes.pdf
https://www.fca.org.uk/news/press-releases/defined-contribution-workplace-pensions-audit-charges-and-benefits-legacy

28/09/2026

How much attention do you really pay to your pension?

Your pension could be one of the most important financial assets you have — but when was the last time you actually checked how it's doing?

Research from Standard Life suggests that as much as 65% of the final value of a pension could come from investment growth*.

That makes understanding where your pension is invested, what you're paying in charges and whether it still matches your retirement plans pretty important.
And there's another question worth asking:

What sort of retirement are you actually working towards?

We've put together six things worth checking — from investment risk and charges to your retirement age and how much you might actually need.

👉 Read the full article:
https://pivotalhome.co.uk/is-your-pension-still-right-for-you-6-things-to-check/

*Source: https://www.standardlife.co.uk/articles/article-page/pension-compound-growth

The value of investments can fall as well as rise and you may not get back the amount originally invested. Tax treatment depends on individual circumstances and may be subject to change.

Approver Quilter Financial Services Limited September 2026.

21/09/2026

“𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞? 𝐓𝐡𝐚𝐭’𝐬 𝐟𝐨𝐫 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐢𝐭𝐡 𝐦𝐢𝐥𝐥𝐢𝐨𝐧𝐬, 𝐢𝐬𝐧’𝐭 𝐢𝐭?”

A common myth is that you only need a financial adviser if you have lots of money to invest. But financial advice isn’t just about managing wealth.

It’s about protecting what you have, planning for what’s ahead and making the most of the money you’ve worked hard for.

𝐀 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐬𝐞𝐫 𝐜𝐨𝐮𝐥𝐝 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐢𝐟:

→ You have a family and want to make sure they’re financially protected if you can’t work, are made redundant or die.
→ You own your home or have other assets and want to make sure they go to the people you care about.
→ You have savings or investments and want to make sure they’re in the right place and working as hard as they could be.
→ You’re thinking about retirement and want to know whether you’re on track for the lifestyle you’d like.
→ You want to get your affairs in order with a Will, Power of Attorney or Trust, and make sure your estate is structured with tax in mind.
→ You simply want to make the most of what you’ve worked hard for.

And with changes to pensions coming into effect in April, are you fully aware of what they could mean for you, your retirement plans and the people you want to leave your money to?

It could be worth taking advice now, rather than finding out later.
Because financial advice isn’t just for people with millions.
It’s for people with plans, families, futures and things worth protecting.

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐟𝐨𝐫 𝐚 𝐟𝐫𝐞𝐞 𝐢𝐧𝐢𝐭𝐢𝐚𝐥 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧. 𝐍𝐨 𝐩𝐫𝐞𝐬𝐬𝐮𝐫𝐞, 𝐣𝐮𝐬𝐭 𝐚 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧 𝐚𝐛𝐨𝐮𝐭 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐛𝐞.


Approver Quilter Financial Services Limited September 2026.

15/09/2026

𝐖𝐡𝐚𝐭 𝐝𝐨 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐯𝐚𝐥𝐮𝐞 𝐚𝐛𝐨𝐮𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞?

I could probably count on one hand the number of clients who care solely about investment growth. Of course they want their money to grow. That's important. It's one of the main reasons we're working together in the first place.

But ask them what they really value about having an adviser, and the answer is much broader.

It's being able to send a WhatsApp with a question and know you’ll get a quick reply.

It's having someone who knows your circumstances and can help when life throws you a curveball.

It's spotting a tax problem before it becomes an expensive one.

It's planning ahead rather than reacting when something happens.

It's finding a solution when the obvious answer isn't necessarily the right one.

It's thinking differently. Joining the dots. Looking at the bigger picture. And, ultimately, knowing that someone you trust is helping make sure you and your family are financially prepared for whatever comes next.

𝐓𝐡𝐚𝐭'𝐬 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥 𝐯𝐚𝐥𝐮𝐞 𝐨𝐟 𝐚𝐝𝐯𝐢𝐜𝐞.

Investment performance matters. But it's only one part of the story. And perhaps that's why the best financial advice isn't really about investments at all.

It's about 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐚𝐫𝐨𝐮𝐧𝐝 𝐭𝐡𝐞𝐦.

Sources:
https://www.fca.org.uk/publications/research-notes/bridging-advice-gap-estimating-relationship
https://www.royallondon.com/about-us/media/media-centre/press-releases/archive/financial-advice-provides-47000-wealth-uplift/
https://www.vanguard.co.uk/professional/vanguard-365/client-relationships/articulating-your-value/case-studies
https://www.vanguard.co.uk/professional/insights/how-well-do-financial-advisers-know-their-clients
https://www.royallondon.com/about-us/media/Media-Centre/press-releases/press-releases-2025/november/Clients-increasingly-value-advice-amidst-budget-speculation-and-market-uncertainty/

Approver Quilter Financial Services September 2026

11/09/2026

𝐓𝐡𝐞 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐆𝐫𝐞𝐚𝐭 𝐀𝐝𝐯𝐢𝐜𝐞 𝐌𝐚𝐤𝐞𝐬

Great financial planning is about more than recommendations and reports. It's about building trusted relationships, providing reassurance during challenging times, and being there when clients need support most. That's why we're delighted to see Jordan recognised by a client on VouchedFor for his commitment, communication and dedication throughout their financial planning journey.

