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Compton Financial Services Professional, friendly and local Chartered Financial Adviser and mortgage broker.

What I wish I'd known before I retiredRetirement is often imagined as a chance to relax, travel and spend more time with...
16/10/2026

What I wish I'd known before I retired
Retirement is often imagined as a chance to relax, travel and spend more time with family. New research suggests the reality can be more financially demanding than expected. Nearly a third (31%) of retirees say their standard of living is now worse than before they retired, compared with 20% who say it has improved. Their retirement regrets offer some useful lessons for anyone still saving.What retirees say they wish they had done differentlyRegretted not saving regularly during working life30%Wished they had started pension saving earlier29%Underestimated how much money they would need17%Did not expect retirement to last as long as it has16%Wished they had planned more thoroughly16%Wished they had converted pension savings to income better12%Source: research by the Phoenix Group for Standard Life, based on an Ipsos survey of 6,000 UK adults (June 2025) and an Opinium survey of 4,000 UK adults (January 2026), both weighted to be nationally representative.

Retirement regrets are common: nearly a third of retirees say their standard of living is worse. See the lessons they would pass on.

First-Time Buyers Share Their Experience: “We Never Felt Like Just Another Client”Buying your first home can feel daunti...
13/10/2026

First-Time Buyers Share Their Experience: “We Never Felt Like Just Another Client”
Buying your first home can feel daunting, particularly when you have already spoken to mortgage brokers and struggled to find the advice and support you need.

We recently received a wonderful five-star Google review from a couple buying their first home. Their experience highlights something we believe is fundamental to good mortgage advice: taking the time to understand clients, explaining their options clearly and supporting them throughout the process.

From uncertainty to confidence

Before approaching us, the couple had already spoken to several mortgage brokers. Unfortunately, those experiences had left them unsure whether they would find the right support to help them buy their dream home.

That changed when they started working with Martin and Kim. As they explained in their review:

“Then we found Martin and Kim, and what a difference they made!

A first-time buyer couple share their five-star Google review: thorough, responsive mortgage advice after losing confidence with other brokers.

Autumn Budget 2026 Tax Watch: What Could Change on 28 OctoberChancellor John Healey delivers his first Autumn Budget on ...
11/10/2026

Autumn Budget 2026 Tax Watch: What Could Change on 28 October
Chancellor John Healey delivers his first Autumn Budget on 28 October 2026. Prime Minister Andy Burnham has committed to Labour's manifesto pledge not to raise the main rates of Income Tax, National Insurance or VAT. But with spending pressures high and limited room under the fiscal rules, that does not mean taxpayers are off the hook. Here is what could be on the table, and what you can sensibly do before Budget day.

Why the main tax rates being ruled out doesn't mean no tax rises

With the three biggest taxes off limits, attention has shifted to other sources of revenue: wealth, investments, property and pensions. Expect plenty of predictions between now and 28 October. Most of them remain speculation, and nothing is confirmed until the Chancellor stands up.

Capital Gains Tax could come under scrutiny

Capital Gains Tax (CGT) is one of the most talked-about areas.

Autumn Budget 2026 is on 28 October. What could change for capital gains, inheritance tax, pensions and frozen thresholds, and how to prepare now.

Financial Review: Life Events That Trigger a Review 2026Life rarely stands still. Major milestones, unexpected changes a...
09/10/2026

Financial Review: Life Events That Trigger a Review 2026
Life rarely stands still. Major milestones, unexpected changes and new opportunities can significantly affect your financial wellbeing. While many people do financial review only when a problem arises, a proactive approach can help ensure your plans remain aligned with your circumstances and long-term goals.

A financial review is not simply about checking investment performance or monitoring savings. It is an opportunity to assess whether your financial strategy still aligns with your current needs and future aspirations. Certain life events can prompt you to revisit your plans and make any necessary adjustments.

Career changes and income shifts

A new job, a promotion, redundancy or a decision to become self-employed can all affect your financial position. Changes in income may create opportunities to increase savings and investments, but they may also require adjustments to spending habits and financial priorities.

The key life events that trigger a financial review and learn how understanding your options can help you make informed financial decisions.

Inheritance Tax Planning: How Families Can Save Their WealthInheritance Tax Planning for your death is unlikely to be a ...
25/09/2026

Inheritance Tax Planning: How Families Can Save Their Wealth
Inheritance Tax Planning for your death is unlikely to be a cheery task to tick off your to-do list, but as the rules keep changing and tax thresholds remain frozen, tackling it is more important than ever. Families paid a record £8.5 billion in Inheritance Tax (IHT) in the 2025/26 tax year, 3.6% higher than the £8.2 billion paid the previous year, according to HM Revenue & Customs.

The Office for Budget Responsibility estimates that the government will raise £14.5 billion a year by the 2030s, suggesting that more estates are being brought into the tax net. Against this backdrop, even simple planning errors can prove costly. Many families unknowingly reduce the wealth passed on to loved ones by overlooking key exemptions, misunderstanding gifting rules or failing to plan early enough.

