FB Wealth Management

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FB Wealth Management Whether you are seeking to build an investment portfolio or create a tax-efficient retirement strateg

We have provided independent financial advice to private individuals, business owners and their employees for over 30 years and have built an excellent reputation amongst our many loyal clients. As a firm we believe that no challenge is too great and we strive to provide solutions to even the most complex of financial planning needs. All of our advisers are qualified to at least the minimum standard set out by our regulator with many qualified to a higher standard including chartered financial planner status, the highest level of qualification set out by our profession.

3 ways business owners could plan for the unexpected:1. Have an emergency fund you can use to pay for short-term outgoin...
16/10/2026

3 ways business owners could plan for the unexpected:

1. Have an emergency fund you can use to pay for short-term outgoings
2. Take out appropriate financial protection
3. Register a Lasting Power of Attorney

Read our blog, linked below, to find out more about how you could protect your business.

https://fbwealth.co.uk/3-ways-business-owners-could-plan-for-the-unexpected/

Could Capital Gains Tax take more of your wealth than you expect?According to the Office for Budget Responsibility, HMRC...
14/10/2026

Could Capital Gains Tax take more of your wealth than you expect?

According to the Office for Budget Responsibility, HMRC is forecast to collect £29.8 billion in Capital Gains Tax by 2030/31, more than double the £13.7 billion collected in 2024/25.

With the Annual Exempt Amount now just £3,000 and tax rates higher than they were a few years ago, more people could find themselves with a bill when disposing of investments, property, or other assets.

Read our latest blog, linked below, to discover 5 ways you might reduce a future Capital Gains Tax liability.

https://fbwealth.co.uk/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

3 psychological reasons you might prefer cash to investments:1. Market movements can make investing feel uncertain2. The...
12/10/2026

3 psychological reasons you might prefer cash to investments:

1. Market movements can make investing feel uncertain
2. The fear of losing money could mean you favour cash
3. Cash is tangible, which may make it feel safer

Read our blog, linked below, to learn more about why cash might feel safer, and the potential impact of overlooking investing.

https://fbwealth.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

Are you financially supporting your adult children?Stagnant wages, the rising cost of living, and difficulties getting o...
09/10/2026

Are you financially supporting your adult children?

Stagnant wages, the rising cost of living, and difficulties getting on the property ladder mean younger generations are finding it difficult to achieve financial security.

Updating your financial plan could help you understand the impact supporting your loved ones has on your finances now, as well as in the future.

Read our blog, linked below, to learn more.

https://fbwealth.co.uk/are-you-supporting-adult-children-heres-why-it-should-be-part-of-your-financial-plan/

Retirement is a major life event that most people spend years planning and looking forward to.And yet, research by Money...
07/10/2026

Retirement is a major life event that most people spend years planning and looking forward to.

And yet, research by Moneybox reveals that 43% of over-55s have never discussed their retirement finances with anyone, and just 44% have spoken about them to a partner or spouse.

This could leave couples with different expectations about when they will stop working and what their retirement will look like. It may also lead to missed opportunities to maximise their retirement income.

Read our blog, linked below, to discover why so many people avoid retirement discussions with their partner, as well as some practical tips for starting this important conversation.

https://fbwealth.co.uk/how-to-approach-retirement-conversations-with-your-partner/

What are you planning to do after you exit your business?Entrepreneurs often find that their personal goals and finances...
02/10/2026

What are you planning to do after you exit your business?

Entrepreneurs often find that their personal goals and finances become entwined with those of the business.

So, once you exit the business, it might feel like starting over from scratch.

Making what comes next part of your exit strategy could make the transition easier and allow the business decisions you make to support your lifestyle goals.

Read our blog, linked below, to discover why selling your business isn't the finish line and how to prepare for what comes after.

https://fbwealth.co.uk/business-owners-selling-your-business-isnt-the-finish-line/

In December 2001, The Lord of the Rings: The Fellowship of the Ring was released in cinemas and wowed audiences with its...
30/09/2026

In December 2001, The Lord of the Rings: The Fellowship of the Ring was released in cinemas and wowed audiences with its epic scenes, superb acting, and attention to detail.

On the 25th anniversary of the new era of Tolkien mania, we're exploring the lasting legacy the celebrated author left behind.

Beyond his astonishing works, he also set up the Tolkien Estate, designed to manage his fortune and ensure his name lived on.

To discover 4 estate planning lessons you could take from J.R.R. Tolkien, click the link below.

https://fbwealth.co.uk/4-estate-planning-lessons-you-could-learn-from-jrr-tolkiens-legacy/

A cashflow model isn't a one-off exercise.It can help you explore questions such as whether you could retire earlier, in...
28/09/2026

A cashflow model isn't a one-off exercise.

It can help you explore questions such as whether you could retire earlier, increase your investments, or pass wealth on to loved ones during your lifetime.

However, it is only as useful as the information it contains.

Read our blog, linked below, to discover 3 times you might benefit from updating your cashflow model.

https://fbwealth.co.uk/why-updating-your-cashflow-model-is-essential-for-staying-on-track/

2 upcoming ISA changes you should be aware of:1. The Cash ISA limit will reduce to £12,000 for under-65s2. Interest earn...
25/09/2026

2 upcoming ISA changes you should be aware of:

1. The Cash ISA limit will reduce to £12,000 for under-65s
2. Interest earned on cash held in non-cash ISAs will be subject to 22% tax

Although ISAs remain a popular and tax-efficient way to save and invest, these changes could affect how you use your allowance from April 2027.

Read our blog, linked below, to find out how the changes could affect you.

https://fbwealth.co.uk/2-upcoming-isa-changes-you-should-be-aware-of/

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26 South Saint Mary's Gate
Grimsby
DN311LW

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Monday 8:45am - 5:15pm
Tuesday 8:45am - 5:15pm
Wednesday 8:45am - 5:15pm
Thursday 8:45am - 5:15pm
Friday 8:45am - 5:15pm

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