Celtic Financial Planning Ltd

04/11/2026

Did you know the number of people living to 100 in the UK has doubled in the last 20 years? 🎂

It's amazing news – but it does make you think...

If you retire at 65 and live to 100, that's 35 years of retirement. Your money needs to last a long time.

That's why good financial planning isn't just about building up your pension – it's about making sure it works for you throughout your retirement, however long that might be.

At Celtic Financial Planning, we help our clients plan for the long term so they can enjoy their retirement without worrying about running out.

If you'd like to chat about your own plans, we're always here to help. 💬

02/11/2026

We've got some exciting news to share! 🎉

Recently, our team headed to the Insight6 Customer Experience Awards – and we came home with Highly Commended in the Professional Services category! 🏆

We're so proud. Providing a great experience for our clients is at the heart of everything we do, so to be recognised for it really does mean the world.

A massive thank you to our brilliant team, who go above and beyond every single day, and to our amazing clients for trusting us with their financial futures.

Congratulations to all the winners and nominees – it was a fantastic evening!

Here's to many more moments like this. 💚

30/10/2026

The Autumn Budget 2026 is here – but what does it actually mean for you? 🤔

Chancellor John Healey delivered his first Budget last week, with announcements covering everything from energy bills and the cost of living to pensions, business taxes and housing.

It's a lot to take in – so we've put together a free guide to break it all down.

Our Autumn Budget 2026 guide explains:

✅ The key announcements
✅ What they could mean for your personal finances
✅ How businesses might be affected
✅ What to think about as you plan ahead

Whether you're saving for retirement, running a business or just want to stay informed, this guide is a great place to start.

👉 Download your free copy here: https://www.celticfp.co.uk/autumn-budget-statement-2026/

And if you'd like to chat about how any of these changes might affect you, we're always here to help. Just get in touch! 💬

What does the Autumn Budget 2026 mean for you? Our free guide breaks down the key changes to help you plan ahead with confidence.

28/10/2026

Budget 2026: the key announcements

A quick summary of the measures announced today:

• Cash ISAs: the planned reduction in the cash ISA allowance will not go ahead.

• Savings and rental income: tax rates to increase by a further 2 percentage points from April 2027.

• Business rates: the small business rate relief threshold for retail, hospitality and leisure businesses in England to rise from £12,000 to £18,000, taking around 70,000 more businesses out of paying rates. Other businesses in these sectors will have increases capped at inflation for two years. Business rates in Wales are devolved, so separate Welsh arrangements apply.

• Business sales: the Business Asset Disposal Relief limit to fall from £1 million to £500,000.

• Entrepreneurs: a new Founders’ Relief offering a 10% Capital Gains Tax rate on qualifying lifetime gains up to £10 million.

• Small traders: the trading allowance to rise from £1,000 to £3,000.

• First time buyers: a new ISA to replace the Lifetime ISA, alongside a new equity loan scheme from next spring.

• State Pension: changes to the triple lock from 2030 were reiterated, with annual increases linked to earnings and inflation.

• Energy bills: a £100 winter payment announced for households in council tax bands A to D in England. Devolved governments will receive funding, with arrangements for Wales to be confirmed.

These are headline announcements from the speech. Full details, eligibility and implementation dates remain important.

For general information only, not personal financial advice. Tax treatment depends on individual circumstances and may change.

28/10/2026

Some exciting news to share about one of our team! 🎾

Sam has officially joined the North Wales Tennis Committee – a voluntary role working with Tennis Wales to help grow the sport and create more opportunities for people across North Wales to get involved.

Tennis has been part of Sam's life for as long as he can remember. He learned to play at Aberystwyth and Mold tennis clubs and went on to represent North Wales at under-14 level. So this feels like the perfect way for him to give something back to a sport that's given him so much.

This weekend Sam also had the chance to attend the Lexus Wrexham Open – amazing to see a top-level tournament right here in North Wales!

We're so proud to have team members who care about their communities. Congratulations Sam! 👏

26/10/2026

You've spent years saving for retirement. So why does spending it feel so difficult?

It's one of the most common challenges we see – people who are financially secure on paper, but still feel anxious about enjoying their money.

The fear of running out is real. But sometimes the bigger risk is reaching later life and realising you could have enjoyed more of it.

In our latest blog, we explore why the shift from saving to spending can feel so uncomfortable – and how good financial planning can help you find the balance.

👉 Read the full article here - https://www.celticfp.co.uk/youve-saved-enough-to-retire-so-why-are-you-afraid-to-spend-it/

23/10/2026

We're delighted to share some news 🎉

Celtic Financial Planning has been named in the Citywire New Model Adviser Top 100 2026.

The Top 100 recognises leading financial planning firms across the UK, and we're proud to be included alongside so many respected names.

This recognition belongs to our team – and to the clients who trust us with their plans, their goals, and their futures.

Thank you to everyone who has been part of our journey so far. It means a great deal.

22/10/2026

Reviews matter more than you might think.

Most people who get in touch with us have already read what our clients say. They've seen the experiences, the outcomes, the relief that comes from having a proper plan in place. That's often what gives them the confidence to reach out.

Choosing a financial adviser is a big decision. You're trusting someone with your future. Reviews help people feel sure they're making the right choice.

If you've worked with us, a few words from you could be the reason someone else takes that first step.

20/10/2026

So if you've ever felt like you're the only one who doesn't have it figured out… you're definitely not. 😅

Money stuff can feel overwhelming. But you don't have to work it all out on your own.

It's normal to have questions. And it's okay to ask for help.

When you're ready for a chat, we're here. ☕

[source: The Great British Financial Literacy Test - Freetrade]

14/10/2026

One of the biggest myths in our profession is that financial planning is only for millionaires.

It isn't.

In reality, the people who benefit most are often those asking questions like:

✅ Am I saving enough for retirement?
✅ Can I afford to help my children financially?
✅ Am I making the most of my pension?
✅ What happens to my family if something happens to me?
✅ Could I retire earlier than I think?

Financial planning isn't about how much money you have.

It's about making sure the money you do have is working as hard as possible for the life you want to live.

At Celtic Financial Planning, we believe good advice should create clarity, confidence and direction, whether you're building wealth, protecting it, or planning for the future.

The real question isn't:

"Am I wealthy enough for financial planning?"

It's:

"How much could better planning improve my future?"