TBA Wealth Management

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TBA Wealth Management We are a long established firm of independent financial advisors, offering a professional financial

Optima Financial is a team of dedicated Independent Financial Advisors (IFA’s), serving a wide range of personal and business clients. Separately regulated by the Financial Conduct Authority the business is well established and proud of it’s high service standards befitting a professional accountancy practice. Unlike many IFA businesses and high street banks, we are service orientated not sales driven, and our clients can be confident that we will treat them fairly by putting their needs first.

13/10/2026

When it comes to paying for care, your savings aren’t the only thing that matters.

In England, the key capital thresholds are £23,250 and £14,250, and in some circumstances the value of your home can also be taken into account.

However, there are important exceptions, including situations where a property may not be counted and a 12-week property disregard when first entering permanent care.

Knowing the rules before you need care can help you plan ahead.

28/09/2026

Nobody likes to think about needing care in later life.

But planning ahead isn't about being negative. It's about protecting choices, reducing pressure on loved ones, and ensuring the right support is available if it's ever needed.

This week we're looking at three simple ways to become more "care ready" and why starting earlier is often better than waiting for a crisis.

21/09/2026

A new FCA study has found that 58% of adults have no protection cover, and 59% of those people have never even considered whether they need it. That's a staggering statistic, but one many financial advisers won't find surprising.

Most people spend more time comparing mobile phone contracts than considering what would happen if illness, injury or death impacted their family's finances.

Protection isn't about expecting the worst. It's about making sure the people who depend on you are financially secure if the unexpected happens.

Paying for long-term care can be one of the biggest financial challenges many families face.Yet many people don't fully ...
08/09/2026

Paying for long-term care can be one of the biggest financial challenges many families face.

Yet many people don't fully understand how care is funded until they or a loved one need support.

Understanding the options available and how funding works could help you make more informed decisions for the future.

Read our latest blog to learn more:
https://www.turpinbawealth.co.uk/blog/understanding-long-term-care-funding

06/07/2026

When it comes to planning for later life, one of the biggest misconceptions is that all care is funded by the NHS.

In reality, social care and NHS care are assessed differently. While local authority support is often means tested, some people with complex, ongoing health needs may be eligible for NHS Continuing Healthcare (CHC), which is based on an assessment of their care needs rather than their financial circumstances.

Understanding how care funding works before you or a loved one need support can help you plan ahead, avoid unexpected costs and make informed decisions about the future.

Knowing the difference between NHS care, social care and NHS Continuing Healthcare is an important step in making informed choices for yourself and your family.

There's nothing better than knowing our clients value the advice and support they've received.Here's some recent feedbac...
01/07/2026

There's nothing better than knowing our clients value the advice and support they've received.

Here's some recent feedback we're proud to share.

How much do you know about long-term care? For many people, the answer is "not much" until they need to navigate it for ...
23/06/2026

How much do you know about long-term care?

For many people, the answer is "not much" until they need to navigate it for themselves or a loved one.

Over the coming weeks, we'll be sharing a series of posts and articles covering care costs, funding, means testing and practical steps that can help you prepare for the future.

Our first insight explores the realities of long-term care and why giving the topic some thought sooner rather than later could help you make more informed decisions in the future.

Read the full blog here: https://www.turpinbawealth.co.uk/blog/long-term-care-planning

04/06/2026

What happens to an annuity on death isn’t always well understood.

A common misconception is that annuity income will automatically continue to a spouse or family member. In reality, this depends entirely on how the annuity was set up at the outset.

Options such as joint life cover or guarantee periods must be chosen when the annuity is arranged. If they aren’t selected, income can stop immediately on death, and these decisions can’t be changed later.

This is why it’s important to understand the long‑term implications before an annuity is put in place.

A lot of people aren’t saving enough for retirement, could you be one of them?It’s easy to put it off, but the earlier y...
27/05/2026

A lot of people aren’t saving enough for retirement, could you be one of them?

It’s easy to put it off, but the earlier you take action, the more options you’ll have later.

We’ve shared a short blog with insights to help you better understand where you stand and what you could do next.

Read the blog and take a step towards a clearer plan.
https://www.turpinbawealth.co.uk/blog/almost-half-not-saving-for-retirement

14/05/2026

HMRC has shared more detail on how inheritance tax will apply to pensions from April 2027.
A key change is that personal representatives will need to take “reasonable steps” to identify any pension schemes that may pay death benefits. This could include reviewing records, checking bank statements and online accounts, and speaking with family, advisers and providers.
It places additional responsibility on families at a difficult time, so keeping records up to date and seeking advice early can make things much easier.

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Allen House, 1 Westmead Road
London
SM14LA

Opening Hours

Monday 8:30am - 5:45pm
Tuesday 8:30am - 5:45pm
Wednesday 8:30am - 5:45pm
Thursday 8:30am - 5:45pm
Friday 8:30am - 1pm

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