What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Fingerprint Financial Planning

Home
United Kingdom
Rochester
Fingerprint Financial Planning

Call Directions Website Contact the business

FingerprintFinancialPlanning are Truly Independent Financial Advisers based at the Historic Dockyard

02/11/2026

2. Balance your priorities

Even if you and your partner broadly agree on your shared financial future, there are still likely to be areas in which you have different priorities.

For example, one of you may wish to retire early, while the other would prefer to keep on working. Or you may have different positions on other issues, such as supporting children, moving house, or travelling.

Working with a financial planner can help you to balance these priorities. At Fingerprint, we can explore different scenarios with you, helping you to understand the financial implications of certain approaches and find potential compromises that you’re both happy with.

3. Work towards shared goals

Financial habits are very individual, and no matter how close you are with your partner, it’s unlikely that you’ll be on the same page about absolutely everything.

Conflicting spending habits or approaches to saving can be a potential cause of disharmony in relationships. In fact, according to The Independent, almost 30% of people in a relationship are worried that discussing savings or investments will cause arguments.

A financial planner can often help to minimise potential conflict, acting as an impartial third party. At Fingerprint, we can help you establish how to work towards your shared goals in a way that you’re both comfortable with.

For example, if you both know that saving a certain amount every month will keep you on track, you also know how much you have available to spend. This can be helpful if one of you is inclined to save, and the other more tempted to spend.

Look out for the third and final part...

29/10/2026

Chancellor John Healey has delivered his first Autumn Budget.

In it, he has outlined the government’s fiscal plans for the coming year and beyond.

Some of the key announcements could have implications for your personal financial plan.

We’ve produced a useful summary of the 2026 Autumn Budget to help you understand the main points of John Healey’s speech and the impact it could have on your long-term financial plan, as well as your family and business.

We’re here to help you understand what the changes could mean for you and whether it’s appropriate to update your finances.

To read more head to our website and click on News and Guides. Your 2026 Autumn Budget Update and what it means for you.

If you have any questions about the announcements made in the 2026 Autumn Budget, please get in touch.

The content of this Autumn Budget summary is intended for general information purposes only. The content should not be relied upon in its entirety and shall not be deemed to be or constitute advice.

28/10/2026

With the next Budget fast approaching, there’s plenty to think about when it comes to your finances.

Whether you’re planning for retirement, building your investments, managing your tax position or thinking about passing wealth on to your family, potential changes could be worth keeping an eye on.

We’ll be keeping an eye on the announcements and sharing the key points that could matter to you.

Watch this space

27/10/2026

Discussing your finances with your partner can get pushed down your priority list for a number of reasons. It could be that one or both of you feel uncomfortable talking about money, or skirt around the subject to avoid arguments.

Sometimes, it’s simply a case of life getting in the way, with work and family responsibilities taking precedence.

But if you’re planning to build a financial future together, there are some key considerations that are important to address. Read on to find out six of these, and how a financial planner could help.

Creating a mutual plan could add stability to your financial future
According to Quilter, 87% of couples who have been together for longer than three years have partially or fully combined their finances, but just 38% have sought financial advice together.

This indicates that although they are sharing their day-to-day finances, they could be lacking a joint financial plan.

If you’d like to feel more aligned about your mutual finances, then it could be time to start putting your financial future as a couple on a steadier footing.

1. Understand your individual positions

Before you begin to consider your joint plan, it’s a good idea to discuss your individual financial positions.

Outline your respective income, savings and investments, property ownership, and pension pots. It’s also important to be clear about any outgoings and financial responsibilities, such as debts or outstanding loans.

This conversation can help both of you to establish any disparities. For example, one of you may have worked continuously and accumulated a large workplace pension, while the other took career breaks or worked part-time to raise children.

You can also work out whether your contributions to household finances are equitable given your respective incomes.

To be continued...

23/10/2026

Today the team at Fingerprint are wearing it pink to raise awareness for breast cancer.

Raising awareness is so important. For people to check themselves the sooner you get any lumps or bumps or anything that is not normal for your body checked the sooner it can be treated.

Also raising funds for New discoveries. Better treatments and cures.

Who else is wearing it pink today?

💕

21/10/2026

The potential cons of equity release

Compound interest could increase your debt

In some cases, you can make monthly payments against the interest. However, if you can’t afford this, or your plan doesn’t allow for it, then interest will be charged on both the original loan and the previous interest.

