CHN Financial Consultancy

02/11/2026

Chancellor of the Exchequer John Healey delivered his maiden Budget on 28 October, pledging “breathing space for today, fresh hope for the future.”

With cost-of-living challenges a prominent feature of the speech, banks are set to face an additional 3% surcharge (totalling 6%) on their profits for a 15-month period beginning in January 2027, with the Chancellor saying the temporary increase would help fund household support.

Please see a summary of the key announcements and further details shared during the Autumn Budget.

If you would like to discuss any of these subjects further, please get in touch 🗣️

30/10/2026

Some things are better when they’re a little less scary 🎃 👻

🔸 Not knowing whether you are on track for retirement.

🔸 Wondering if your family would be financially secure if something happened to you.

🔸 Putting off conversations about inheritance and estate planning.

🔸 Having pensions and investments in different places without a clear picture of how they all fit together.

Financial planning can involve some big questions, and it is understandable that they sometimes get pushed down the list.

But having a clear picture of where you are now, what you want for the future and the steps you can take to get there can make them feel much more manageable.

No tricks. Just good planning 🎃

28/10/2026

Data released last week showed both government borrowing and UK inflation reached their highest levels in a year.

With John Healey’s first Budget taking place on 28 October, the Chancellor has a tricky challenge ahead of him. Data released last week showed both government borrowing and UK inflation reached their highest levels in a year. The annual rate of UK inflation rose to 3.5% in September, up from 3.1% ...

26/10/2026

How much is enough?

It sounds like a financial question, but the answer is often more about the life you want to lead.

Enough to retire when you want to?
Enough to travel more or work less?
Enough to help your children or grandchildren?
Enough to feel financially secure if something unexpected happens?

There is no single figure that works for everyone.

Financial planning can help turn those ambitions into something more tangible – looking at where you are now, where you want to be and whether you are on track to get there.

Sometimes the most useful place to start is not with your money, but with what you want your money to enable 💡

22/10/2026

💭 Financial myth: “I don’t need financial advice until I’m close to retirement.”

Retirement might be one of the times people naturally think about seeking financial advice, but good financial planning can start much earlier.

Different stages of life bring different decisions. You might be:

🏡 Building savings and investments
👨‍👩‍👧‍👦 Protecting your family financially
💼 Growing a business or planning what comes next
📈 Making the most of pensions and investments
🎯 Working towards greater financial independence

The earlier you understand where you are, where you want to get to and whether you are on track, the more options you may have along the way.

Financial planning means making informed decisions throughout your life not just when you're close to retirement.

21/10/2026

According to the Office for National Statistics (ONS), monthly gross domestic product (GDP) grew by 0.1% in August, following growth of 0.4% in July and June.

19/10/2026

There is still time to sign up for the CHN Financial and Victoria Court Private Clients Charity Pub Quiz Night this November.

We are looking forward to an evening of friendly competition while raising money for two fantastic charities – the Memusi Foundation and Candlelighters.

📅 Wednesday 25 November
📍 Hare & Hounds Pub, Tingley
⏰ Arrive from 6pm for a 7pm start
🎟️ £5 per person | Teams of up to six

We are also still welcoming donations of raffle prizes, so if you or your business can contribute something, we would love to hear from you.

To enter a team or donate a prize, please contact Deanda King at CHN Financial.

15/10/2026

👋 Meet Robert Fayolle APFS, Associate Financial Consultant at CHN.

Rob joined CHN in July 2023 and last year celebrated becoming The Yorkshire Financial Awards Rising Star of the Year 🙌 🌟

💬 What does your role involve?
My role is all about helping clients build and manage financial plans that work for them – whether that is planning for retirement, looking after pensions and investments, putting the right protection in place or helping them achieve their longer-term goals.

Every client is different, which keeps things interesting!

💬 What is your favourite part of working at CHN?
Being truly independent means we can focus on what is right for each individual client. My favourite part is seeing the positive impact good financial planning can have. CHN is also a great company to work for!

🌴 Tell us a fun fact about yourself…
Although it might not be obvious from my appearance, I was born in Mauritius and still have family there. I have a Mauritian passport too, so I get some funny looks when I join the ‘locals’ queue at the airport!

👶 Anything else we should know?
I am also dad to an almost 2 year old, so our daily schedule can quite regularly be turned upside down. If you get an email from me at a strange hour, that is probably why!

14/10/2026

Speaking last week, ahead of the IMF-World Bank Annual Meetings in Thailand, Kristalina Georgieva, IMF Managing Director, said, “The global economy is being pulled in two opposite directions: a negative energy supply shock and a positive demand shock from AI. The combined impact of these two forces is highly uneven across the world.”

Speaking last week, ahead of the IMF-World Bank Annual Meetings in Thailand, Kristalina Georgieva, IMF Managing Director, said, “The global economy is being pulled in two opposite directions: a negative energy supply shock and a positive demand shock from AI. The combined impact of these two force...

13/10/2026

Would your family’s financial plan still work if your income suddenly stopped?

We spend a lot of time planning for the things we want to happen: buying a home, building savings, helping our children and eventually retiring.

It is equally important to think about the things we hope will never happen.

If illness, injury or death meant an income disappeared, would your household still be able to:
• Pay the mortgage or rent?
• Cover everyday bills?
• Maintain savings and longer-term plans?
• Manage existing debts?
• Support children or other dependants?

Protection planning is about understanding those risks and deciding what, if anything, needs to be put in place to protect the financial plan you are building.

It may not be the most exciting part of financial planning, but it can be one of the most important.