Burt Financial Planning Ltd

Burt Financial Planning Ltd Burt Financial Planning is a family-run financial advisory business based in East Lothian.

We provide clients with local, professional, trusted, face-to-face financial advice.

Here’s a question I think everyone in their 50s should ask themselves... 🤔“If I stopped working today, how long could my...
09/06/2026

Here’s a question I think everyone in their 50s should ask themselves... 🤔
“If I stopped working today, how long could my current lifestyle continue?”

It’s a simple question.

But it can really make you think.

Would your savings last long enough?
Would your pension give you the income you need?
Could you still enjoy the lifestyle you’ve worked hard to build?

Retirement isn’t just about when you stop working.

It’s about knowing whether your money can support the life you want.
And the sooner you ask that question, the more time you have to make a plan.

At Burt Financial Planning, we help people understand where they stand, what their options are, and how to plan with confidence.

https://loom.ly/clAcNts to find out more.

Less than a year to go until a major change to Inheritance Tax.From the 6th of April 2027, unused pension funds and deat...
05/06/2026

Less than a year to go until a major change to Inheritance Tax.

From the 6th of April 2027, unused pension funds and death benefits are expected to be included as part of your estate for Inheritance Tax purposes. For many families, this could mean that wealth previously passed on tax-efficiently may become subject to the standard 40% Inheritance Tax rate.

For years, pensions have been viewed as one of the most effective tools for passing wealth to future generations. These changes could significantly alter how retirement and estate planning strategies are structured.

With the deadline now firmly on the horizon, it's an important time to understand what these changes may mean for your family, your pension, and the legacy you hope to leave behind.

The rules may be changing, but careful planning remains one of the most powerful ways to protect family wealth across generations.

Learn more about retirement, estate and inheritance tax planning at: burtfinancialplanning.co.uk

How did the Iran war work out for the average investor? Pretty well… if they stayed invested.When the conflict began, ma...
04/06/2026

How did the Iran war work out for the average investor?
Pretty well… if they stayed invested.

When the conflict began, markets reacted exactly as you’d expect.
Uncertainty rose.
Prices fell.
In many cases, stock markets dipped close to correction territory—around 10%.

But then what happened?

Markets did what they’ve historically always done.
They recovered. 📈

In fact, global equities have bounced back strongly, even reaching record highs in some areas despite ongoing uncertainty.

So what about the regular investor?

If you were investing monthly throughout that period…
You didn’t panic.
You didn’t try to time the market.

You simply bought more when prices were lower, quietly improving your average along the way.

That’s the power of consistent investing.

It removes emotion.
It embraces volatility.
And it turns short-term drops into long-term opportunities.

At Burt Financial Planning, we focus on building plans that work through uncertainty, not around it.

https://loom.ly/clAcNts

Lost track of your pensions? You’re not alone…Adding up multiple small pensions, each with different benefits, can feel ...
29/05/2026

Lost track of your pensions? You’re not alone…
Adding up multiple small pensions, each with different benefits, can feel like a maths exercise you didn’t sign up for.

Every year, you try to make sense of it… And often end up feeling more confused than when you started.

Over time, pensions can become scattered across different providers, making it harder to see the full picture and plan effectively.

Consolidating your pensions brings everything into one place, giving you clarity, control and a clearer view of your future.

Burt Financial Planning, we make managing your pensions simple and stress-free.
Our clients have everything in one place - https://loom.ly/clAcNts

June year-end approaching? It’s decision time for business owners.For many UK limited companies incorporated in June, a ...
26/05/2026

June year-end approaching? It’s decision time for business owners.
For many UK limited companies incorporated in June, a 30th June year-end is a common accounting reference date.

Which means right now… things get busy.

We’re working closely with business owners and their accountants, reviewing the numbers and making sure nothing is left to chance.

Because this isn’t just about closing the books.
It’s about making informed decisions that can have a real impact.

