Oliver Godwin - Financial Planning Consultant

26/08/2025

Wondering how to manage family finances, inheritance tax, and wills? Few conversations will feel as awkward as asking your parents about their finances. It’s why many families avoid the topic for years or even decades - until a serious illness, incapacity, or bereavement forces it out into the open. If adult children don’t have clear knowledge of key issues like wills, assets, care wishes and legal authority, they can be left making difficult decisions in the dark later down the line. Check out this insightful article from The Independent that sheds light on important considerations for parents.

Quilter is not responsible for the accuracy of this article's information.

Wills, assets, inheritance plans and more - don’t leave it until it’s too late to know

23/07/2025

Take a look at what is happening to interest rates and the latest forecast in this article as the Bank of England held interest rates at 4.25 per cent at its last meeting in June.

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Markets are currently forecasting two further 0.25 percentage point cuts by the Bank of England before the end of the year.

07/07/2025

If you’re thinking about making new financial plans after receiving some unexpected money, speaking to a financial adviser can help you understand all your options. Get in touch if you’d like to chat: https://www.quilter.com/oliver-godwin/

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. May 2025.

23/06/2025

Inheritance tax bills can catch families off guard. Learn about how people are dealing with this financial situation in this article from The I Paper.
Quilter is not responsible for the accuracy of this article's information.

Inheritance tax bills are often complex and come to many families whilst they are in the depths of grieving

16/06/2025

Confused about life insurance? Finding the right level of life cover can be tricky, but it doesn't have to be. Learn how to determine the most suitable amount of coverage for your needs. Read this article from Daily Mail for more information.

Quilter is not responsible for the accuracy of this article's information.

Life insurance isn't the most enticing of purchases but it could end up being the most important one, as it will protect your loved ones if family disaster strikes

27/05/2025

Planning for the future? Learn about the advantages of a Pension ISA and how it can provide a tax-efficient way to pass on your wealth to loved ones. In this feature a reader of the Daily Mail asks whether they should empty their pension into an ISA to avoid the looming 'double tax' on inheritance. Read on to find out the suggestions given on this topic. Ian Cook, chartered financial planner at Quilter Cheviot also gives his views.

Quilter is not responsible for the accuracy of this article's information.

I'm over 55 so is it a sensible idea to start making pension withdrawals and over time decant these funds into a stocks and shares Isa instead.

13/03/2025

Discover why an increasing number of retirees are tapping into their pension funds to address inheritance tax concerns. Advisers confirmed they have seen more people “take action” concerning their pensions, possibly paying up to 45 per cent income tax on their withdrawals to avoid a double tax hit in future. Have a read of this article from i News to find out more.

Quilter is not responsible for the accuracy of this article's information.

More pensioners are opting to take pension income early to avoid being double - or even triple - taxed later in life

07/03/2025

Are you interested in the property market? House sales are taking more than three months to complete once an offer has been accepted, according to recent analysis. But in some parts of the country, buyers are finding they are having to wait up to five months. Learn more about the speed of house sales in different areas in this article from The Daily Mail.

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House sales are taking more than three months on average to complete - and in some areas that rises to nearly five.

27/02/2025

Not many people know that higher rate taxpayers can claim back four years’ worth of tax relief on their pensions.*

Could this apply to you?

If you’d like to get in touch, you can visit my profile: https://www.quilter.com/oliver-godwin/

Tax treatment varies according to individual circumstances and is subject to change.

*Source: https://www.thetimes.com/money-mentor/pensions-retirement/how-to-claim-higher-rate-tax-relief-on-pension-contributions-in-the-uk

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.

24/02/2025

Understanding the relationship between inflation and pensions is crucial for retirement planning. Learn more about the potential effects changing economic landscapes can have on your retirement plans, in this informative read from i News.

Read more - subscription may be needed.

Quilter is not responsible for the accuracy of this article's information.

Inflation rose to 3 per cent in January - the highest level in 10 months. Here's what it means for your retirement savings

16/01/2025

Only 20% of savers correctly identify the £20k ISA limit* - the amount you can save every year, tax efficiently. Let’s chat so you don’t miss out this year.

Just get in touch via my adviser profile - https://www.quilter.com/oliver-godwin/.

Tax treatment varies according to individual circumstances and is subject to change.

Stocks and shares ISAs invest in corporate bonds, stocks and shares, and other assets that fluctuate in value.

For ISAs, investors do not pay any personal tax on income or gains, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

(Source: *https://inews.co.uk/inews-lifestyle/money/saving-and-banking/savers-missing-tax-free-savings-isa-limit-3042362?srsltid=AfmBOopFhrPoG8kyyhL7LT6RgTy-w3SO0NCVAnkyLrRtOu4unYbOSyZV)

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. November 2024.

14/01/2025

Learn how to make money in 2025 with our budgeting tips! Start saving today for a brighter financial future.

Quilter is not responsible for the accuracy of this article's information.

Capital at risk.

The run up to christmas can often leave you feeling like you've lost control of your finances. The presents. The socalising. They wreak havoc on your bank account.