Sawbridge Financial Planning

13/10/2026

01/10/2026

More big news on pensions…

Triple lock ❌

Double lock ✅

Coming soon… but these changes might not be the biggest ones if you’re in your 40’s or younger.

Taking care of your own retirement plan has never been more important - make sure you are.

… and make sure you’re following me if you like being kept up to date with anything that impacts your finances 🫡

29/09/2026

This will make things WAY better.

Finding old pensions can be a faff. You currently need to know who you worked for and when and then head to www.gov.uk/find-pension-contact-details and go from there.

Bit long, bit annoying, really worth doing though to make sure old pensions are working hard for you.

From next year though, a new dashboard should make it far easier, meaning there’ll be no excuse not to have a look at old pensions and stay on top of them.

I’ll keep you posted on any further developments, but it should be here next year.

If you like useful updates about your money and you’re new around here, drop a follow 🫡

22/09/2026

Maybe it’s just me 🤷🏻‍♂️

What are your thoughts? 🤔

16/09/2026

These numbers are no joke.

To stop your money and your wealth from diminishing, there are some basics to consider.

Making sure you’re funding your retirement properly - most of these ever-increasing costs don’t disappear when you stop working.

Making spare money work hard, considering investing it rather than leaving it in accounts that won’t make it grow.

Making sure that creating a financially stable tomorrow is built into your budgeting before spending everything on today.

Deciding if getting some proper advice would help, rather than guessing and hoping for the best.

… and following useful accounts from qualified financial advisers for useful tips along the way (that’s your hint to go hit follow if you’re not already 😉🤣).

Be sensible out there people. Life is getting more expensive and it’s, sadly, only going one way.

11/09/2026

Have you got your ducks in a row?

Of course, it’s not always quite this simple - but these are the key considerations, in the right order, to make sure you’re on track.

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10/09/2026

Might be a lot.

Might not be. 🤣

If I were to speculate, I’d say we might see some news around:

👉 Higher tax on wealth and investment income. There’s a good chance Capital Gains Tax changes might feature and we may see other changes around wealth tax.

👉 Banks being taxed more heavily, either as a one off windfall tax or on an ongoing basis - if this happens, it may have a knock on effect on the value provided for customers

👉 Income tax thresholds. My hope is that they finally look at increasing the amount we can all earn before paying tax. My fear is that they extend the freeze for even longer than planned. We’re likely to hear about it either way.

There may be more that comes.

What should you do? Well, nothing, yet. You should never make financial decisions based on rumoured changes, so sit tight for now and let’s wait and see.

Whatever happens, I’ll be sure to keep you updated on what you need to know and how it impacts you and your finances - follow me to be kept up to date 🫡

07/09/2026

Easy to make mistakes that can cost you dearly.

Make sure you diversify… and that your time horizon is nice and long, and you’ll drastically change the outcomes you get from investing.

Follow me for simple tips on getting your money right 🫡

28/08/2026

Things to keep an eye on.

Changes are coming.

Pensions, savings, ISAs. Six months until big changes come.

More videos coming soon explaining those changes… amongst other things.

It’s been a busy summer 😅 I hope you’ve all had a good one.

Oh, and if you’re new here and having your money explained simply in a Black Country accent sounds like your cuppa tea, giz a follow 🫡

25/08/2026

The ISA allowance isn’t disappearing, but the rules are changing.

From April 2027, under-65s will be limited to £12,000 per year into Cash ISAs, while the overall ISA allowance remains £20,000.

But here’s the bigger point…

Cash and investments do different jobs.

Money you might need soon generally shouldn’t be exposed to unnecessary investment risk.

Money you’re unlikely to need for many years may face a different risk: inflation slowly reducing what it can buy.

Good financial planning is about putting the right money in the right place for the right timeframe.

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