Endeavour Financial Planning

Endeavour Financial Planning Welcome to Endeavour Financial Planning, we are an Independent Financial Advice firm specialising in Pensions and Investments.

Independent Financial Advisors

Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority Our aim is to provide clear, impartial financial advice to our clients. Endeavour Financial Planning Limited is an appointed representative of In Partnership the

trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority

19/08/2025

If you’re unmarried with children, dying without a will could leave your loved ones in a tough spot

Here are 3 key risks of dying intestate...

Which means without a valid will 👇

1️⃣ Your partner may get nothing 😱 The laws of intestacy don’t recognise cohabiting partners, even if you’ve lived together for decades

2️⃣ Your children inherit at 18 😬 No safeguards, no trusts, just full control, regardless of maturity

3️⃣ No legal guardian named 😮 If both parents are gone, the court decides who looks after your children

It’s not just about distributing assets

It’s about protecting your family, avoiding stress, and making sure your wishes are followed

A simple will, can make all the difference to your affairs and wishes after you’re gone

5-star feedback from a lovely couple who were moving into their fun years 🙌Navigating pensions and financial planning in...
05/08/2025

5-star feedback from a lovely couple who were moving into their fun years 🙌

Navigating pensions and financial planning in retirement can feel overwhelming but it doesn’t have to be

It’s reviews like this that remind us why we do what we do 💛

✅ 35 ⭐️⭐️⭐️⭐️⭐️ Google reviews and counting
✅ Trusted guidance for every stage of life
✅ Real people, real peace of mind

Financial planning is about connecting your story together so you can focus on living your best life 💃🕺



Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registration number: 07527645. Registered in England and Wales

29/07/2025

He’d never checked his pension investments

Everything was in the default fund; mostly lifestyle strategies which are designed to shift into lower-risk assets as retirement approached

On paper, that sounds sensible

But here’s the problem:

➡️ He was still several years away from wanting to retire
➡️ He wasn’t planning to buy an annuity
➡️ He already had a generous final salary scheme kicking in at normal retirement age

In other words, his investments were being de-risked…for a retirement plan he didn’t want

We restructured his asset allocation to better suit his goals

Maintaining a reasonable equity exposure to help protect against inflation risk while being mindful of volatility

Default isn’t always appropriate for everyone because we all have different goals and circumstances

Regular reviews matter though; especially when you’re approaching retirement and the decisions start to become more impactful



A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation

22/07/2025

📝 The form some people forget about until it’s too late…

If you’ve got a pension, you probably assume your loved ones will automatically receive it if you pass away

But here’s the truth:

👉 Your pension is held in a discretionary trust when you die. That means your pension provider, not you, has the final say over who receives the money

So how do you make sure your wishes are known?

You complete an Expression of Wish form

This form doesn’t guarantee your chosen beneficiaries will receive the money, but it gives the provider clear guidance. In almost all cases; they follow it

📌 Without it, here’s what could happen:

• Your family could face delays in receiving the money
• Some providers may restrict the options available
• The wrong person could receive the benefit
• Extra stress, at the worst possible time

✅ What to do:

1. Contact your pension provider
2. Ask for the Expression of Wish form
3. List who you want to benefit
4. Keep it up to date (especially after big life changes)

It only takes minutes, but can save your family months of confusion and heartache

15/07/2025

3 simple money habits that will change your future 💸

These seemingly small actions can create massive results over time 👇

1️⃣ Pay yourself first - Automate savings/investments before spending
2️⃣ Weekly money check-ins - 10 mins a week provides financial clarity
3️⃣ Spend intentionally - Align spending with what actually makes you happy

You don’t need to be perfect

You just need to be consistent!

08/07/2025

They were ready to stop working, but had no idea if they could 🤔

A husband and wife in their early 60s came to me recently

They’d worked hard, saved steadily, and were dreaming of life after work, but their finances were a mix of accounts and pension pots with no clear plan…and a lot of anxiety 😰

They weren’t sure if they could afford to stop

Or if they’d regret it later

Every conversation about retirement ended in stress

So we took a step back and built a holistic plan, looking at their assets, income, lifestyle goals, and tax position 💰

The result…

➡️ Confidence
➡️ Clarity
➡️ Control

They’re stepping into retirement feeling secure about the future

That’s what real financial planning delivers. Not just numbers; but peace of mind ✌️



Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registration number: 07527645. Registered in England and Wales

01/07/2025

Ltd company owners…you don’t just have one year-end to plan around

You have two!!

1️⃣ Your business year-end
2️⃣ The personal tax year-end (April 5th)

Why does that matter?

