TPD Wealth Management Ltd

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TPD Wealth Management Ltd Whatever the future brings, we'll strive to produce tailored solutions as individual as you are.

We offer free of charge Pension Reviews to help people potentially boost their income in retirement. This will look at the effect of pension charges on your funds, and see if you can benefit from transferring to a more competitively charged pension.

5 useful tips for avoiding headline-driven decisions ahead of the Budget:1. Limit your exposure to the news and social m...
16/10/2026

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

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:1. Will your estate be liable for...
14/10/2026

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:

1. Will your estate be liable for Inheritance Tax?
2. Would the withdrawal be subject to Income Tax?
3. How do you intend to use the money?
4. How might a large withdrawal affect your long-term income?
5. Are there other strategies you could use to reduce Inheritance Tax on your pension?

Read our blog, linked below, to learn more.

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

We often get asked: if you've got a little spare money at the end of every month, what's the best way to use it?A common...
12/10/2026

We often get asked: if you've got a little spare money at the end of every month, what's the best way to use it?

A common choice is to use the extra cash to overpay your mortgage. However, this money could also be used for other things, such as saving or investing. So which is the right option for you?

There isn't a universal answer, but if you're weighing up your decision, read our blog, linked below, to discover the pros and cons of overpaying your mortgage.

https://tpdwealth.co.uk/is-overpaying-your-mortgage-the-right-financial-move/

Are you neglecting your personal finances in favour of focusing on your company?Your business may be among your largest ...
09/10/2026

Are you neglecting your personal finances in favour of focusing on your company?

Your business may be among your largest financial assets, but it is important to remember that your personal finances exist separately.

Taking time to review your own financial plans can help you make more informed decisions and ensure your personal goals remain on track.

Read our blog, linked below, to discover 5 important tasks you should consider completing this year if you haven't already.

https://tpdwealth.co.uk/the-personal-finance-tasks-business-owners-should-complete-before-the-end-of-2026/

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the...
07/10/2026

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

What are you planning to do after you exit your business?Entrepreneurs often find that their personal goals and finances...
05/10/2026

What are you planning to do after you exit your business?

Entrepreneurs often find that their personal goals and finances become entwined with those of the business.

So, once you exit the business, it might feel like starting over from scratch.

Making what comes next part of your exit strategy could make the transition easier and allow the business decisions you make to support your lifestyle goals.

Read our blog, linked below, to discover why selling your business isn't the finish line and how to prepare for what comes after.

https://tpdwealth.co.uk/business-owners-selling-your-business-isnt-the-finish-line/

1 in 5 savers aged over 65 are passing on cash to their loved ones to reduce a potential Inheritance Tax bill, according...
02/10/2026

1 in 5 savers aged over 65 are passing on cash to their loved ones to reduce a potential Inheritance Tax bill, according to Paragon Bank.

However, gifting assets during your lifetime does not always mean they are immediately outside your estate.

Some gifts may be treated as potentially exempt transfers, which means they could still be liable for Inheritance Tax if you pass away within seven years.

Read our blog, linked below, to understand when Inheritance Tax could apply to gifts.

https://tpdwealth.co.uk/explained-when-inheritance-tax-could-apply-to-gifts/

2 upcoming ISA changes you should be aware of:1. The Cash ISA limit will reduce to £12,000 for under-65s2. Interest earn...
30/09/2026

2 upcoming ISA changes you should be aware of:

1. The Cash ISA limit will reduce to £12,000 for under-65s
2. Interest earned on cash held in non-cash ISAs will be subject to 22% tax

Although ISAs remain a popular and tax-efficient way to save and invest, these changes could affect how you use your allowance from April 2027.

Read our blog, linked below, to find out how the changes could affect you.

https://tpdwealth.co.uk/2-upcoming-isa-changes-you-should-be-aware-of/

From 6 April 2027, many unused pension pots will be included in Inheritance Tax calculations.Since the government announ...
28/09/2026

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

Is overpaying your mortgage the right financial move?Most people taking out a mortgage choose a repayment option. Assumi...
25/09/2026

Is overpaying your mortgage the right financial move?

Most people taking out a mortgage choose a repayment option. Assuming you keep up with your repayments, you'll own the property outright at the end of the term.

It's a milestone many families look forward to, so if you've got some extra cash, you might consider overpaying to get there sooner.

However, there are other ways to use this additional money. So which option is right for you?

Read our blog, linked below, to learn more about the pros and cons of overpaying your mortgage.

https://tpdwealth.co.uk/is-overpaying-your-mortgage-the-right-financial-move/

Address

30 Great Underbank
Stockport
SK11NB

Opening Hours

Monday 9:30am - 6:30pm
Tuesday 9:30am - 6:30pm
Wednesday 9:30am - 6:30pm
Thursday 9:30am - 6:30pm
Friday 9:30am - 3:30pm

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