David Croft - Financial Advice and Planning

26/03/2026

Last week was a very special one for me.

I had the privilege of delivering a financial wellbeing seminar to my former team at Globus Family of Brands UK. Being invited back in that capacity meant a great deal.

Three years ago, I left to better understand money and help people feel more in control of it. To return and share that with people I know and respect was a genuine honour, I think they call it a full- circle moment!

A huge thank you to Lesley Taylor and Gemma Garvey for the invitation, and to everyone in the team that made me feel so welcome. The warmth in the room and the terrific feedback afterwards really meant a lot.

02/03/2026

Delighted to share that I’ve been awarded 'Top Rated Adviser' status for 2026 by VouchedFor.

This means I’ll feature in the 2026 VouchedFor Guide, (distributed in The Times and The Telegraph!) and I’m really chuffed about seeing my name in print later this year! 📰 ✅

It genuinely feels like a step up, and a great sign I’m moving in the right direction, especially as this is based purely on client feedback and verification.

It wouldn't happen without the wonderful people that have taken the time to leave me those reviews, so a huge thank you to them- total stars! 🌟 🙏

20/02/2026

Delighted to say my latest piece in Travel Weekly UK is live! 🙌

This month I'm shining a light on ISAs - What they are, how they work, and why they’re one of the easiest wins for UK savers and investors- helping you to keep more of what your money earns.

If you've heard of ISAs but felt you should know more then take a look, its a 3 minute read that will really help, especially with the allowances resetting on April 5, 2026.

Just follow the link for the full article:
https://tinyurl.com/mspx4b6d

13/01/2026

Proud moment to share: my first financial advice column has been published in Travel Weekly UK.

Reconnecting with the travel industry through a platform of this stature means a lot. I spent 15 years in travel, and it’s still a world I’ve got huge respect for with the most hardworking, caring people who keep everything moving, especially when the going gets tough.

My aim with the column is simple: clear, practical guidance to help travel professionals make more confident decisions with their money — whether that’s savings, retirement planning, protection, or the day-to-day basics.

Thank you to the Travel Weekly team for the opportunity. More to come!

01/12/2025

Since the budget I've been getting some questions around the change to cash ISAs, the below should help explain how it affects you...

Chancellor Rachel Reeves has announced that the annual cash ISA allowance will fall from £20,000 to £12,000 from April 2027, encouraging savers to explore investment options. https://partnership.sjp.co.uk/article/detail/sjpp/chancellor-cuts-cash-isa-limit-to-promote-investment.html

The headlines are:

- The overall ISA allowance will remain at £20,000, but the cash ISA allowance will be reduced to £12,000

- The change is aimed at driving investment in UK equities

- The cut in the cash ISA allowance will only apply to the under-65s. It will remain at £20,000 for those aged over 65.

With these changes adding more complexity to financial planning, the value of professional financial advice has never been clearer. Get in touch today to see how these changes may affect your savings and investments.

The value of your investment can go down as well as up. You could get back less than you invested. Investments do not provide the security of capital which is characteristic of a Cash ISA.

Cash ISAs are not available through St. James's Place.

Emily Man Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 1/12/25

Chancellor cuts cash ISA limit to promote investment

24/10/2025

As someone guilty of not always celebrating milestones, I'm making a point to enjoy this one!

Just received a ⭐ Certificate of Excellence from VouchedFor after getting 10 consecutive 5/5 reviews.

I know you can get certificates for everything nowadays 😅 so I won't get carried away, but it's been a lovely reminder when things are so busy of just how far I've come- my clients feel looked after, well-informed, and confident in the advice I give, and I'm doing it my way!

I'm especially grateful to those lovely people that took the time to leave a review and enabled me to write this post! 🙌

If you think you'd benefit from a chat, do drop me a message or check my profile at http://vouchedfor.co.uk/financial-advisor-ifa/knightsbridge/073863-david-croft

30/09/2025

"𝐇𝐨𝐰 𝐥𝐨𝐧𝐠 𝐜𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐛𝐞 𝐨𝐟𝐟 𝐰𝐨𝐫𝐤 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮'𝐝 𝐬𝐭𝐚𝐫𝐭 𝐭𝐨 𝐟𝐞𝐞𝐥 𝐭𝐡𝐞 𝐩𝐢𝐧𝐜𝐡?"

Work it out in 3 steps!

1.) Figure your monthly need (mortgage, bills, food, debt, business costs).
2.) Subtract what you’d still get (employer sick pay, SSP, partner income).
3.) Divide your emergency fund by that shortfall = months you’re OK.

A good rule of thumb is 3-6 months as a minimum.
But 𝐝𝐨𝐧'𝐭 𝐩𝐚𝐧𝐢𝐜 if not - it's a good opportunity to take stock of your situation and that's half the battle won!

Plus there are options- 𝐢𝐧𝐜𝐨𝐦𝐞 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 can replace part of your pay if you’re off work long-term, worth a look if you’ve got little sick pay or irregular income.

24/09/2025

An Annuity is one of the options you have at retirement, but can be dependant on interest rates, health, where you live and many other factors!

18/09/2025

With many people's thoughts on the upcoming budget in November it was a privilege to attend Claire Trott's session today on pensions tax at Morningstar UK.

With so many potential changes on the horizon it shows the importance of financial advice in these key moments!

17/09/2025

Not always well publicised, but it's knowing about things like this that can really help you in retirement.