Lexington Wealth

09/06/2026

What does a great discovery meeting actually look like?

It's one of the most important conversations you'll ever have with a client, yet it's something many financial planners are still refining.

On Thursday 11th June at 2pm, Warren Shute CFP will be a guest on the PrestwoodTruth Financial Planning Mentoring webinar to share how he approaches discovery meetings after more than 30 years in the profession.

The session will cover:

• How to conduct a discovery meeting
• How long it should last
• What preparation should be done beforehand
• What happens afterwards

If you're a financial planner looking to build deeper client relationships and improve your planning process, this is one not to miss.

Register via the link below 👇

Join multi-award-winning Financial Planner Warren Shute, CFP, as we explore ways in which we can all grow as financial planners. In this session, we will take a journey through a number of topics, including: > How to conduct your discovery meeting > How long should it last? > What preparation should...

05/06/2026

We've helped clients plan their futures for years....
Now we can help them find the car park too. 🚗😜

What do you think of our new visitor parking sign?

03/06/2026

With the office move to Siddington, we now have a new office phone number:
☎️ 01285 425863

If you need us, we're just a phone call away.

01/06/2026

Over 20 years ago, Gary and Caron were introduced to Lexington by a friend and initially came to us for advice on an endowment mortgage.

More than two decades later, they're still clients.

One thing they touch on in this video is that financial planning isn't just about investments, pensions or money.
It's about understanding people.

Their goals, their concerns, what they want life to look like, and helping them make informed decisions along the way.

Thank you to Gary and Caron for sharing their experience and for trusting us to be part of their journey for over 20 years.

To find out more about Lexington Wealth visit:www.lexingtonwealth.co.uk

29/05/2026

We are delighted to welcome James Castle to the Lexington team 👋
James will be training to become a chartered financial planner, with his initial role working as an Associate Client Account Executive, where he’ll be supporting both the team and our clients.

💬 "I am an active family man who loves to run regularly across the Wessex Downs to stay fit, healthy and clear-headed. I dedicate a significant amount of time to personal development and continuous learning, balancing my professional ambitions with enjoying as much quality time with my family as possible.

I am drawn to financial planning because it perfectly combines the technical challenge of building robust financial frameworks with the deeply rewarding human impact of helping families secure their futures. Having navigated my own financial journey, I want to empower others to achieve true financial independence so they can live life by design.

Lexington’s "Life by Design" philosophy aligns with my personal values. Warren’s devotion to the profession and the opportunity to learn from him and the wider team gives an elite mentoring environment. Having thoroughly researched and compared various firms, Lexington’s high expectations for an advisor’s technical skillset before they begin advising strongly appeals to my own high standards.

The firm's focus on creating the best overall picture for the client, rather than maximising client volume or product sales, is exactly the kind of culture I want to be a part of.

One thing I wish everyone knew about money? Give yourself the time and goal to build a sensible cash buffer and if you want to change, measure it. The mental and financial freedom it gives you is invaluable.

And a fun fact about me - Regular yoga routines keep me young!"

26/05/2026

Spring has a way of clarifying things and right now, after a few years of persistent noise, the economic picture is finally starting to cooperate.

UK inflation has eased to 2.8%, coming in below expectations, and the FTSE 100 has pushed through the 10,000 mark for the first time.

Neither of those felt likely this time last year.

There’s still plenty to keep an eye on, particularly on the political front, but the mood has shifted.
And we think that matters.

20/05/2026

In the latest Finance Geeks Podcast, Warren and Paul discuss how AI can help planners and add value to clients, as well as its disadvantages.

Listen here - https://youtu.be/7-4U6CqIWfo?si=9k4jgzPLlojnz93h

18/05/2026

We shared the SPIVA S&P indices versus active graphic a few months ago… so what’s changed?

If you look at Europe (the closest comparison for UK investors):
👉 Back in February, around 72% of funds were underperforming over 1 year
👉 Now, that number has risen to 82%

So more fund managers are falling behind the market than before.
And when you look over longer timeframes, it’s even clearer.

Around 9 out of 10 funds are still underperforming over 3 and 5 years.
So while the numbers move around a bit, the overall message doesn’t really change.
Beating the market consistently is very difficult.

Which is why for many investors, the focus isn’t on trying to pick the winning fund…it's building a well-structured portfolio and sticking with it over time.

14/05/2026

Many people use life assurance to cover a potential inheritance tax bill, so their family doesn’t have to find the money at a sensitive and emotional time.

But how that policy is structured matters.

Instead of one large policy sitting in one trust, it can sometimes be more efficient to split this into a number of smaller policies, each held in its own trust and set up separately.

Each trust is assessed individually over time, which can reduce the tax that builds up inside them if they run for many years.

It’s a more technical approach (often called Rysaffe planning), but the principle is to structure things properly now to avoid unnecessary tax later.

It’s not right for everyone, and it does add complexity, but for larger estates it can make a meaningful difference.

As with most areas of planning, it’s less about the product… and more about how it’s set up.

12/05/2026

The DWP is now taking a closer look at how trusts are used when assessing eligibility for Universal Credit.

In some situations, transferring money into a discretionary trust could be viewed as deliberately reducing assets in order to qualify for benefits. If that’s the case, the DWP may still treat the person as having access to that money when calculating entitlement.

Regular payments received from a trust must also now be declared as “unearned income”, which could reduce the amount of Universal Credit received.

Importantly, these changes do not apply to personal injury trusts, which continue to be disregarded. Income from some disabled person’s trusts may also still be ignored.

Trusts can still play an important role in financial planning, but the rules around benefits are becoming more closely scrutinised.

Anyone receiving Universal Credit and considering placing assets into trust, or redirecting an inheritance into one, should take professional advice first.