The Equity Release Council illustrates this point, with data showing that a £100,000 lifetime mortgage with a 7% interest rate could grow to £200,966 after 10 years if you made no voluntary repayments. After 15 years, the amount you owe could reach £284,895.

It will usually reduce the value of your estate

This can fall into both the pros and cons categories. Reducing your estate could be beneficial if it also lowers exposure to IHT. However, if your estate is unlikely to attract IHT, this reduction could mean your beneficiaries receive a reduced inheritance. This is where strategic estate planning in line with your circumstances is important.

There could be more appropriate alternatives

Equity release can be complex and requires careful consideration. Working alongside a financial planner can help you establish whether you could draw on other assets, such as investments or pension income, as a more appropriate option.

It could affect means-tested benefits

Releasing capital from your property can potentially affect your eligibility for certain means-tested benefits.

Changing circumstances can add complexity

When you take out your lifetime mortgage, you might be sure that you’ll stay in your home forever. However, if circumstances later mean you need to move, there can be some complications involved in transferring an equity release plan.

This article is for general information only and does not constitute advice. The information is aimed at individuals only.

All information is correct at the time of writing and is subject to change in the future.

The Financial Conduct Authority does not regulate estate planning or tax planning.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

Equity release will reduce the value of your estate and can affect your eligibility for means-tested benefits.

19/10/2026

Today the excited team moved back into our newly refurbished and high tech offices at Admirals Offices

Huge appreciation to Rebecca Munckton who fantastically project managed this working extremely hard.

And a big thank you to Paul Spencer-Nixon for making this happen.

We can’t wait to welcome our clients into our beautiful new meeting rooms.

16/10/2026

The potential pros of equity release

You can unlock wealth from your home

As we’ve already mentioned, wealth tied up in property is fairly inaccessible, and this could be frustrating if you have limited income or savings.

Releasing some funds through equity release can supplement income, help to fund large projects, or be put towards clearing debts.

You don’t need to sell your home

One of the big advantages of equity release is that you can remain in your home and don’t need to sell or downsize simply to unlock funds.

You could use funds to support your family and potentially reduce an Inheritance Tax liability

Releasing wealth from your property can unlock funds to help your family financially during your lifetime.

Gifting during your lifetime could also potentially reduce the value of your estate and lower or remove an Inheritance Tax (IHT) liability.

However, there are some caveats to lifetime gifting. Outside of certain HMRC exemptions, such gifts are known as potentially exempt transfers (PETs). If you survive for seven years after making a gift, then its value could be removed from your estate. But if you die within seven years, then the gift will likely become taxable at a rate determined by a sliding scale known as taper relief.

Equity release can be complex and isn’t always a simple way to mitigate an IHT bill. It’s important to take financial advice to understand whether it could be a workable option for you.

Read more in our article Asset-rich, tax-poor: Why it could be worth reviewing the value of your estate.

You could find a plan which offers flexibility

Modern equity release can give you some choice over how you access and pay back money, such as making voluntary repayments or taking the funds over a period of time rather than in a lump sum.

Next The Potential cons of equity release.....

14/10/2026

Your home could be your most valuable asset. However, unlike other assets, such as ISAs or savings, this value isn’t immediately accessible.

Equity in your home remains stored there until you sell. However, there are methods of equity release that can unlock funds without necessitating a sale.

There are pros and cons to equity release, and it’s important that you consider these carefully before taking any action. Read on to find out more.

Equity release can be used to fund projects, clear debts, or support day-to-day living

Research from Canada Life shows that home improvements are the leading reason people seek equity release, with data indicating that home adaptations or improvements are cited in 43% of applications.

Other reasons included clearing an existing mortgage, strengthening financial resilience, supporting day-to-day living, building emergency funds, and consolidating existing debts.

This demand for equity release reflects the fact that property can often represent a significant proportion of an individual’s wealth.

The most common type of equity release is a lifetime mortgage. Under this type of arrangement, you:

Take out a loan against your home
Retain ownership
Can often choose whether to pay some or all of the interest, but usually don’t make monthly payments
Repay the loan and any interest when the last homeowner either dies or moves into long-term care

Next The potential pros of equity release.....

12/10/2026

The finishing touches are being done and the new furniture has been delivered so lots of boxes to be unpacked.

Hopefully we will be back in our home in Admirals Offices very soon.

Watch this space....

Address

Admirals Offices, The Historic Dockyard
Rochester
ME44TZ

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+443452100100

Website

https://linktr.ee/fingerprintfinancialplanning

Alerts

Be the first to know and let us send you an email when Fingerprint Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.