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Independent Financial Adviser - Jordan Newbold

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Independent Financial Adviser - Jordan Newbold

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Thank you for viewing my page, if you require help with Insurance, Investment advice, Pension advice

I am Jordan Newbold, JMN Financial is a sub company of Financial Design (IFA) Ltd. I am a Financial Adviser based in Kenilworth

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03/11/2026

I’ve been reviewing the numbers on something I’ve already started doing for my children.

I’ve started putting £80 a month into a pension for each of them. With basic-rate tax relief, that’s £100 a month actually being invested.

But here’s the plan…

I’ll give them the financial head start by funding the early years. When they’re older and earning their own money, the idea is that they take over the same contributions and keep the momentum going right through to retirement.

So what could that look like?

Let’s assume:

* £100 a month invested.
* I fund the first 30 years.
* They take over and continue contributing until age 60.
* An average annualised investment return of 7%.

The projected numbers are pretty incredible:

👦 J, who is currently 2, could have around £877,000 by age 60.

👧 G, currently 6, could have around £665,000 by age 60. (Sorry little one, you got shafted 😅)

Combined, that’s potentially over £1.54 MILLION in pension wealth.

And the interesting thing? I’m not suggesting I fund their entire retirement. I’m giving them a head start and hopefully instilling the habit of investing for their future.

That’s the power of compound growth.

It’s not about being wealthy today. It’s about making decisions early, being consistent and giving yours and their money decades to work.

Imagine being 18, 21 or 25 and already having a pension that’s had years to grow.

What a head start that could be!

Obviously, 7% is an assumption, not a guaranteed return, and these figures don’t account for fees or inflation. But it certainly makes you think.

Just think, I’ll still be buying their dinner at age 70 😂…

The best time to start investing was yesterday. The next best time is today. ❤️

—-

The figures shown are for illustrative purposes only and are not guaranteed. The assumed 7% annual investment return is not a prediction of future performance. The value of investments can fall as well as rise, and your child may get back less than has been invested. Returns are not guaranteed and actual outcomes will depend on investment performance, charges and inflation. Tax treatment and pension rules may change in the future. Pension access is subject to applicable legislation and minimum pension age rules.

16/10/2026

Anyone else been up since 4AM with the kids? 🫠😂☕️

I love them more than anything… but at 4AM? Let’s just say the love is being tested! 🤣❤️

And that’s exactly why I’m planning ahead for their future whilst they’re busy destroying my sleep schedule! 🙈😂

I personally save into a Junior ISA AND a Junior Pension for both of my kids 💷📈

Because as much as they drive me absolutely crackers now, I want them to have options, opportunities and a head start in life when they’re older. ❤️

They might be taking years off my life with these early mornings, but hopefully I’m adding years of financial freedom to theirs! 😂🙌

Investing in their future, one sleepless night at a time. 🥹💰

Tell me I’m not the only parent questioning their life choices at 4AM?! 👇😂

30/09/2026

💷 £4.5 MILLION ESTATE. £1.8 MILLION POTENTIAL IHT LIABILITY.

This is why Inheritance Tax planning should never be left until it’s too late.

As a Financial Adviser, these cases are always really interesting to work on. I’m currently working with a client whose estate is worth approximately £4.5 million.

Without appropriate planning, the potential Inheritance Tax liability is approximately £1.8 million…. 🤢

That’s a significant amount of wealth that could potentially leave the family and go to HMRC.

But with careful, structured estate planning, we are working towards significantly reducing that liability.

📉 The projected position:

➡️ Current potential IHT liability: £1.8m

➡️ After approximately 2 years of planning: ~£1m

➡️ After approximately 7 years: ~£250k

That represents a potential reduction of around £1.55 million in the projected IHT liability.

And this demonstrates one of the most important principles of estate planning:

⏳ TIME MATTERS.

The earlier you start planning, the more options you may have available.

HMRC received approximately £8.5 billion in Inheritance Tax during 2025/26, demonstrating just how significant IHT has become for UK families.

For those with substantial estates, having a Will alone may not be enough.

Effective estate planning can involve looking at your assets, family circumstances, beneficiaries, gifting strategies, trusts and the relevant tax rules — all with the aim of passing more of your wealth to the people you want to benefit from it.

£4.5m of assets doesn’t necessarily have to mean a £1.8m IHT problem.

The key is to start the conversation early.

