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.

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.

When you can finally bring together a 30-year passion and your work 😊 Very happy to be sponsoring Emily Gieron through C...
29/05/2026

When you can finally bring together a 30-year passion and your work 😊

Very happy to be sponsoring Emily Gieron through Consequential Planning Ltd for her International competition weekend in France!

💡 Did You Know?I learned something new again after meeting with a 75-year-old client who had never claimed his State Pen...
28/05/2026

💡 Did You Know?

I learned something new again after meeting with a 75-year-old client who had never claimed his State Pension 👀

Because he reached State Pension age before 6 April 2016 and deferred claiming it, he may now be able to choose between:
✅ A higher regular State Pension income
or
✅ A lump sum payment instead

He is now looking into taking the lump sum option .

It was a great reminder that pension rules can vary massively depending on when someone reached State Pension age 📅

Sometimes people assume “it’s too late” or that options no longer exist — but that is not always the case.

First time in two years that I meet someone who hasn't claimed his State Pension - Learn every day in this profession! 😊
Consequential Planning Limited

🔎 Approaching Age 75? These were the 3 pension questions I was asked this month…Following two recent client meetings wit...
26/05/2026

🔎 Approaching Age 75? These were the 3 pension questions I was asked this month…

Following two recent client meetings with clients approaching — or just past — age 75, the same questions came up:
💭 “Am I still entitled to my 25% tax-free cash?”
💭 “Can I still contribute into my pension?”
💭 “What happens to death benefits with drawdown vs an annuity?”

These are exactly the types of questions many people are now asking following the pension rule changes from 6 April 2024.

A few important points:
✅ Turning 75 does NOT automatically mean losing access to tax-free cash
✅ Pension contributions may still be possible after age 75 (depending on earnings and allowances) - tax relief doesn't apply.
✅ Death benefits can look very different depending on whether pension funds remain in drawdown or are used to purchase an annuity

Age 75 is an important pension milestone 📅 — but it is not always the “use it or lose it” deadline many people believe it to be.

The rules can be more flexible than expected, but also more complex. And sometimes it gives the opportunity to client to gift some money away.

If you are approaching 75, recently turned 75, or simply want clarity around your pension options, it may be worth reviewing your position properly 👌

Consequential Planning Ltd

📚 Defined Benefit (DB) Pension vs Defined Contribution (DC) Pension… what’s the difference?I often find people know they...
19/05/2026

📚 Defined Benefit (DB) Pension vs Defined Contribution (DC) Pension… what’s the difference?

I often find people know they “have a pension” but are not always sure what type they actually hold — and the differences can be significant when planning retirement.

👉 Defined Benefit (DB) Pension
Also known as a Final Salary or Career Average pension.
This type of pension usually provides:
✔️ A guaranteed income for life
✔️ A set retirement age (often 60, 65 or 67)
✔️ Inflation-linked increases (depending on the scheme)
✔️ Usually the option of a tax-free lump sum
The income is based on factors such as your salary and years of service — not investment performance.

👉 Defined Contribution (DC) Pension
This is a pension “pot” built from contributions and investment growth over time.
With a DC pension:
✔️ The value depends on contributions + investment performance
✔️ You usually have much more flexibility on when and how to take benefits
✔️ You can often take up to 25% tax-free cash
✔️ The remaining fund stays invested and can provide drawdown income
Unlike a DB pension, there is no guaranteed income unless you choose to purchase one.

💡 In simple terms:

DB pensions are generally about security and guarantees
DC pensions are generally about flexibility and control

Both can play a really valuable role in retirement planning — understanding how they work together is often the key. Feel free to contact me if you don't understand your pensions: [email protected]

Very pleased to have been nominated in the 2026 Women in Financial Advice Awards with Professional Adviser in the follow...
18/05/2026

Very pleased to have been nominated in the 2026 Women in Financial Advice Awards with Professional Adviser in the following categories:

• Financial Adviser of the Year – Midlands & East Anglia
• Woman of the Year – Retirement

Running a business often means spending so much time focused on clients, deadlines and day-to-day work (admin!) that you rarely stop to reflect on how far you’ve come.

