Caroline Laudren Quillet - Independent Financial Adviser

Caroline Laudren Quillet - Independent Financial Adviser I help Individuals and Business owners with their financial needs.

With 15 years of experience in Financial Services, I help clients understand a range of topics, including: Savings & Investments, Pensions, Estate Planning, Retirement & Life Planning.

02/07/2026

📊 **The UK economy continues to evolve – but what does it mean for your finances?**

The latest economic figures show the UK economy grew by **0.6% in the first quarter of 2026**, with the services sector leading the way.

However, beneath the headline figures, several important developments could affect individuals and families, including:

📈 Economic growth and consumer spending
💷 Proposed ISA reforms and what they could mean for savers
🏡 Changes being considered for first-time buyers
👶 A reminder for anyone with an unclaimed Child Trust Fund
📊 The wider economic outlook and government policy

With the financial landscape continuing to change, staying informed has never been more important.

At Consequential Planning, we believe understanding these developments is the first step towards making confident financial decisions.

👉 Read the full article to explore the latest updates and what they could mean for you. https://cnsq.co.uk/2026/07/01/news-in-review-284/

How do we pay for care costing £4,500 every month?Last month, I met two sisters whose mum had recently moved into a spec...
02/07/2026

How do we pay for care costing £4,500 every month?

Last month, I met two sisters whose mum had recently moved into a specialist care home after dementia sadly progressed to the point where she could no longer live safely at home.

For 10 months, they had cared for her between them, but eventually it became too much.

Thankfully, they had Lasting Powers of Attorney in place, making it much easier to make decisions on their mum's behalf.

The biggest question was how to fund the care fees. Savings were running low, and the family home was their mum's only remaining significant asset.

We talked through their options, the process and the next steps. I introduced them to a trusted local estate agent, and the house is now being sold. More importantly, they're in control of the process and can continue to keep their mum in the care home they chose for her.

This is what financial planning is about. It's not always investments or pensions—sometimes it's helping families navigate some of the most difficult decisions they'll ever face.

Every situation is different, and the rules around funding long-term care can be complex. If you're unsure about your options, speak to a financial adviser before decisions become urgent.

💙 Planning ahead can make a difficult time just that little bit easier.

Consequential Planning Ltd

💡 Sometimes the biggest financial wins come from a simple conversation. What is Salary sacrifice sorry?Last month, I spo...
30/06/2026

💡 Sometimes the biggest financial wins come from a simple conversation. What is Salary sacrifice sorry?

Last month, I spoke with two clients who were making pension contributions through PAYE and had heard the term "salary sacrifice" before, but weren't entirely sure what it meant or whether it was relevant to them.

After discussing how it works, both discovered they had the option to switch to salary sacrifice through their employer. This could potentially reduce the amount of taxes they pay and increase the amount going into their pension.

One of these clients originally came to me to discuss investing through a Stocks & Shares ISA. However, I believe financial planning works best when we take a holistic view of someone's situation rather than focusing solely on the product they initially enquire about.

By taking the time to discuss pensions, tax planning, investments and longer-term goals, we identified an opportunity that could have a meaningful impact on her retirement savings before investing a single pound elsewhere.

Sometimes the most valuable advice isn't about finding a new solution—it's about making sure you're getting the most from the options already available to you. 👌

If you've heard terms like "salary sacrifice" but aren't quite sure how they apply to you, it may be worth having a conversation.

The second client is investing and consolidating her pension, if there is a need, and it makes sense, it just usually happens!

Consequential Planning Ltd

29/06/2026

💷 How Much Will You Need in Retirement?

It's one of the most important financial questions you'll ever ask yourself.

Yet many people spend more time planning their next holiday than planning their retirement.

Recent research suggests that only a small percentage of people are currently on track to achieve a comfortable retirement lifestyle.

The reality is that retirement planning isn't just about pensions.

It's about understanding:
✔ What lifestyle do you want
✔ When you want to retire
✔ What income you'll need
✔ Whether your current plans will get you there

The earlier you start planning, the more options you create for your future self.

If you're not sure whether you're on track, now could be the perfect time to review your plans.

25/06/2026

There is nothing more rewarding than getting recognized thanks and only from our client feedbacks and reviews!