📍 Financial Design — Kenilworth

📞 07894 990677
☎️ 01926 748025
📧 [email protected]

If you believe you or your families estate could be exposed to a significant Inheritance Tax liability, let’s start planning before it becomes a problem.

25/09/2026

🚙

Today, I travelled to someone’s home, taking time out of my working day, only to be told as I knocked on the front door, 45 minute drive later, that they no longer required my help — before I’d even had the opportunity to properly explain what I could offer.

I completely understand that circumstances change, and sometimes people decide that a service isn’t right for them. That’s absolutely fine.

But for a small business, there’s a bigger picture behind that appointment.

🚗 Travel time
⏰ Time set aside in my diary
⛽ Fuel and travel expenses
💼 Potential work I could have booked during that time
📅 The time spent preparing for the appointment

When I commit to coming to your home, that time has been reserved specifically for you. It means I’m unavailable to take on other work during that period.

I’m always happy to have an honest conversation and answer questions before an appointment. If you’re unsure whether you need my service, please just ask — I’d much rather have that conversation beforehand than spend time and money travelling out unnecessarily.

Small businesses are businesses, but they’re also people. Our time has value too. ❤️

Please remember that when booking with a small business, your appointment represents much more than the time you see on the clock.

17/09/2026

💷 £330,000 inheritance tax bill… reduced to ZERO.

I’m currently helping an individual who was facing a potential £330,000 inheritance tax bill for their beneficiaries.

The good news?

With the right planning, there’s a strategy in place that would reduce that liability to £0 over the next two years.

This is exactly why inheritance tax planning shouldn’t be left until it’s too late.

It’s not about trying to avoid tax — it’s about understanding the rules, planning ahead, and making sure more of what you’ve worked hard to build can ultimately go to the people you want it to.

The Gov made around 7 billion last tax year in IHT receipts, because people do not plan!!

If your families estate could potentially be affected by inheritance tax, a conversation today could make a significant difference to your family’s future.

📩 If you’d like to understand what planning options may be available to you, get in touch.

Individual circumstances vary and tax treatment depends on current legislation. Professional advice should be sought before taking action.

18/07/2026

Annual leave is on.

Office is still open & working sufficiently behind the scenes!

Whilst I am away, feel free to call the office on 01926 748025.

See you in 2 weeks 👋🏻 🇬🇷

09/06/2026

🚀 6 months as a Director… where has that gone?!

It’s hard to believe that 6 months ago I was promoted to Director.

Looking back, it’s been an exciting period of growth 📈, new opportunities 🤝, and most importantly, helping more clients and their families achieve their financial goals.

The next exciting chapter? We’re looking to grow the team! 🎉

We’re currently exploring bringing a new team member on board in the near future. While we haven’t made a final decision on who that will be just yet, it’s a fantastic position to be in and a reflection of the growth we’re experiencing as a business 🌱.

Most importantly, this growth means we can continue to enhance the service we provide, offer even more support to our clients, and ensure we’re well-positioned for the future ⭐.

A huge thank you to all of our clients, professional connections, and those who continue to trust and recommend us 🙏. Your support is what makes growth like this possible.

Here’s to the next 6 months! 🍾🥂

💼📊📈

28/05/2026

Will AI take over our jobs….

This was sent to me by a client, had to share 😂

14/05/2026

*It’s been a while since I last posted…*

The truth is, the last month has been non-stop.

Between client meetings, reviews, paperwork, market conversations, family life, and trying to keep on top of everything else that comes with running around all day — social media took a back seat.

Behind the scenes, the focus has been where it should be:

Helping clients make better financial decisions, putting plans in place, and giving people clarity during uncertain times.

Also… Sleep training my 1 year old - it’s working…. 🤞🏻 👶🏼

A reminder that good financial planning isn’t about reacting to headlines or chasing trends — it’s about having a clear plan and sticking to it.

If you’ve been putting off sorting your finances, pensions, investments, protection, or just want a second opinion on where you stand, feel free to drop me a message.

Feel free to share this post 😄

Hope everyone’s had a good month 👊

Address

Whateley's Drive
Kenilworth
CV82LE

Opening Hours

Monday	9am - 8pm
Tuesday	9am - 8pm
Wednesday	9am - 8pm
Thursday	9am - 8pm
Friday	9am - 8pm

Telephone

+447894990677

Website

https://www.financial-design.co.uk/

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