Redwood Financial Family Wealth & Estate Planners Ltd

02/11/2026

Will your children inherit your share of the family home when you die? Or could it automatically pass to someone else? 🏡

It's a question many homeowners never think to ask!

Imagine you've remarried and have children from a previous relationship. Naturally, you want your spouse to be secure in the family home, but you also want to protect your children's inheritance.

Here's something you might not realise.

If you own your home as Joint Tenants, your interest in the property automatically passes to the surviving owner when you die, regardless of what your Will says.

But there is another option.

Owning your home as Tenants in Common could give you greater control over who ultimately inherits your share, helping you protect the people you love.

The process of changing how your property is owned is called Severance of Joint Tenancy, and it can be an important part of Estate Planning.

We've explained 7 things every homeowner should know, including how property ownership affects your Will, your spouse and your children's inheritance, in our latest blog.

👉 Could the way you own your home put your family's inheritance at risk? Read our latest article to find out.

Find out more: https://zurl.co/20Fgv

29/10/2026

🏡 New home. Same Redwood. A very exciting new chapter!

The boxes are (mostly!) unpacked, the kettle's on, and we're delighted to welcome you to Redwood House!

We've officially moved into our new home in Whiteley, and we couldn't be more excited about what comes next.

We've outgrown our old offices, so this move is about much more than a change of address. It's about creating an even better place to welcome our Clients, bring our team together and continue looking after you and your families for generations to come.

We're still the same friendly Redwood team you know, just with a little more room to grow!

Our new address:
📍 Redwood House, 1480 Parkway, Solent Business Park, Whiteley, Fareham, Hampshire, PO15 7AF
📞 01489 877 547 (Unchanged)

We can't wait to welcome you through the doors and show you around.

Welcome to the next chapter of Redwood Financial! ❤️

28/10/2026

📦 We've arrived! Now, where did we put the kettle? ☕

The removal van has arrived in Whiteley, the boxes are coming in, and Redwood House is officially a hive of activity!

Desks are being assembled, cupboards are being filled, and everyone is trying to remember which box contains what.

It's a little bit chaotic, but there's a lot of excitement too!

We can't wait to show you around once we've found everything and made ourselves at home.

Redwood House, here we come! ❤️

28/10/2026

🚚 And we're off!

The boxes are packed, the removal van has left, and the Redwood team is officially on the move!

After 14 wonderful years at St Clair's Farm, we're saying goodbye to the place we've called home since 2012.

Our old home is now just an empty office space. 😥

We're bringing plenty of memories with us, along with a few things we're fairly sure nobody's used in years!

It's all hands on deck today as we swap Droxford for Whiteley.

Next stop... Redwood House! 🏡

Watch this space for more moving day adventures!

27/10/2026

📦 We're packing up and moving on!

After many happy years at St Clair's Farm, it's finally time to pack up our desks, load the boxes, and get ready for an exciting new chapter!

Tomorrow, Wednesday 28th October, is moving day!

To give our team time to make the move, our office will be closed for the day, and the phone lines will be switched to our answering machine. Please leave us a message, and we'll get back to you as soon as we can.

From Thursday 29th October, you'll find us at our lovely new home:

📍 Redwood House, 1480 Parkway, Solent Business Park, Whiteley, Fareham, PO15 7AF
📞 01489 877 547 (Unchanged)

Same friendly faces. Same personal service. Just a brand-new place to welcome you!

Wish us luck. We have a feeling there might be quite a few boxes! 📦

26/10/2026

Are your savings working as hard as they could be?

You’ve worked hard to build up your savings, but are you making the most of them?

Whether you’re saving for retirement, putting money aside for your family, or simply looking to make your money go further, choosing the right type of ISA could make a real difference.

But with Cash ISAs, Stocks and Shares ISAs and different tax benefits to consider, how do you know which is right for you?

We've put together a straightforward overview on our website to help you understand your options, potential benefits, and what to consider before you decide.