Why families are losing wealth to Inheritance Tax Paning and discover practical strategies to protect family’s assets and reduce tax burden legally

Long-Term Investing: Why Staying The Course Matters During Geopolitical UncertaintyLong-term investing: Geopolitical con...
28/08/2026

Long-Term Investing: Why Staying The Course Matters During Geopolitical Uncertainty
Long-term investing: Geopolitical concerns and the importance of staying the course

Geopolitical events, such as those in the Middle East, often introduce uncertainty into global markets, affecting energy prices, trade routes and investor sentiment. While these events can be unsettling, reacting impulsively may lead to missed opportunities and unnecessary losses.

History shows that markets are resilient in the face of geopolitical turmoil. Although short-term volatility is common, long-term investors who remain disciplined and diversified are better positioned to weather challenges and benefit from eventual recoveries.

Compounding Is The Key To Success

Investors often debate whether to keep their money in assets like stocks and property or move it into cash. Decades of market history reveal that holding investments over the long-term investing consistently delivers reliable outcomes for wealth creation.

The power of compounding is a cornerstone of investment success.

Geopolitical events can unsettle markets, but history shows investors who beleives in long-term investing and diversifying investments gains results

Investing An Inheritance: Making Informed Decisions To Secure Your Financial FutureReceiving and Investing an inheritanc...
21/08/2026

Investing An Inheritance: Making Informed Decisions To Secure Your Financial Future
Receiving and Investing an inheritance can be a life-changing moment, often accompanied by a mix of emotions. While it may provide financial security or the means to realise long-held dreams, it can also bring uncertainty about how best to manage this newfound wealth. For many, the responsibility of making the right decisions can feel overwhelming, especially when faced with a range of options and potential pitfalls.

This is why taking a thoughtful, informed approach is so important. Whether you’re looking to pay off debts, invest for the future or support your family, understanding your financial priorities and seeking professional advice can help you make the most of your inheritance. Here’s what you need to consider to navigate this process with confidence.

Start With A Financial Overview

Before making any decisions, it’s essential to assess your full financial position.

Investing an inheritance? How to invest wisely, avoid common mistakes, make informed decisions to secure financial future with professional advice.

Safeguarding Your Future: Why Income Protection Is Essential For UK WorkersIn the current economic climate, income prote...
03/08/2026

Safeguarding Your Future: Why Income Protection Is Essential For UK Workers
In the current economic climate, income protection or financial stability seems more out of reach than ever for many households across the UK. Recent research reveals a significant gap between our desire for security and the actions we actually take to attain it. Half of the UK’s workforce admits they would feel much more financially resilient if they had cover in place to protect their income should they be unable to work due to illness or injury.

Despite recognising its importance, a significant gap remains. Only 27% of UK workers currently have an Income Protection policy. This gap shows that while we understand the concept of a safety net, far too few have actually established one. Income Protection is often regarded as a luxury or an afterthought, but the data demonstrates it should be an essential part of modern financial planning.

Complex Web Of Financial Reliance

The importance of this type of cover becomes evident when we consider who depends on our income.

Only 27% of UK workers have income protection. Why an income protection policy is essential to safeguard against illness, injury, financial hardship.

The Self-Employed Pension Gap: Are You Sleepwalking Into A Crisis?Do you know what is self-employed pension gap?Some fre...
29/07/2026

The Self-Employed Pension Gap: Are You Sleepwalking Into A Crisis?
Do you know what is self-employed pension gap?

Some freelancers are neglecting their financial future, according to new research: nearly two-thirds of self-employed and freelancers are failing to save enough for retirement. The findings reveal that a significant proportion of this workforce are not prioritising their financial future, leaving them vulnerable in later life.

While the freedom of being your own boss is attractive, it often comes at the cost of the safety net provided by traditional employment.

Without a workplace pension scheme to automatically enrol in, many independent workers push retirement planning to the bottom of their to-do list. The immediate pressures of cash flow, tax returns and finding the next client often take precedence over retirement, which feels decades away.

A Growing Disconnect Between Intention And Action

The data paints a worrying picture for this part of the UK’s economy.

Nearly two-thirds of self-employed workers are failing to save enough for retirement. Discover why self-employed pension gap is growing, what to do

Unretiring: Do The Financial Reality Of Retirement Fallen Short Of Expectations?‘Unretiring’ is reshaping our understand...
24/07/2026

Unretiring: Do The Financial Reality Of Retirement Fallen Short Of Expectations?
‘Unretiring’ is reshaping our understanding of later life: Has the financial reality of retirement fallen short of expectations?

Amid rising living costs and market uncertainty, ‘unretiring’ is a growing trend. Research shows that one in six retirees (16%) have either returned to work (8%) or are strongly considering doing so (8%). While some return for personal fulfilment, 24% cite loneliness or social disconnection as key reasons.

Financial pressures remain a primary driver: 30% of retirees report a lower standard of living than before retirement, while only 22% say it has improved. Many feel underprepared, with 20% underestimating how much money they would need, 21% wishing they had planned better and 19% failing to anticipate the length of their retirement.

Impact Of Inflation On Spending Power

Inflation has significantly eroded retirees’ spending power. For example, £100 in 2020 is now worth only £78.25 in real terms.

One in six retirees returned to work. Know why unretiring is a growing trend in the UK & how proactive retirement planning avoid financial shortfalls

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London

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Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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+442086112521

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