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Voyage Financial Planning

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Voyage Financial Planning

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Registered office: C/O Vantage Accounting 1 Cedar Office Park, Cobham Road, Ferndown Industrial Estate, Wimborne, BH21 7SB.

Voyage Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority & is entered on the FCA register under no. 992319.

19 Latimer Street, Romsey, SO51 8DF Registered in England and Wales Number: 10889785

03/11/2026

Could a Junior SIPP help with the 2027 Inheritance Tax changes?

From 6th April 2027, proposed changes mean that unused pension funds are expected to come within the scope of Inheritance Tax.

For families looking at how wealth could be passed on to the next generation, this may be a good time to consider whether there are other ways to plan for the future.

One option is making pension contributions for children or grandchildren through a Junior SIPP.

With the right circumstances, contributions can benefit from tax relief and, because the pension belongs to the child, may provide a way of transferring wealth while also giving the next generation a long-term investment.

Of course, there are rules and considerations to understand, including gifting allowances, access restrictions and the long-term nature of pension investing.

Want to understand how it works?

We’ve put together a one-page factsheet explaining the 2027 Inheritance Tax changes and how a Junior SIPP could potentially form part of your wider family planning.

👉 Read it now to find out more: https://loom.ly/-wmj9qw

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.

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.

Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.

For specialist tax advice, please refer to an accountant or tax specialist.

02/11/2026

Financial planning isn't just about the future. It's about making sure you don't forget to enjoy the present.

The best financial plans strike a balance between the two, so that you can enjoy today while feeling confident about the future.

Want to start building the right financial plan for you? Get in touch:

📞 02381 102 094
✉️ [email protected]

31/10/2026

On 28th October, Chancellor of the Exchequer John Healey delivered the Autumn Budget 2026, outlining the Government's plans to address ongoing economic challenges, support households and businesses, and encourage long-term growth.

With announcements covering taxation, the cost of living, energy bills and business investment, the Budget could have important implications for your personal finances and future plans.

Understanding these changes and how they might affect you is an important step towards making informed financial decisions.

📖 Our Autumn Budget 2026 guide breaks down the key announcements and explores what they could mean for you and your business.

Read it here: https://voyagefinancialplanning.co.uk/newsletters/

If you'd like to discuss how the Budget measures may affect your individual circumstances, please get in touch. We're here to help you plan with confidence.

29/10/2026

Will 2027 bring a new era for ISA planning? 🤔

The way we think about pensions and ISAs could change significantly from April 2027, when unused pension funds are expected to come within the scope of Inheritance Tax.

For many years, pensions have been an important part of retirement planning and, in some circumstances, a way of passing wealth to the next generation.

But the changing tax landscape could mean it’s time to look again at how pensions and ISAs work together.

For some people, this may mean reconsidering which assets they draw on first in retirement, how they use tax-free pension benefits, and how they structure savings intended for future generations.

It’s not simply about choosing a pension or an ISA. It’s about understanding how the different tax wrappers can work together as part of your wider financial plan.

Want to understand what the changes could mean for you? Get in touch with the team at Voyage Financial Planning:

📞 02381 102 094
✉️ [email protected]

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.

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.

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.

Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.

For specialist tax advice, please refer to an accountant or tax specialist.

28/10/2026

Have you ever thought about what would happen if your income suddenly stopped?

Imagine waking up tomorrow unable to work because of an illness or injury.

For many households, regular income is what keeps everything moving — from mortgage payments and household bills to everyday spending and longer-term financial plans.

While statutory benefits and employer sick pay can provide some support, they may be limited in both value and duration.

That’s where income protection insurance can play an important role.

It can provide a regular income if you’re unable to work due to illness or injury, helping to protect your financial wellbeing when you need it most.

Because protecting your income can be just as important as protecting the things it pays for.

Want to find out whether income protection could be right for you? Get in touch to discuss your options.

📞 02381 102 094
✉️ [email protected]

The value of insurance policies and the protection they offer may vary depending on the terms and conditions of the policy. Always check the details before committing.

Policy definitions, exclusions and limitations will apply.

Benefits are subject to underwriting and to the terms and conditions of the policy.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

27/10/2026

If you're approaching retirement, it's completely normal to be feeling a little anxious.

You've worked most of your life for a regular income that pays for your bills, lifestyle etc. So it's natural to feel concerned when work is coming to an end, and the way you receive your money changes.

But retirement doesn't have to feel daunting. If you take the time to understand what retirement funds you've built up over the years and put a clear plan in place, you can remove the uncertainty and start to feel more in control.

At Voyage Financial Planning, we want your retirement to feel exciting, not like something to worry about. That's why we're here to help.

If you want help putting a plan in place for when you retire, get in touch with our team today.

📞 02381 102 094
✉️ [email protected]

Approved by 2plan wealth management Ltd on 21/08/2026

26/10/2026

A pension doesn't equal a retirement plan ⚠️

Many of us are paying into pensions each month, but have never actually thought far beyond that. Such as when we want to retire, what income we'll need, and whether we're on track to meet our goals.

To start on the road to retirement planning, ask yourself this question:

👉 What kind of life do you want your money to support?

The next step? Get in touch with our team and we can look into whether you're on track to meet your goals, or what you need to do to get there.

https://voyagefinancialplanning.co.uk/

23/10/2026

Trying to anticipate every rise and fall in the market can make investing feel like a constant guessing game 📈

A long-term approach can provide a more structured way to navigate changing markets. Rather than reacting to short-term movements, investors can focus on diversification, managing risk and keeping their investments aligned with their wider financial goals.

A long-term approach means:

✅ Accepting that market volatility is a normal part of investing
✅ Giving investments time to recover from periods of market uncertainty
✅ Spreading investments across different assets and regions to help manage risk

At Voyage Financial Planning, our investment approach is built around your objectives and circumstances, helping create structured portfolios designed for the long term rather than reacting to short-term market noise.

👉 Learn more at voyagefinancialplanning.co.uk/services/investments

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.

22/10/2026

What's better... overpaying on your mortgage, or investing money to try and make it grow? 🤔

The honest answer? There's no one-size-fits-all solution - the right choice is the one that fits you and your circumstances.

To break it down:

💡 With investment, there are no guarantees. Yes, your money could grow and you'll end up better off in the long-run, but markets fluctuate, so there is always a risk to keep in mind.

💡 By overpaying on the mortgage, you are clearing your balance quicker meaning you'll pay less interest and guaranteeing n overall saving in the long run.

There is no right or wrong, it all depends on your financial goals, attitude to risk, your timeframes, and what is likely to cause you the least stress.

The best thing you can do before making the decision is to thoroughly explore your options and weigh them up against your goals. If you want some added guidance, our team will be happy to help.

📞 02381 102 094
✉️ [email protected]

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 21/08/2026

21/10/2026

Fixed vs Tracker: what’s the right call?

💡 A fixed rate offers certainty - you know exactly what you’ll pay for the term.
💡 A tracker offers flexibility, often without early repayment charges, but leaves you exposed if rates rise.

In today’s market, many are tempted by trackers in the hope of future cuts.

But it’s worth asking: How comfortable are you if rates move the other way?

The “best” choice isn’t about predicting the future - it’s about understanding your capacity for risk.

If you’re weighing up these options, we are happy to talk them through with you.

📞 02381102094
✉️ [email protected]

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

Address

19 Latimer Street
Romsey
SO518DF

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 2pm

Telephone

+442381102094

Website

http://www.voyagefinancialplanning.co.uk/

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