Voyage Financial Planning

10/06/2026

Small contributions can add up to something much bigger over time. 📊

In this video, Chris explains how long-term growth works behind the scenes when it comes to pensions and why consistency often matters more than the size of your contributions. Even putting away manageable amounts regularly can have a meaningful impact over the years.

If retirement is on your radar and you’d like a better understanding of how to use your pension effectively, drop your questions in the comments, we’re always happy to point you in the right direction.



Approved by 2plan wealth management Ltd on 16/04/2026.

09/06/2026

Big changes are coming to UK Cash ISAs from April 2027. Here’s an overview of the changes and how they might affect you based on your age or account type:

For anyone aged 64 and under, the amount you can place into a Cash ISA will be capped at £12,000 per tax year. While the overall ISA allowance stays at £20,000, the remaining £8,000 will need to be invested into alternative ISA wrappers such as Stocks & Shares or Innovative Finance ISAs. Those aged 65+ can still place the full £20,000 into Cash ISAs.

What’s important to remember:

✔ Existing Cash ISA savings remain fully protected and tax-free
✔ The overall ISA allowance stays at £20,000
✔ You still have the current and next tax years to maximise existing allowances before the changes begin

This could be a good opportunity to review whether holding too much in cash is helping or hindering your long-term financial goals. The key is making sure your savings strategy still aligns with your objectives, time horizon, and attitude to risk.

If you’re unsure how these changes may affect your plans, now is a sensible time to review your ISA strategy ahead of 2027. Get in touch if you’d like to chat to our team.

📞 02381102094
✉️ [email protected]
https://voyagefinancialplanning.co.uk/



An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.

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.

08/06/2026

Many people think financial advice is only for the wealthy, but often, it’s most valuable during times of change.

You may benefit from professional advice if you are:

➡️ Approaching retirement and unsure how to draw income efficiently
➡️ Managing multiple pension pots
➡️ Receiving a lump sum, inheritance, or redundancy payment
➡️ Going through a major life event such as divorce, bereavement, or starting a family
➡️ Looking to plan your estate effectively
➡️ Managing growing investments and wanting a strategy aligned to your goals and risk tolerance

Good advice should help you understand your options, feel informed, and make decisions that support the life you want to build.

Get in touch today to start the conversation.

📞 02381102094
✉️ [email protected]
https://voyagefinancialplanning.co.uk/



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.

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 FCA do not regulate tax and estate planning.

Approved by 2plan wealth management Ltd on [date]

05/06/2026

05/06/2026

If stepping onto the property ladder is one of your goals this year, taking time to understand your finances and the home-buying process can make a real difference. Looking at your deposit, borrowing capacity and mortgage options early on helps you approach the journey with clarity and confidence. 🏡

Professional guidance can support you in making informed decisions as you take this important step, and with the right preparation, buying your first home can become a structured and manageable process rather than a stressful one.

If you’re weighing up your options, let’s talk about what really works for you.

📞 02381102094
✉️ [email protected]
https://voyagefinancialplanning.co.uk/

Your home may be repossessed if you do not keep up repayments on your mortgage.

Approved by 2plan wealth management Ltd on [date]

04/06/2026

Overpay your mortgage… or invest instead? 🏡

It’s one of the most common questions we’re asked and the honest answer is: there’s no one size fits all solution.

In this video, Chris explores the pros and cons of:

✅ Overpaying your mortgage to reduce debt and interest
✅ Investing your money to try and grow it over the long term

The best strategy isn’t what worked for your neighbour, colleague, or friend, it’s the one that aligns with your goals, timeframes, attitude to risk and overall financial plan.

There’s no right or wrong blanket answer, only what works best for you.

Watch the video to understand the key considerations and how to make a more informed decision.

📞 02381 102094
https://voyagefinancialplanning.co.uk



Your home may be repossessed if you do not keep up repayments on your mortgage.

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.

Approved by 2plan wealth management Ltd on 13/05/2026.

03/06/2026

One of the biggest challenges for self-employed individuals is balancing today’s demands with long-term financial security. Without employee benefits, workplace pensions, or predictable income, it’s easy for future planning to slip down the priority list.

Here are three areas we encourage self-employed clients to focus on:

1️⃣ Separate business and personal finances - This creates better visibility, simplifies tax management, and helps you understand what you’re truly earning.

2️⃣ Build for tax before the deadline arrives - This can help reduce stress and avoid financial pressure when tax payments are due.

3️⃣ Don’t neglect long-term protection and retirement planning – With no employer safety net, pensions, savings, and protection become even more important.

Being self-employed offers flexibility and independence, but it also means taking ownership of your financial future in a different way.

Planning ahead can help create stability, resilience, and more freedom in the long run.

If you’re self-employed and want tailored advice, Voyage Financial Planning is here to help. Get in touch with our friendly team of advisers.

📞 02381102094
✉️ [email protected]
https://voyagefinancialplanning.co.uk/life-changing-events/self-employment/



HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. The Financial Conduct Authority does not regulate tax planning

Approved by 2plan wealth management Ltd on 29/05/2026.

02/06/2026

Knowing what you want from retirement is a key part of building a plan that works. 👀

In this short video, Chris looks at why setting clear retirement goals often gets delayed, and why tackling it sooner rather than later can put you in a much stronger position.

He also explains:

✔ What holds people back from defining their goals

✔ Why early planning can make a real difference

✔ How regularly reviewing your plans helps keep you on track

If retirement planning is on your mind and you’re not sure where to begin, leave your questions in the comments- we’re here to help.



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.

Approved by 2plan wealth management Ltd on 20/04/2026.

01/06/2026

What makes a good financial adviser?

In our view, good financial advice starts with understanding people.

Every client comes to us with different goals, concerns, responsibilities, and experiences with money. That’s why we believe advice should never feel generic or transactional. It should feel personal, collaborative, and clear.

For us, that means:
💙 Taking time to understand your circumstances properly
💙 Empowering you to make informed decisions
💙 Building long-term relationships based on trust
💙 Providing tailored advice that evolves as your life changes

Good financial advice is about clarity, confidence, and finding someone who genuinely understands what matters to you.

Looking for a financial adviser that ticks these boxes? We’d love to hear from you.

📞 02381102094
✉️ [email protected]
https://voyagefinancialplanning.co.uk/



Approved by 2plan wealth management Ltd on 29/05/2026.

27/05/2026

Did you know that millions of pension pots in the UK are sitting forgotten or unclaimed?

In this short clip, we talk about why these pensions aren’t just numbers, they belong to real people and could play an important role in the future they’re planning towards.

As jobs change and life moves on, it’s easy for pensions to slip out of view. Taking time now to track them down and review what you have can help you see the full picture and check whether your money is really working for you.

👉 If you’d like help locating old pensions or reviewing what you already have, get in touch with us today.

www.voyagefinancialplanning.co.uk



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. Approved by 2plan wealth management Ltd on 16/04/2026.