Tailored Financial Planning Ltd

02/11/2026

Did you know that jewellery, furniture and even shares can count as gifts for Inheritance Tax purposes?

When we think about financial gifts, cash often comes to mind first. However, giving away valuable possessions or property can also have implications for your estate.

Research shows that 59% of over-55s don't realise that furniture, jewellery and antiques can count as gifts for Inheritance Tax purposes.

Understanding what qualifies as a gift, and keeping accurate records, can help avoid unnecessary complications for your family.

Find out more in our latest article: https://shorturl.at/hizti

30/10/2026

🍬 Trick or treat? When it comes to your finances, we'd always prefer a treat!

🎃 Trick: Leaving your retirement planning until the last minute.

🍬 Treat: Regularly reviewing your pension and retirement goals.

🎃 Trick: Not knowing where your money goes each month.

🍬 Treat: Having a realistic budget and savings plan.

🎃 Trick: Hoping your finances will take care of themselves.

🍬 Treat: Getting professional financial advice to help you plan ahead.

A little preparation today can help you avoid some nasty surprises tomorrow!

Happy Halloween from the Tailored team!

28/10/2026

🔒 Protecting Your Pension

Pension scams are becoming increasingly sophisticated. 🚩 Learn how to spot the warning signs, protect your retirement savings, and make informed financial decisions.

📖 Check out our latest blog for tips on safeguarding your retirement wealth.

https://www.tailoredfp.co.uk/uncategorised/safeguarding-your-retirement-wealth/

28/10/2026

Retirement isn’t just about how much you’ve saved. It’s also about how you use it.

Taking too much from a pension too quickly could create an unnecessary tax bill - and leave less available for later life.

For couples approaching retirement, it can help to look at the bigger picture together:

• What income will you need?
• What other savings or investments do you have?
• Which assets should you draw from first?
• How might your spending change over time?
• What unexpected costs should you allow for?

A coordinated retirement plan can help you make informed decisions rather than looking at each pension in isolation.

Our latest article explains more 👇
https://shorturl.at/cRkjo

26/10/2026

A pension balance can look reassuring. But is it actually enough?

Knowing how much is in your pension is only part of the picture.

What really matters is the income that money could provide — and whether that income is likely to support the retirement you want.

That means considering things like:

• how much you’re contributing
• how your pension is invested
• the effect of charges
• inflation
• how long your money may need to last

If there’s a potential shortfall, identifying it early gives you more time to do something about it.

Our latest article looks at five important questions to ask yourself before retirement.

Read it here 👇
https://shorturl.at/HEtjc

22/10/2026

54% of over-55s have no record of financial gifts they've made in the past seven years.

Giving money or valuable possessions to loved ones can make a real difference, but failing to keep accurate records could create complications when it comes to Inheritance Tax (IHT).

New research reveals that many people underestimate the importance of documenting gifts, potentially leaving their families with additional paperwork, delays and uncertainty.

Our latest article explores why keeping records matters and how a little preparation now could make things easier for loved ones in the future.

Read more: https://shorturl.at/hizti

22/10/2026

We’re always grateful when clients take the time to share their experience ❤️

20/10/2026

We’re proud to support such a meaningful cause 💚🌳

✨Thank You Tuesday ✨

We’re incredibly grateful to Tailored Financial Planning Ltd for continuing their support of Willowbrook Hospice by sponsoring our Memory Tree for another year. 🍂

Pictured are Laura and Daniel from Tailored Financial Planning, who shared why supporting the hospice means so much to them:

“We’re delighted to support Willowbrook Hospice and the amazing work they do for local families. The care, compassion and support they provide make a real difference to people when they need it most.

Being involved with Willowbrook Hospice is incredibly rewarding for our team. It gives us the opportunity to support a charity that is at the heart of our community, while helping to ensure their vital services continue to be available for those who rely on them. We’re proud to play a small part in supporting such a special organisation.”

A huge thank you to Laura, Daniel and everyone at Tailored Financial Planning for their continued generosity and commitment to our hospice. Your support helps us continue providing vital care to those with life limiting illnesses and support to local families when they need it most. 💚💙

See link in comments for more information or to make your dedication.

19/10/2026

It’s often the everyday costs that add up the most.

When we think about the cost of raising a child, it’s easy to focus on the big-ticket expenses - childcare, school fees or university.

But family finances are also shaped by hundreds of smaller, regular costs.

Food. Clothes. Transport. Activities. School trips. Utilities. Days out.

Individually, they may not feel huge. Over 18 years, they can make a significant difference.

That’s why planning for a family isn’t just about saving for one future milestone. It’s about building enough flexibility into your finances to manage changing costs as your children grow.

Our latest article takes a closer look at the true cost of raising a child in 2026.

Read more 👇
https://shorturl.at/FoFLf

15/10/2026

Helping your children shouldn’t mean forgetting about your own financial future.

When planning for private school or university costs, it can be tempting to focus entirely on building the biggest education fund possible.

But good financial planning looks at the bigger picture.

🫰How much will you realistically need?
📅When will you need it?
📈Should the money be saved or invested?
💰️And can you afford to fund those costs without compromising retirement, emergency savings or other priorities?

Our new guide takes a closer look at how to build education costs into your wider family financial plan.

Read it here 👇
https://shorturl.at/j3zMa