From pension contributions to profit extraction strategies, this is the time of year when smart planning can help maximise tax efficiency and strengthen your long-term position. 💡

The earlier these conversations happen, the more options you have.

https://loom.ly/clAcNts

What do you want your legacy to be for your grandchildren? 👶It doesn’t always have to be a large lump sum later in life....
22/05/2026

What do you want your legacy to be for your grandchildren? 👶
It doesn’t always have to be a large lump sum later in life.

Sometimes, it’s the small, consistent steps taken early that make the biggest difference.

£50–£100 a month from the day they’re born could grow into something meaningful…

A house deposit at 25 🏡
Support with university fees at 22/23 🎓
Or even that once-in-a-lifetime gap year travelling the world 🌍

It’s not just about money.
It’s about giving them options, opportunities, and a stronger start in life.

With the right planning, a modest monthly contribution today can become a powerful legacy tomorrow. ✨

https://loom.ly/clAcNts

You forget how powerful a first meeting can be… Last week, we sat down with a new client for the very first time.And it ...
21/05/2026

You forget how powerful a first meeting can be…

Last week, we sat down with a new client for the very first time.
And it was a reminder of just how much weight people carry when it comes to their finances.

Uncertainty around pensions.
Questions about the future.
A sense of “Am I doing enough?”

As we talked things through and started building a clear plan, you could see the change.
The strain on their face began to melt away.

Because suddenly, things made sense. 📊

Their pensions weren’t just numbers scattered across providers anymore…
They became part of a structured plan, working towards a clear and confident future.

That’s the difference a proper plan makes.
Clarity replaces confusion. Confidence replaces doubt.

https://loom.ly/clAcNts to learn more.

How do you plan for retirement… when you don’t even know what it looks like?In your 30s and 40s, the future isn’t always...
14/05/2026

How do you plan for retirement… when you don’t even know what it looks like?
In your 30s and 40s, the future isn’t always clear.

Will you slow down and reduce hours?
Work until 65 or even 70?
Or completely change careers in your 50s?

The reality is, retirement today isn’t a fixed date… it’s flexible.

And that’s exactly why planning matters.

Because one thing is certain:
If you don’t plan, you’ll likely have to keep working.
If you do plan, you’ll have the option to choose. 💡

At Burt Financial Planning, we don’t claim to predict your future.

But we do build plans that give you flexibility, freedom, and real alternatives, whatever path you decide to take.

https://loom.ly/clAcNts

Overpay your mortgage or invest? 🤔ISA or pension? 📊If these questions are running through your head but nothing is happe...
12/05/2026

Overpay your mortgage or invest? 🤔
ISA or pension? 📊

If these questions are running through your head but nothing is happening, you’re certainly not alone.

The reality is, the answer isn’t always straightforward. What works for one person may not be right for another. It depends on your goals, your timeline, and how you want your money to work for you.

Overpaying your mortgage might offer security and reduce long-term interest, while ISAs can provide flexible, tax-efficient access. Pensions, on the other hand, are powerful tools for long-term planning with valuable tax advantages.

The key is understanding how these options fit together as part of a bigger financial picture.

At Burt Financial Planning, we help make sense of these decisions, bringing clarity to complex choices so you can feel more in control of your future.

https://loom.ly/clAcNts



Graphic

Mortgage Freedom or Wealth Growth: Which Comes First?

Think inheritance tax won’t affect you? You might be closer than you think… 🤔Rising property prices + frozen tax thresho...
08/05/2026

Think inheritance tax won’t affect you? You might be closer than you think… 🤔
Rising property prices + frozen tax thresholds = more families being caught out.

It’s not just your home either.
Savings, investments, and even some pensions can all form part of your estate.

The challenge?
By the time inheritance tax is calculated, options are often limited.

A quick sense-check today could make a real difference tomorrow:
✔ Understand your estate value
✔ Spot potential risks early
✔ Make things simpler for your loved ones

👉 Read the full article here: https://loom.ly/NuMiBX0

Address

36 Market Street
Haddington
EH413JE

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441620282150

Website

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