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Karrek Chartered Financial Planners

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Karrek Chartered Financial Planners

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Karrek – Looking after your Financial Future Approved By The Openwork Partnership on 28/10/2025

At Karrek Financial Management Ltd we are proud to offer our clients a comprehensive range of financial planning solutions which are tailored to suit individual needs and objectives. It is our aim to maintain ongoing working relationships with our clients and be the company that people like to deal with by always treating them fairly, so they are happy to recommend us to their friends and family. We have many thousands of clients all over the country who have access to our specialist advisers, who can give advice on the following areas of financial planning: -

• Mortgages
• Pensions
• Investments
• Life Assurance
• Will Writing
• Inheritance Tax Planning

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

02/11/2026

Investment returns aren't determined solely by markets.
Behaviour can matter too.

When markets fall, emotions can encourage people to:
• Panic
• Sell investments
• Abandon long-term plans
• Chase whatever has recently performed well

A well-constructed investment plan can help provide a framework for decision-making when markets feel uncomfortable.
Patience isn't always easy. But investing rarely rewards constant emotional reaction.

The next time markets fall, consider whether your circumstances have changed before changing your strategy.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/09/2026

28/10/2026

Today, Chancellor John Healey delivered the Autumn Budget, outlining the Government's plans for the economy, public finances and future growth.
With a number of announcements that could affect individuals, families and businesses, the Budget introduces changes that may have implications for financial planning.
Swipe through to explore some of the key announcements from today's Budget.
Get in touch with us today to discuss how these changes could affect you and your finances.

Approved by The Openwork Partnership on 28.10.2026

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Someone investing for three years may need to think very differently from someone investing for thirty.

Your timeframe can influence:
• How much investment risk may be appropriate
• How much time you have to recover from market falls
• The type of assets considered
• When you may need access to your money

Investment decisions shouldn't exist in isolation.

They should connect back to what the money is actually for.

Before asking “Where should I invest?”, try asking “When will I need this money?”

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/09/2026

26/10/2026

Trying to predict exactly when markets will rise or fall is extremely difficult.
Long-term investing often takes a different approach.

Instead of trying to identify the perfect moment to invest, the focus may be on:
• Staying invested for an appropriate period
• Accepting that markets fluctuate
• Keeping long-term goals in mind
• Avoiding emotional decisions based solely on headlines

Investing always involves risk, but having an appropriate timeframe can be an important part of the strategy.

When markets become noisy, ask yourself: has the headline changed, or has my long-term goal changed?

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 01/09/2026

21/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Old pensions can be surprisingly easy to lose track of.
A house move, employer change or forgotten provider can leave retirement savings sitting in the background for years.

Finding an old pension doesn't mean it needs to be transferred.
But it does give you the opportunity to understand:
• What it's worth
• Where it's invested
• What charges apply
• What benefits it provides
• How it fits alongside your other pensions

How many employers have you had during your career, and do you know where every pension from them is today?

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

21/10/2026

UK inflation rose to 3.5% in September, up from 3.1% in August, according to the latest Consumer Prices Index figures from the Office for National Statistics.
Transport costs, particularly petrol and diesel, made the largest upward contribution to the increase in the annual inflation rate.

Rising prices put pressure on household budgets and reduce the purchasing power of money. Inflation can also influence borrowing costs, savings rates and investment markets.

The latest figure remains above the Bank of England’s 2% target. Inflation is one of several factors the Bank considers when setting interest rates, alongside wages, employment and economic growth.

The announcement does not automatically mean a change in Bank Rate or mortgage rates, but it remains an important part of the wider economic picture.

[Source | Office for National Statistics | 21 October 2026]

19/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Thinking about bringing several pensions together?
Start with five questions:
1. What am I currently paying in charges?
2. How are my pensions invested?
3. Do any include guarantees or special benefits?
4. What retirement options does each pension offer?
5. What would I gain by transferring?

A smaller number of pensions can be easier to manage, but simplicity should be weighed against the features you already have.

Save these five questions for the next time you review an old pension.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

14/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Two pension statements showing the same value don't necessarily mean the pensions offer the same benefits.
Some older pension arrangements may contain features that aren't immediately obvious.

These could potentially include:
• Guarantees
• Particular retirement options
• Protected benefits
• Different charging structures

That’s why pension transfer decisions should involve more than simply comparing account balances.

Before moving an older pension, make sure you understand exactly what you could be giving up as well as what you might gain.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

12/10/2026

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

Having several pensions can mean several statements, logins and investment arrangements to keep track of.

Combining pensions can sometimes make retirement planning easier to understand.
But convenience alone shouldn't determine whether a transfer is appropriate.

Important considerations may include:
• Charges
• Investment choices
• Existing guarantees
• Retirement benefits
• Your wider financial circumstances

Sometimes combining pensions can make sense. Sometimes leaving them where they are can make more sense.

If you've accumulated pensions from several employers, clarity starts with understanding what each one provides.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Karrek Chartered Financial Planners is a trading name of Karrek Financial Management Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/09/2026

Address

9 Hilgrove Road
Newquay
TR72QY

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441637853153

Website

http://www.karrekfinancial.com/

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