VouchedFor is a platform that allow you to find experts in their field and read about their services but more importantly their reviews - this list has been published in The Telegraph for the all England but also for our region Midlands.

We care about what we do from the first meeting to the ongoing ones. 💫

To my clients, thank you for your trust and also taking the time to share your experience so others can feel comfortable when they reach out. 👏

"Yes, he has given his notice in 😄"That was the message I received from a client this month. When we first met, he had o...
24/06/2026

"Yes, he has given his notice in 😄"

That was the message I received from a client this month. When we first met, he had one question: "Can I retire now? At 55."

He was ready. Ready to stop working, spend more time with his wife, enjoy his grandchildren and have more time for himself.

The challenge? There was a significant gap to bridge before State Pension age at 67. Like many people, he wasn't sure whether retiring early was realistic or whether he would run out of money.

This is where cashflow planning becomes invaluable.

By understanding their assets, income needs and future goals, we were able to model different scenarios and build a plan that gave them confidence in their future.

This couple set themselves a goal of retiring in 2026. In a few months, when his wife turns 55 and we have her retirement arrangements in place, she plans to do the same. ✅✅

Financial planning isn't just about pensions and investments.
Sometimes it's about giving people the confidence to start the next chapter of their lives.

💰 Have you used your pension Carry Forward allowance?Many people are aware of the Annual Allowance, but far fewer realis...
22/06/2026

💰 Have you used your pension Carry Forward allowance?
Many people are aware of the Annual Allowance, but far fewer realise they may be able to contribute significantly more to their pension using Carry Forward.

📌 What is Carry Forward?
Carry Forward allows you to use any unused Annual Allowance from the previous three tax years, potentially enabling much larger pension contributions than would otherwise be possible.

However, there are some important rules:
✅ You must have been a member of a registered pension scheme during the tax years from which you are carrying forward unused allowance. Being part of a Defined Benefit pension can counts.
✅ You must first use your Annual Allowance for the current tax year before using any unused allowance from previous years.
✅ Unused allowances are used on a "first in, first out" basis, starting with the oldest tax year.
✅ For personal contributions, you must have sufficient relevant UK earnings to support the contribution (unless employer contributions are being made).

⚠️ Carry Forward can be particularly valuable for:
• Business owners
• Higher earners
• Those receiving bonuses
• Individuals who have recently sold a business or property
• Anyone looking to catch up on retirement savings

I've recently spoken to two clients who will contribute substantially more to their pensions than they thought possible simply by making use of unused allowances from previous years.

Table below has been randomly filled from our client portal Cashcalc - Carry forward calculation tab.
Consequential Planning Ltd

A year ago, I put a plan in place for this couple. This month, we sat down together to review the progress made, discuss...
18/06/2026

A year ago, I put a plan in place for this couple.

This month, we sat down together to review the progress made, discuss what's changed, and make sure everything remains aligned with my client's goals.

Receiving feedback like this is a wonderful reminder that financial planning is about so much more than numbers. It's about helping people feel confident, supported and in control of their future.

Thank you for your kind words and for trusting me to be part of your journey. 😊 This is why I do what I do.

Consequential Planning Ltd

One thing that often catches business owners out with pension planning 👇Your company year-end and your pension annual al...
02/06/2026

One thing that often catches business owners out with pension planning 👇

Your company year-end and your pension annual allowance are NOT based on the same dates.

I recently spoke with someone who thought they could contribute:
• £60,000 before their company year-end in August
• then another £60,000 after August
…and automatically use two separate pension allowances.

But pension annual allowances work on the personal tax year (6 April to 5 April), not the company accounting year.

So if both contributions fall within the same tax year, they may still use the same annual allowance unless carry forward is available.

Timing pension contributions correctly can make a huge difference for:
✔ Corporation tax relief
✔ Pension allowances
✔ Carry forward opportunities
✔ Long-term retirement planning

Sometimes a few weeks’ difference in timing can completely change the outcome.

Pensions can be incredibly tax efficient for company directors — but the detail really matters.

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First Floor, Bewdley Business Centre, , Severn House, Riverside North
Bewdley
DY121AB

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