Forth Financial Planning

22/06/2026

Take control of your pension today

Bringing your pensions together into one pot could simplify your retirement planning and make managing your savings easier.

At Forth Financial Planning, we provide tailored financial advice. To see how we can guide you through your options—get in touch today

19/06/2026

Forth Financial Planning is authorised and regulated by the Financial Conduct Authority (FCA), ensuring that we operate in full compliance with strict regulatory requirements designed to protect clients and maintain industry integrity. This status means we are held to the highest professional and legal standards, giving you confidence that our advice is delivered with transparency, accountability, and a strong commitment to ethical practice. Our regulatory oversight reflects our dedication to putting clients’ interests first and providing financial planning services you can trust.

17/06/2026

17/06/2026

16/06/2026

Scams: Not all money advice online is what it seems

Social media can be full of confident voices talking about money.

Some posts make investing sound quick or low risk. Others may promise eye catching returns or pressure you to act fast.

Not all online financial content is regulated, and if something goes wrong the protection may be limited.

Taking a moment to check who is authorised and what you're being offered can help reduce the risk of unpleasant surprises.

When it comes to your money, informed, regulated advice can help provide far greater protection than social media hype.

05/06/2026

Leaving your estate planning too late could be a multi-thousand-pound mistake for your family.

A recent report by the Cebr shows that delayed planning is on track to cost UK families a staggering £12.3 billion in preventable inheritance tax. With frozen allowances and the sweeping rule changes that hit this April that may include your pension, it's increasingly catching out everyday families.

The research highlights a massive "timing gap": families who start planning around age 50 pass on an average of £397,000 more to their loved ones than those who wait until age 70.

Balancing your own financial independence in retirement while minimising a future tax bill for your children is a delicate act. As a local financial planner, I specialise in helping families navigate these new boundaries safely.

My doors are open and I'm actively taking on new clients. If you have questions about the new rules or lifetime gifting, drop me a DM and let's talk.

What do you think? Is it better to gift an inheritance early so you can see your family enjoy it, or let wealth pass naturally later in life? Let me know in the comments.

Delays in estate planning could cost families in the top decile of UK wealth an estimated £12.3 billion in preventable inheritance tax (IHT) when unused pensions enter the regime next year, according to a new report. The research, commissioned by Octopus Investments, reveals the scale of the inheri...

01/06/2026

Retirement planning often slips down the list.

Life is full and the future can feel far away.
Starting early can help but it's never too late to get engaged. What matters is understanding where you are now and what options are available.

Even small adjustments could make a difference over time.

If you’d like to explore your position and what might help you move forward, I’m here to talk.

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