I’m proud to be building something centred around honest conversations, long-term relationships and helping people feel more confident about their financial future with Consequential Planning Ltd.

Congratulations to all the other nominees — there are some incredibly talented women in this industry. 💛 Let's fill the forms I guess now!

🛡️ Life Insurance vs Critical Illness vs Income Protection… what’s the difference?I was asked twice in the past few week...
18/05/2026

🛡️ Life Insurance vs Critical Illness vs Income Protection… what’s the difference?

I was asked twice in the past few weeks of what they do so a short summary:

👉 Life Insurance
Pays a lump sum if you pass away during the policy term.
Designed to protect your family, mortgage or lifestyle financially. Single policies instead of joint for a couple has shown me its advantages from one case.
💼 If you own a Limited Company, a Relevant Life Policy can often be a very tax-efficient way for the business to provide life cover.

👉 Critical Illness Cover
Pays a lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack or stroke (subject to policy definitions).
This can help cover treatment costs, time off work, mortgage payments or lifestyle adjustments.

👉 Income Protection
Designed to replace part of your income if you are unable to work due to illness or injury.
Rather than a lump sum, it pays a monthly income until you return to work, retire or the policy ends. Can pay for one or two years.
This is often the cover people overlook the most — especially self-employed individuals or business owners whose income stops if they stop working.

Different protections for different risks… but all with the same goal: protecting your lifestyle and financial security when life doesn’t go to plan.
Consequential Planning Ltd

15/05/2026

“The housing market continues to display the resilience that has been its hallmark in recent years”

The latest figures from Halifax show that the UK housing market remains relatively stable despite ongoing economic uncertainty.

While house prices saw a small monthly dip of 0.1% in April, the average UK property price is still 0.4% higher than this time last year — highlighting the resilience of the market even during a period of geopolitical tension and rising borrowing costs.

📊 Some key highlights from the latest update:
• Northern Ireland continues to lead UK house price growth at 7.6% annually
• The North East remains the strongest region in England
• Mortgage affordability pressures continue, particularly for first-time buyers
• Manufacturing activity has shown positive momentum heading into Q2
• Equity release demand remains resilient despite wider market uncertainty
• UK borrowing costs have risen sharply amid global tensions

Although activity may cool in the short term, wage growth continues to outpace house price inflation, helping to support stability within the market.

As always, periods of uncertainty reinforce the importance of long-term financial planning and understanding how economic changes could affect your goals.

👉 Read the full newsletter for further insights and updates.
https://cnsq.co.uk/2026/05/13/news-in-review-277/

Money is rarely just about numbers. 💫 It’s shaped by childhood, life events, education… and sometimes the mix of all of ...
12/05/2026

Money is rarely just about numbers. 💫

It’s shaped by childhood, life events, education… and sometimes the mix of all of those.
By what we saw growing up, what we were taught (or not taught), and the experiences that stayed with us.

I see it often:
👉 No real knowledge on how much gets spend every month
👉 Guilt, fear or avoidance around money decisions
👉 Media and news, putting pressure on these subjects and market movements
👉 and often, no real understanding of what money can actually do for you

Money isn’t just there to get through the month.
It can create options, freedom, security — but only if you know how to use it.

And that starts with understanding your behaviors, not judging them and speak to an expert.

🌷 Did you know?The Dutch Tulip Bubble of the 1600s is widely considered to be history’s first financial mania.At its pea...
11/05/2026

🌷 Did you know?
The Dutch Tulip Bubble of the 1600s is widely considered to be history’s first financial mania.

At its peak, tulip bulbs became so valuable in the Netherlands that some were reportedly worth more than houses. As prices kept rising, more and more people rushed in — driven by excitement, speculation and the fear of missing out.

But eventually confidence disappeared, prices collapsed, and the bubble burst.

Centuries later, the story still feels surprisingly familiar.

Whether it’s tulips, dot-com stocks, crypto, property or AI booms, markets are often influenced as much by human emotion as by fundamentals.

A good reminder that successful investing is rarely about chasing hype — it’s about having a long-term plan, understanding risk and staying disciplined when emotions take over.

Consequential Planning Ltd

Address

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

Website

https://calendly.com/c-laudren-cnsq/introductory45min

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