Momentum Financial Solutions Ltd

02/09/2026

Thinking about buying your first home but not sure where to start?

You’re not alone.

From deposits to decisions, we’ll walk you through the journey step-by-step.

Speak to us today on 📞01759 301282.

Swipe through to find out more 👇

28/08/2026

We often think building wealth comes down to earning more, saving more, or finding the perfect investment.

But what if it's also about making better-informed decisions along the way?

According to FCA research, people who received regulated financial advice saw up to a 10% increase in wealth in the years following advice, compared with those who didn't receive it.

Yet despite this, regulated financial advice currently reaches only around 9% of UK adults, highlighting the scale of the UK's advice gap.

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.

Momentum Financial Solutions Ltd 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 25/08/2026.

26/08/2026

Retirement may feel like something to think about later, but changes on the horizon could affect when you access your pension.

From April 2028, the earliest age most people can access their personal or workplace pension will rise from 55 to 57. With the number of pensioners in the UK projected to rise by 25% by 2050, and a third of working age adults saying they do not believe the state pension will exist in 30 years, planning ahead is more important than ever.

If you’re hoping to retire early, phase your retirement, or use pension savings to support future plans, now could be a good time to review your options and understand what these changes may mean for you.

Speak to us today to help keep your retirement plans on track. 📞01759 301282.

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.

Momentum Financial Solutions Ltd 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 14/08/2026.

14/08/2026

3 months until your mortgage deal ends?

Now’s the time to take action. Reviewing your options early can help you avoid rolling onto a higher mortgage rate and give you more control over what comes next.

Speak to an adviser and get everything in place.
Call us on 📞01759 301282.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Momentum Financial Solutions Ltd 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 15/07/2026.

12/08/2026

If your pensions are sitting in different places doing very little, consolidating could help your money work harder—While keeping your future much simpler. The key is understanding what you have, what it costs, and how it fits into your wider financial picture rather than moving everything over. Clarity creates confidence.

⚠️Just remember, not all pensions should be moved, some have valuable guarantees or benefits⚠️

A streamlined pension today = A smoother retirement tomorrow. ✨
Get in touch today to see how we can help!
📞:01759 301282
📧: [email protected]

Momentum Financial Solutions Ltd 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 04/06/2026.

Thinking about all those old workplace pensions you’ve collected like forgotten loyalty cards? It might be time to bring them together… 🔎

It’s common to have multiple workplace pensions from previous employers. However, left unchecked, they could quickly become scattered, hard to track, and potentially out of sync with your overall strategy.

Why consolidating into a private pension can be a game changer:

• One clear view of your retirement savings—No more hunting through paperwork or old logins
• Easier to track performance and adjust your strategy
• Less admin, more control

If your pensions are sitting in different places doing very little, consolidating could help your money work harder—While keeping your future much simpler. The key is understanding what you have, what it costs, and how it fits into your wider financial picture rather than moving everything over. Clarity creates confidence.

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.

⚠️Just remember, not all pensions should be moved, some have valuable guarantees or benefits⚠️

A streamlined pension today = A smoother retirement tomorrow. ✨
Get in touch today to see how we can help!
📞:01759 301282
📧: [email protected]

Momentum Financial Solutions Ltd 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 04/06/2026.

04/08/2026

A new baby has a way of reshaping your whole world. Suddenly, the future feels bigger and so does the responsibility that comes with it.

As life changes, the protection you rely on should be able to change with you. Some policies allow your cover to grow as your family grows, without needing to answer new medical questions. It’s support that adapts as your story unfolds.

Let’s make sure the protection you have truly fits the life you’re building. Contact us today on 📞01759 301282.

Momentum Financial Solutions Ltd 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 19/05/2026.

30/07/2026

The Monetary Policy Committee voted 6-3 to keep the interest rate at 3.75%.

Find out more: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

29/07/2026

Tax Changes coming into force from April 2027:

1. Pension Inheritance Tax Changes:
From April 2027, unused retirement savings will be counted in the value of an estate, which could tip the total above the £325,000 Inheritance Tax threshold.

2. Reduced Cash ISA Allowance:
The Cash ISA Allowance will be restricted to £12,000 from April 2027 for people under the age of 65. That means this is the last tax year where those affected can use the full £20,000 ISA allowance entirely on cash ISAs.
From next April, only up to £12,000 of the £20,000 can be put in a Cash ISA, but the full amount can still be put to work on the Stock market via a Stocks and Shares ISA.

3. Transfer Restrictions:
Transfers from a Stocks & Shares ISA into a Cash ISA will be banned for individuals under age 65, to prevent circumventing the new Cash ISA limit.

4. Higher Property & Savings Tax Rates:
Income tax rates for savings and property income are set to rise from 6th April 2027 by two percent. This means the basic rate will increase from 20% to 22%, the higher rate will increase from 40% to 42% and the additional rate will increase from 45% to 47%.

24/07/2026

Junior ISA (JISA)

• Investments grow free from UK income tax and capital gains tax.
• The child gains control at age 16 and can withdraw from age 18.
Great for helping with:
• University costs
• First home deposit
• Starting a business
• Buying a car
• You can choose between cash and Stocks & Shares.
Cons:
• At 18 the money belongs to the child. They can spend it however they choose.

Pension

• HMRC adds basic-rate tax relief to contributions.
For example:
• You contribute £2,880.
• HMRC adds £720.
• £3,600 goes into the pension.
• Potentially 50–70 years of investment growth.
• Money is protected from being spent early.
• Excellent if grandparents want to leave a long-term legacy.
Cons:
• The money is locked away until retirement age.
• Doesn't help with buying a home or other early-life goals.

Momentum Financial Solutions Ltd 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 24/07/2026.

16/07/2026

From 6th April 2027, most unused pension pots will fall inside the estate for inheritance tax.

For many years, pensions have been the single most tax-efficient way to pass wealth on. A lot of retirement plans have been built around this.

For many families, the old order of "spend the ISAs first, leave the pension last" will no longer be the efficient route. Some will need to look at drawing earlier or even gifting. Some will need to rethink who benefits, and when.

There's no universal answer. There is though, enough time to think clearly, if the thinking starts now.

Get in touch today to see how we can help!
📞:01759 301282
📧: [email protected]

Momentum Financial Solutions Ltd 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 16/07/2026.