Because the timing of things like pension contributions, dividends, and other allowances is important

Get it wrong, and you risk missing reliefs that don’t, in some cases, carry forward

That’s why working with your accountant and financial planner is so important

Together, you can make sure every allowance is used in the right way, at the right time, for maximum impact

27/06/2025

I’ve Been Quiet – Here’s Why 👇

After nearly 4 years of posting almost daily, I took a 6-month break

Life got busy — with work, family, study, marathon training was full on

Truthly though, I ran out of content that felt meaningful

Instead of forcing it, I decided to step back and reset

Now I’m back, with a fresh perspective and a clearer focus on how I want to show up here

My goal hasn’t changed — I want to help you get clarity with your money, plan with purpose, and make confident decisions

Whether you’re here for practical tips, financial clarity, or just a bit of grounded thinking about money and life — I’m looking forward to reconnecting

Thanks for sticking around

Let’s get started again 💬

104 entrants, but there can only be one winner… 🏆 Well done to Uzair Rizwan for winning the Endeavour FP Fantasy Footbal...
27/05/2025

104 entrants, but there can only be one winner… 🏆

Well done to Uzair Rizwan for winning the Endeavour FP Fantasy Football League with his team All eyez on U*i ⚽️ 👏

If you’d like to get in touch to make yourself known then we can arrange the £50 voucher of your choice to be sent out for you 🙌

All eyes will certainly be on you next year to see if you can defend your title 😎

03/12/2024

Financial planning would be so much easier if we know when major life events will happen

The problem is, we don’t

and we never will ❌

Whether that be marriage, children, divorce, illness or death

The uncertainty is what makes planning so difficult

This is why its important to have all bases covered when it comes to your future financial security

Flexibility is 🔑

Significant life events can occur at any time so it’s vital that when they do come along, the planning that you’ve put in place helps to mitigate the financial impacts

Allowing you the time to process the events without having to worry about how you’re going to pay your liabilities or fund future costs

Don’t leave it to chance that everything will be okay and work itself out

Especially if you have family that are depending on you 👨‍👩‍👧‍👦

Planning on things not going to plan is vital for your financial future and regularly reviewing your plan ensures the plan stays appropriate throughout your lifetime



Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registration number: 07527645. Registered in England and Wales

26/11/2024

Pension contributions don’t just increase your retirement funds 😱

They provide tax planning opportunities to help avoid taxation and reclaim allowances

By making personal pension contributions, you make the net payment and then the pension provider claims 20% basic rate tax relief

£8,000 you pay
👇
£10,000 actually lands in your pension

That’s an additional £2,000!!!

But that isn’t the end of the story

That £10,000 gross contribution is used to increase your basic rate tax-band

For 2024/25 tax year, this tax band between £12,571 - £50,270 equals £37,700

This is the amount you pay 20% tax on

However, the £10,000 sits on top of this effectively making that your basic rate tax-band becomes £47,700 instead of £37,700 in this example

This can be invaluable if you’re looking to:

👉 Encash shares
👉 Surrender an investment bond
👉 Reclaim tax allowances by reducing your adjusted net income
👉 Avoid High Income Child Benefit Tax Charge

There are limits and restriction on what you can put into a pension and these need to be understood to ensure you don’t fall foul of the legislation

Financial planning is personal and needs to be tailored to your specific goals and dreams so what might be appropriate for one person might not be for another so always seek regulated independent advice 🤝



A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation

The tax treatment is dependent on individual circumstances and may be subject to change in future

Tax advice is not regulated by the Financial Conduct Authority

Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registration number: 07527645. Registered in England and Wales

19/11/2024

Do you have a 6-figure income 💷💷💷

For individuals with an adjusted net income between £100,000 and £125,140 in the UK, there are some important tax considerations to be aware of 👇

As your income rises above £100,000, your personal tax-free allowance begins to be gradually reduced. This can result in an effective marginal tax rate of up to 60% on income in this range.

The higher 40% tax rate applies, plus an additional reduction in your personal tax-free allowance for every £2 earned over £100,000, you lose £1 of you personal allowance 📉

The impact of this is that more is taxed at 20%, rather than 0%, which equates to 60%

This also has implications for those who claim child free childcare hours as this is lost when you earn over £100,000 👨‍👩‍👧‍👦

However, there are legitimate strategies that can help mitigate the impact of this "personal allowance trap":

✅ Using tax free investments such as ISAs to make taxable investment income non-taxable
✅ Personal pension contributions
✅ Gift aid contributions

Due to fiscal drag, the freezing of the tax bands by consecutive governments, this will impact more individuals and families going forward

Whether any of the strategies above are appropriate will depend on you and your circumstances so it’s important you understand what options you have available and you understand the implications of any important financial decisions you make



A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation

The tax treatment is dependent on individual circumstances and may be subject to change in future

Tax advice is not regulated by the Financial Conduct Authority

Endeavour Financial Planning Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registration number: 07527645. Registered in England and Wales

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