"𝐇𝐞 𝐡𝐚𝐬 𝐤𝐞𝐩𝐭 𝐢𝐧 𝐫𝐞𝐠𝐮𝐥𝐚𝐫 𝐜𝐨𝐧𝐭𝐚𝐜𝐭 𝐚𝐧𝐝 𝐨𝐟𝐭𝐞𝐧 𝐰𝐞𝐧𝐭 𝐚𝐛𝐨𝐯𝐞 𝐚𝐧𝐝 𝐛𝐞𝐲𝐨𝐧𝐝 𝐢𝐧 𝐭𝐡𝐞 𝐰𝐨𝐫𝐤 𝐡𝐞 𝐜𝐚𝐫𝐫𝐢𝐞𝐝 𝐨𝐮𝐭."

At Pivotal Financial Planning, we believe the best outcomes come from truly understanding our clients' circumstances and supporting them every step of the way. Feedback like this reflects the high standards of service and client care that Jordan and the wider team strive to deliver every day.

Thank you for your kind words and for placing your trust in Jordan Mushet - Financial Adviser and Pivotal Financial Planning.

07/09/2026

𝐈𝐬 𝐲𝐨𝐮𝐫 𝐜𝐚𝐬𝐡 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐚𝐬 𝐡𝐚𝐫𝐝 𝐚𝐬 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝?

You might have £20,000, £50,000 or more sitting in a bank account, earning interest. But, when was the last time you checked the rate?

There are savings solutions that can give you access to 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐯𝐞 𝐫𝐚𝐭𝐞𝐬 𝐟𝐫𝐨𝐦 𝐚 𝐫𝐚𝐧𝐠𝐞 𝐨𝐟 𝐛𝐚𝐧𝐤𝐬, without having to spend your time constantly shopping around.

Your money stays in cash — you could simply be making it work harder. Currently, an easy access account is generating up to 3.95% interest, and there are lots of accounts to choose from, with one easy application. And importantly, 𝐞𝐥𝐢𝐠𝐢𝐛𝐥𝐞 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐰𝐢𝐭𝐡 𝐔𝐊-𝐚𝐮𝐭𝐡𝐨𝐫𝐢𝐬𝐞𝐝 𝐛𝐚𝐧𝐤𝐬 𝐜𝐚𝐧 𝐛𝐞𝐧𝐞𝐟𝐢𝐭 𝐟𝐫𝐨𝐦 𝐅𝐒𝐂𝐒 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐨𝐟 𝐮𝐩 𝐭𝐨 £𝟏𝟐𝟎,𝟎𝟎𝟎 𝐩𝐞𝐫 𝐩𝐞𝐫𝐬𝐨𝐧, 𝐩𝐞𝐫 𝐚𝐮𝐭𝐡𝐨𝐫𝐢𝐬𝐞𝐝 𝐟𝐢𝐫𝐦.

𝐈𝐟 𝐲𝐨𝐮'𝐯𝐞 𝐠𝐨𝐭 𝐬𝐢𝐠𝐧𝐢𝐟𝐢𝐜𝐚𝐧𝐭 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐬𝐢𝐭𝐭𝐢𝐧𝐠 𝐢𝐧 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤, 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐰𝐨𝐫𝐭𝐡 𝐚 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧.

We can help you understand your options and find a solution that's right for you.

𝐘𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐰𝐨𝐫𝐤𝐞𝐝 𝐡𝐚𝐫𝐝 𝐭𝐨 𝐠𝐞𝐭 𝐭𝐡𝐞𝐫𝐞. 𝐋𝐞𝐭’𝐬 𝐰𝐨𝐫𝐤 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐭𝐨 𝐤𝐞𝐞𝐩 𝐢𝐭 𝐠𝐫𝐨𝐰𝐢𝐧𝐠.

Approver Quilter Financial Services Limited September 2026.

26/08/2026

𝐀𝐝𝐯𝐢𝐜𝐞 𝐢𝐬 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 - 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐨𝐮𝐭𝐜𝐨𝐦𝐞𝐬.

Everyone has to start somewhere when it comes to saving and investing. That's why we offer Quilter Invest, a straightforward way to take control of your financial future. If you need more than general guidance but aren't ready for comprehensive financial advice, Quilter Invest could be the right fit. It's often ideal for individuals and families at the beginning of their investment journey. With no advice or subscription fees, you can manage your ISA, SIPP, savings accounts and general investment accounts through a simple, easy-to-use app, anywhere in the world.

If you need somewhere to 𝐦𝐚𝐧𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲, 𝐢𝐧𝐯𝐞𝐬𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞 and 𝐦𝐚𝐤𝐞 𝐢𝐧𝐟𝐨𝐫𝐦𝐞𝐝 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬, and don’t need full advice, there’s a great solution, which we can talk you through. Drop us a message and we’ll help you achieve one of the lowest platform rates available (currently from 0.10% annually)*.

If your needs become more complex, we're 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐰𝐢𝐭𝐡 𝐭𝐡𝐚𝐭 𝐭𝐨𝐨, because at Pivotal, it’s not about how much money you have. 𝐈𝐭’𝐬 𝐚𝐛𝐨𝐮𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞, 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐠𝐨, 𝐚𝐧𝐝 𝐟𝐢𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐠𝐞𝐭 𝐭𝐡𝐞𝐫𝐞.

*Correct at time of publishing
Approver Quilter Financial Services Limited August 2026.