A few minutes of reading could help you make more informed decisions about your financial future.

Read our guide here: https://zurl.co/aMfxc

22/10/2026

Crystallising your Pension sounds technical. The decision behind it can be life-changing.

Crystallising your Pension usually means accessing Pension benefits. That could include taking tax-free cash, moving funds into drawdown, buying an annuity, or taking certain lump sums.

It does not always mean cashing everything in. You may be able to crystallise part of a Pension and leave the rest invested.

Tax-free cash can be useful, but it should have a purpose. Taxable Pension income is different and can affect your Income Tax position. Accessing taxable income flexibly can also trigger the Money Purchase Annual Allowance, which may restrict future Pension saving.

The danger is not crystallising your Pension. The danger is crystallising it without knowing what problem you are trying to solve.

Before acting, the Pension should be reviewed alongside Cash Savings, ISAs, Investments, tax, income needs, death benefit nominations and long-term Retirement Planning.

Your recommended actions....

Book a Pension Planning review before crystallising benefits. https://zurl.co/CRPDG

Watch our Pensions and Retirement Planning Webinar at https://zurl.co/ypB8p

19/10/2026

What happens to an inheritance if the person you left it to dies before you, or can't be found?

Would their inheritance automatically go to their children? Could it end up with someone you never intended? And what happens if they're still alive, but nobody knows where they are?

These situations can cause real headaches for families, especially when they're already dealing with the loss of someone they love.

When you make a Will, you want to know that your wishes will be followed and that the people you care about will be looked after. But as we all know, life doesn't always go to plan!

The good news is that a little forward planning can make things much easier for everyone.

In our latest blog, we explain what happens in these situations, the responsibilities your Executors have, and how you can help avoid unnecessary complications for your family.

If it's been a few years since you last reviewed your Will, pop the kettle on and have a read. It's a few minutes well spent!

Read the full article here: https://zurl.co/nRLCj

Discover essential steps and key considerations if a beneficiary passes away. Learn how to navigate this challenging situation effectively. Read more.

15/10/2026

Cash ISA vs Stocks & Shares ISA: Is your money safe in cash, or quietly losing value to inflation?

Cash ISAs and Stocks & Shares ISAs are both tax-efficient wrappers, but they serve different purposes.

A Cash ISA can be suitable for emergency Savings, short-term goals and money you cannot afford to see fall in value. It is about access and certainty.

A Stocks & Shares ISA may be more suitable for longer-term goals where you can accept Investment risk and market volatility. It gives money the opportunity to grow, but the value can go down as well as up.

Cash can protect the number on your statement. It does not always protect what that money can buy in the future. Inflation can quietly erode long-term Savings if too much money sits in cash for too long.

The right answer depends on your goal, time horizon, risk tolerance and how much emergency cash you need.

Your Recomended Actions....

Arrange a Financial Planning review to decide how much should sit in Cash Savings and how much could be invested through ISAs for longer-term goals. https://zurl.co/c1LFU

Watch our Savings & Investments Planning Webinar at https://zurl.co/XGwbL

12/10/2026

Income Tax After Death: What Executors Need to Know

Most families think about Inheritance Tax when someone dies.

But Income Tax can also be an important part of Probate and Estate Administration.

Executors may need to review the deceased person’s Income Tax position from 6 April up to the date of death. This can include income from Pensions, Savings, Investments, dividends, rental property, employment, or self-employment.

In some cases, the Estate may be due an Income Tax refund. In others, additional tax may be due.

Income Tax can also arise during Probate if the Estate continues to receive bank interest, Investment dividends, rental income, or other taxable income before assets are distributed to beneficiaries.

This matters because Executors are responsible for ensuring tax affairs are properly handled before distributing an Estate.

If Income Tax is overlooked, an Executor could become personally responsible for unpaid tax.

Our latest article explains what Executors and families need to know about Income Tax after death, HMRC reporting, Probate, Estate income, and why careful record-keeping matters.

Read the full article here: https://zurl.co/lVDPz