True Potential Wealth Management

26/05/2026

03/05/2026

Most people think pension contributions are capped at £60,000 a year.

That is the annual allowance. But it is not the full picture.

If you have not used your full pension allowance in the last three tax years, you can carry the unused amount forward and add it to this year's limit.

That means some people could contribute up to £240,000 in a single tax year and still receive full tax relief on it.

A few things worth knowing:

✅ You must have been a member of a registered pension scheme in the years you are carrying forward from

✅ This year's allowance must be used in full first

✅ Carry forward can go back three tax years

It is one of the most underused reliefs in pension planning.

Most people simply do not know it exists?

02/05/2026

Plan today for tomorrow’s retirement needs to ensure your future goals are on track.

25/04/2026

Hundreds of financial plans built.

And after all of that…

Here are 10 things I will never do with my own money:

1. Day trade
2. Buy individual stocks
3. Try to time the market
4. Chase get-rich-quick schemes
5. Hold excess cash while inflation eats it away
6. Let market crashes dictate my long-term plan
7. Invest in something I couldn’t explain to a child
8. Take advice from a “finance guru” selling a course
9. Ignore employer pension contributions (free money)
10. Ignore protecting my income and family against the biggest risks

None of this is complicated.
But that’s the point.

The best financial plans I’ve seen over the last decade weren’t clever.

They were:

• Boring
• Consistent
• Tax-efficient
• Built to survive bad decisions

Behaviour is the biggest factor determining your financial success.

Panic selling.
Chasing trends.
Overconfidence.
Listening to the wrong voices.

That’s what destroys wealth.

Especially now.

Where:

• Noise is constant
• “Experts” are everywhere
• And everyone thinks they need to do more

You don’t.
You need to do less… better.

Avoid the obvious mistakes.

Repeat the fundamentals.

Give it time. That’s it.

19/04/2026

Are your financial goals on track for now and more importantly the future. This could be retirement planning to ensure you have enough to maintain your standard of living. Don’t leave it until it’s too late ?
For a no obligation discussion or a meeting please do not hesitate to contact me Stuart Kerrod Financial Adviser on my details below. Fully qualified, regulated and with over 20 years experience in financial services.

19/04/2026

Good financial planning is not product-first. It starts with objectives, timescales, cash flow, risk and the outcomes you want to achieve. Products and wrappers only make sense once the wider picture is clear. If you would benefit from a more structured plan, please get in touch.

Capital at risk.

07/03/2026

Have you used your personal allowances for the current tax year? Do you need to review any potential inheritance tax concerns you may have?
To discuss further please call me Stuart Kerrod Financial Adviser on my details below.