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Annetts & Orchard

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Annetts & Orchard

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Annetts & Orchard are Independent Financial Advisers. We specialise in helping clients create financial plans for their retirements. FCA No. 820272

Our advice is based on honesty and simplicity. Our solutions will always be as complicated as necessary, yet as simple as possible. Annetts & Orchard is authorised and regulated by the Financial Conduct Authority.

03/11/2026

4 steps to take before your child can access their JISA:

1. Talk to them about the goals you had when setting it up
2. Listen to how they might want to use the money - and plan together
3. Consider a gradual approach to handing over control
4. Demonstrate the value of leaving their JISA untouched

Read our blog, linked below, to learn more.

https://www.annettsandorchard.co.uk/4-steps-to-take-before-your-child-can-access-their-jisa/

27/10/2026

Could Capital Gains Tax take more of your wealth than you expect?

According to the Office for Budget Responsibility, HMRC is forecast to collect £29.8 billion in Capital Gains Tax by 2030/31, more than double the £13.7 billion collected in 2024/25.

With the Annual Exempt Amount now just £3,000 and tax rates higher than they were a few years ago, more people could find themselves with a bill when disposing of investments, property, or other assets.

Read our latest blog, linked below, to discover 5 ways you might reduce a future Capital Gains Tax liability.

https://www.annettsandorchard.co.uk/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

20/10/2026

5 useful tips for avoiding headline-driven decisions ahead of the Budget:

1. Limit your exposure to the news and social media
2. Remember that speculation isn’t the same as policy
3. Keep in mind that not all potential changes will be relevant to you
4. There’s often a transition period before new policy is introduced
5. Build in a delay before you act on decisions

Read our blog, linked below, to find out more.

https://www.annettsandorchard.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

13/10/2026

3 psychological reasons you might prefer cash to investments:

1. Market movements can make investing feel uncertain
2. The fear of losing money could mean you favour cash
3. Cash is tangible, which may make it feel safer

Read our blog, linked below, to learn more about why cash might feel safer, and the potential impact of overlooking investing.

https://www.annettsandorchard.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

06/10/2026

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the Autumn Budget.

The weeks leading up to an Autumn Budget always feature rumours about what might change and how it could affect personal finances.

With this Budget being the first for Prime Minister Andy Burnham and Chancellor John Healey, speculation is particularly rife.

To discover how you can avoid headline-driven decisions in the run-up to the Budget, click the link below.

https://www.annettsandorchard.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

15/09/2026

For many UK business owners, retirement planning takes a back seat to growing the business itself.

Indeed, according to Financial Planning Today, 3 in 10 business owners have no pension at all.

When you're focused on managing cash flow, staff, and profits, it's easy to assume the eventual sale of your business will provide everything you need for retirement.

But relying solely on your business as your retirement plan could be risky.

Read our blog, linked below, to discover 4 practical reasons why business owners could benefit from having a pension strategy in place.

https://www.annettsandorchard.co.uk/4-practical-reasons-why-business-owners-could-benefit-from-a-pension/

08/09/2026

Do you want to create a legacy by passing assets to your loved ones?

There's more than one way to do it, and you might want to combine several different options.

Read our blog, linked below, to discover 4 methods for transferring some of your wealth to loved ones.

https://www.annettsandorchard.co.uk/4-ways-you-could-choose-to-pass-on-assets-to-loved-ones/

01/09/2026

From 6 April 2027, many unused pension pots will be included in Inheritance Tax calculations.

Since the government announced the change in the 2024 Autumn Budget, an increasing number of people have opted to withdraw their tax-free lump sum from their pension as soon as they can.

However, taking funds early might not be as tax-efficient as you think.

Before rushing to withdraw your lump sum, it's important to answer these 5 questions. Click the link below to find out what they are.

https://www.annettsandorchard.co.uk/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax/

25/08/2026

Retirement is a significant life transition.

Some of the financial habits that served you well during your working life might no longer suit your retirement lifestyle.

Sticking to your current financial habits could mean you miss out on opportunities to enjoy your retirement, or even mean you risk using up your savings too soon.

Read our blog, linked below, to find out why.

https://www.annettsandorchard.co.uk/why-you-could-benefit-from-reviewing-your-financial-habits-as-you-transition-into-retirement/

18/08/2026

4 simple ways to stick to your investment strategy:

1. Refer back to your investment strategy when making decisions
2. Focus on long-term results to reduce the effect of emotions
3. Review your decisions alongside investment performance
4. Work with your financial planner

Read our blog, linked below, to find out more.

https://www.annettsandorchard.co.uk/the-factors-that-influence-your-investment-style-and-how-to-take-control/

Address

31 Castle Street
Salisbury
SP11TT

Opening Hours

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

Telephone

+441722338801

Website

http://www.annettsandorchard.co.uk/

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