Rogerstone IFA

Independent Financial Advice - Based in Rogerstone. Will travel throughout South & Mid Wales

30/10/2026

Some pensioners could pay less Income Tax from April 2027.

A new Pension Tax Allowance will mean people over State Pension age with total income up to the full new State Pension of £13,036.40 won't be brought into paying Income Tax as a result of increases to the State Pension.

At the same time, tax rates on savings and property income are set to rise by a further two percentage points from April 2027.

Tax rules can change and the impact of taxation, and any tax relief, depends on your personal circumstances and where you live.

19/10/2026

How much do you need to retire?

It’s one of the biggest questions when it comes to retirement planning, and the honest answer is that it depends on the lifestyle you want to enjoy.

If you don’t know the answer yet, don’t worry. You can’t simply pick a number out of thin air and expect it to be right. Working out how much you’ll need takes some thought and planning, but it’s a question that’s worth considering sooner rather than later.

That’s where the Retirement Living Standards from Pensions UK can help. They provide a helpful guide to what different lifestyles in retirement could cost, giving you a clearer idea of the income you may need to achieve your goals.

Take a look and see what retirement could look like for you 👇 http://my.sociabble.com/QoHga82TqwuA
http://my.sociabble.com/JvLooVeCKYUi

15/10/2026

Life is busy enough without making it more complicated.

Streamlining the things you can control, from decluttering your home to reviewing your finances, could help save time and reduce stress.

If you've changed jobs over the years, you may have built up several pension pots. Autumn can be a good opportunity to review them and explore whether bringing them together is right for you.

Pension consolidation could make your pensions easier to manage and reduce paperwork. In some circumstances, it may also reduce charges.

However, it is not suitable for everyone. Consolidating pensions could mean giving up valuable guarantees, benefits, investment options or death benefits, and some transfers cannot be reversed. It's important to understand what you may lose before making a decision.

We strongly recommend seeking financial advice. The right approach will depend on your personal circumstances, retirement objectives and the features of the pensions you hold.

05/10/2026

Another Cardiff Half Marathon in the bag, my legs are a little stiff so not using the stand up desk today.
Very warm yesterday! Not as quick as a used to be but I still managed to get round without walking.... A fresh faced pre pic and a not so fresh faced post pic... (we discarded Rich and replaced him with Dave for the after photo.)

29/09/2026

A bit of out of office time last Friday. Spent a few hours chatting about running, guitars and a couple of minutes of business related chat. Strongly recommend networking with other businesses in the area. I get to expand my list of useful people and learn new things. Plus I get to catch up on gossip. Good luck to Sarah at Remoo Mortgages with the Cardiff half next week. I'll see you there. Ps, that's Rachel from Siarp and Assistify in the photos with me, not Sarah. Ironically, the fellow runner is the one sitting down.

15/09/2026

Pension Awareness Day is a timely reminder to check in on one of the most important investments you'll ever make - your future. It's easy to push pensions to the bottom of the to-do list, especially when retirement feels a long way off. However, small steps taken today may help improve your retirement outcomes over time. Whether you've changed jobs, have multiple pension pots, or simply haven't reviewed your contributions for a while, now is a great opportunity to take stock. Understanding where you stand can help you make informed decisions and keep your retirement plans on track. With changes bringing most unused pension funds and pension death benefits into scope of Inheritance Tax for deaths on or after 6 April 2027, a review may help you understand whether your plans could be affected. A conversation with us can help you plan with confidence for the years ahead
www.rogerstoneifa.co.uk

10/09/2026

Autumn is a great time to get your finances organised - and that includes checking your pensions. It’s good to see where you’re at before the Autumn Budget takes place. If you've changed jobs over the years, you could have several pension pots, or even one you've forgotten about. The lost pension service helps you to find contact details for a previous pension provider, the service does not confirm whether you have a pension or tell you its value. Bringing pensions together may make them easier to manage and may reduce charges, but it's not the right choice for everyone. Some pensions include valuable guarantees or benefits that could be lost if transferred, so it's important to understand what you have first. Once you've found your pensions, speak to us to discuss whether pension consolidation is suitable for your circumstances
www.rogerstoneifa.co.uk

08/09/2026

Pension planning can feel overwhelming, and many people put off asking questions because they think they should already know the answers. The reality is that pensions are complex and almost everyone has questions. Whether you're wondering if you're contributing enough, if old pensions should be consolidated, when you can access your pension or how your investments are performing, small questions can have an important impact over time. Taking a little time now to review your pension arrangements can help provide greater clarity and confidence for the future, with changes bringing most unused pension funds and pension death benefits into scope of Inheritance Tax for deaths on or after 6 April 2027, a review may help you understand whether your plans could be affected.. We're here to support you and answer any questions you may have
www.rogerstoneifa.co.uk

01/09/2026

Well, that's the first day wrapped up for the new employee Andrea..... Those of you who are my clients and deal with me regularly will likely meet her soon. As is the modern way, she's not local though so if you do meet her, it will be 2 dimensional! Finger's crossed she's back tomorrow!

01/09/2026

Personalised advice matters because your financial decisions should reflect your unique circumstances, goals and requirements - not a generic trend, headline or online opinion. AI tools and financial influencers may provide useful ideas, but they cannot take the place of personalised advice based on your individual circumstances. Acting on broad guidance without due care may leave people exposed to unsuitable products, unnecessary risk or decisions that may be difficult to reverse. As your adviser, my role is to understand what matters to you, explain your options clearly and help you make informed choices with confidence. Regular, tailored advice strengthens our relationship, can support better financial outcomes and helps protect and improve your long-term financial position as life, priorities and needs change
www.rogerstoneifa.co.uk

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