Ginkgo Financial

27/05/2026

Why employees are flying blind into retirement https://www.thehrdirector.com/features/retirement/employees-flying-blind-retirement/

No pilot would take off without checking fuel, weather, and alternate plans. Yet millions approach retirement with no clear idea if they are on track. A pension statement is not a retirement plan. Employees need visibility, context, and confidence - otherwise they are simply flying blind.

25/05/2026

2029 will come round faster than you think! 2 in 3 using salary sacrifice unaware of 2029 changes https://www.financialplanningtoday.co.uk/news/2-in-3-of-workers-using-salary-sacrifice-unaware-of-2029-changes

Two thirds (63%) of workers currently using salary sacrifice are unaware that it will be capped from 2029, according to a new report.

22/05/2026

Planning ahead isn’t about fear. It’s about care.

Dementia Action Week is wrapping up, but this stuff matters all year round. LPAs, paperwork, making sure your money can adapt if your needs change.

Every family we’ve helped through this says the same thing - they wish they’d started sooner.

Take one step this weekend. We’re here if you want to talk it through. No pressure.

21/05/2026

Is your financial plan built to flex?

£70,000 a year. That’s the average cost of residential dementia care. Could your pension and investment income cover care costs if you needed it to? Would your family know the next step?

We’ve helped many families work through this. It doesn’t have to be stressful - and starting the conversation early makes everything easier.

21/05/2026

Genuinely one of our favourite days of the year. The Chelsea Flower Show didn’t disappoint - again!
Sarah Eberle’s garden ‘On the Edge’ was a real highlight, with Gaia (Mother Nature herself) taking centre stage.
Spotted the fabulous Dame Joan Collins wandering through The Lady Garden too.
And this balcony! Honestly, who wouldn’t want a cuppa up here?

20/05/2026

Would your family know where to look?

If something happened to you tomorrow, could your family find your pensions, savings, insurance details and important paperwork?

We see this all the time. It’s one of the simplest things to fix - and one of the kindest.

We’ve got a free booklet called My Important Documents. Pop into our Blackheath office or message us for a digital copy.

19/05/2026

Have you set up your LPA?

One in five. That’s how few UK adults have an LPA. We’ve seen what happens when families find out too late - it’s slower, harder and more expensive.

An LPA lets you choose someone you trust to make decisions if you can’t. But you need to do it while you’re well.

It takes less time than you’d think. More in our blog - link in comments.

18/05/2026

The step most families wish they’d taken sooner

It’s Dementia Action Week. One in three of us will develop some form of dementia - and there are simple things you can do now to protect yourself and your family.

Our adviser Rachael has written a blog on the steps that make the biggest difference. She’s supported many families through this, and before becoming a financial adviser she worked in older people’s services. This one’s personal.

Read the full blog https://ginkgofinancial.com/what-happens-if-you-cant-manage-money

15/05/2026

One for the diary next week. Join our good friends Rectory Court Care Home and Leah Lodge Care Home plus a host of other amazing organisations, at the Lewisham Dementia Action Group's Coffee Morning - Class Mill Leisure Centre, Monday 18th.

12/05/2026

Some helpful tips from Quilter on how to spot phishing scams and keep yourself safe https://www.quilter.com/news-and-views/all-articles/bt-phishing-scams-how-to-spot-them-and-keep-yourself-safe/

BT phishing scams often involve phone calls and follow up emails designed to gain access to your accounts. Learn the warning signs and how to protect yourself.

11/05/2026

There's still time to secure your spot for tomorrow's Active Retirement event.

You’re planning to stay active in retirement – but have you planned the finances to match? A comfortable retirement for a couple now costs over £60,000 a year. Free panel discussion at Blackheath Sports Club. Open to everyone.

Secure your spot today! https://www.eventbrite.co.uk/e/the-active-retirement-can-your-finances-keep-up-with-your-lifestyle-tickets-1986334944289