D M Financial Planning

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Clients rarely open with a question about investment returns. Ten years out from stopping work, the question is almost a...
02/09/2026

Clients rarely open with a question about investment returns. Ten years out from stopping work, the question is almost always some version of: can I afford this, and when.

That is a cashflow question rather than a product one. It needs your real spending, not a percentage of salary — the actual figure, including the things you would never cut. It needs to allow for the state pension starting later than you stop, for one income ending before the other, for a mortgage finishing, for children becoming self-supporting at some point that may be later than you would like.

Modelled properly, it tends to produce one of three answers. You could go earlier than you thought. You can go when planned, but not spend what you assumed. Or there is a shortfall, and there is still time to do something about it.

All three are useful. Only one of them is a surprise.



Your home may be repossessed if you do not keep up repayments on your mortgage. The value of investments can fall as well as rise and you may get back less than you invested. General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

Directors are routinely offered less than they should be, because the high street reads a set of accounts and sees a mod...
01/09/2026

Directors are routinely offered less than they should be, because the high street reads a set of accounts and sees a modest salary.

Retained profit, dividends taken and dividends left in, and the way the business is structured all affect what is genuinely available — and lenders differ enormously in how they treat them.

It is one of the few areas where whole of market changes the outcome rather than merely trimming the rate.



Your home may be repossessed if you do not keep up repayments on your mortgage.

General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

A lasting power of attorney can only be made while you still have the capacity to make it.That single sentence is the wh...
31/08/2026

A lasting power of attorney can only be made while you still have the capacity to make it.

That single sentence is the whole point, and it is why the document is so often too late. Once capacity is in question the route is an application to the Court of Protection — slower, more expensive, and decided by someone who does not know you.

It is a document you complete when you do not need it. That is the only time you can.



Lasting powers of attorney are not regulated by the Financial Conduct Authority.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

30/08/2026

Most of what decides your mortgage is settled before you view anything.

By the time an offer is accepted and a chain forms, your borrowing capacity, your credit file and your evidence of income are already what they are. Very little of it can be improved in the four weeks when it suddenly matters most.

That is especially true if you draw income through your own company. Some lenders assess a director on salary plus dividends drawn. Others use salary plus your share of net profit - including profit you deliberately left in the business. The same accounts, a different lender, and borrowing figures that can differ by six figures.

Worth knowing which lenders read it which way before you make an offer, rather than after.

Free guide - the Home Purchase Checklist: https://guides.dmfinancialplanning.co.uk/purchase-mortgage



Your home may be repossessed if you do not keep up repayments on your mortgage. This is general information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

Most people who come to us are not looking for advice. They want to know whether what they already have is any good.That...
29/08/2026

Most people who come to us are not looking for advice. They want to know whether what they already have is any good.

That is a sensible thing to want, and it does not require committing to anything.

Thirty minutes, online. We look at what you hold, we tell you what we see, and if your arrangements are already sound we say so — which happens more often than you might expect.



General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

Helping the children is one of the most common goals we are given, and one of the least structured.Money tends to go acr...
28/08/2026

Helping the children is one of the most common goals we are given, and one of the least structured.

Money tends to go across in irregular amounts, when it is asked for, with no record kept and no thought as to which of the available routes it went through.

Some of those routes carry consequences years later. Some carry none. The difference is rarely obvious at the time and almost never written down.

Keeping a note of what was given, when, and out of what income or capital is thoroughly unglamorous. It is also what makes everything simpler later.



Tax treatment depends on individual circumstances and may change in future. General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

The plan most people build assumes a straight line to the end.The two things most likely to bend it are a period of care...
27/08/2026

The plan most people build assumes a straight line to the end.

The two things most likely to bend it are a period of care, and the death of one partner — and the second changes the tax position of the first in ways that are rarely modelled in advance.

This is not a comfortable planning conversation and it gets postponed as a matter of routine. It is also far easier to have while both people are well and the decisions are still hypothetical.



Tax treatment depends on individual circumstances and may change in future. General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

Nobody chooses the standard variable rate.It is not a product anyone selects. It is what applies when a fixed deal ends ...
26/08/2026

Nobody chooses the standard variable rate.

It is not a product anyone selects. It is what applies when a fixed deal ends and nothing was arranged to replace it — the rate you are given for having been busy in the month it mattered.

Lenders are under no obligation to make it competitive, and generally do not.

Find the end date. It is the single most valuable piece of information in your mortgage.



Your home may be repossessed if you do not keep up repayments on your mortgage.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

25/08/2026

If you run a limited company and pay yourself mainly in dividends, there is a decision most directors leave until it is too late in the year to act on.

Employer pension contributions are usually an allowable business expense, they do not attract employer National Insurance, and unused annual allowance from the previous three tax years can often be carried forward.

For most people the annual allowance is £60,000. Add three years of carry-forward and the figure becomes large enough to matter - particularly where profit has been accumulating in the company.

The point is not that every director should use all of it. It is that most have never had anyone sit down and show them what their own number is.

Free guide - Pension Review: https://guides.dmfinancialplanning.co.uk/pension-review



The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change. This is general information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

Retirement is still described as a date. For most people it is now a slope.Four days a week at 58. Three at 61. Consulta...
24/08/2026

Retirement is still described as a date. For most people it is now a slope.

Four days a week at 58. Three at 61. Consultancy at 64 that lasts rather longer than anyone expected.

That shape is financially very different from stopping altogether, and frequently better — a modest earned income in the early years takes considerable pressure off the portfolio at precisely the point it is most exposed.

Worth planning deliberately rather than arriving at by accident.



General information, not personal advice.

DM Financial Planning is a trading style of Aegis Financial Planning Limited, authorised and regulated by the FCA (No. 624298).

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Manchester

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+447926174479

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