Peak Fifteen Financial Planning

Home
United Kingdom
Birkenhead
Peak Fifteen Financial Planning

Call Directions Website

Mark Eldor CFP, Chartered MCSI

16/10/2026

What’s your magic number? 🎯

Knowing how much you need to secure your retirement can feel like a big question, particularly when your financial circumstances are complex.

We worked closely with this client to develop a detailed financial plan, helping them identify the “magic number” they needed to protect to support their future retirement goals.

The result? Confidence, clarity and a plan for the years ahead.

As this review shows, financial planning isn’t just about where you are today. It’s about understanding what you need for the future and feeling confident about how to get there.

Let’s help you find your magic number. Get in touch to start the conversation.

14/10/2026

Could your pension be subject to Inheritance Tax?

Pensions have long played an important role in estate planning, but changes to the rules mean it’s worth understanding how your pension could affect the wealth you pass on to your loved ones.

The interaction between pension taxation and Inheritance Tax could leave some families facing an unexpected tax bill.

Our latest article explores the potential ‘double tax’ trap, what it could mean for your estate and why reviewing your long-term financial plans matters.

Read the full article to understand more: https://www.peakfifteenfp.co.uk/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

12/10/2026

Life doesn’t always follow a straight career path.

Taking time out to raise a family, caring for a loved one or stepping back from work for personal reasons can all affect your long-term financial future.

But how do these ‘missing years’ impact your financial plans, and what can you do to help protect your future?

Our latest article explores the impact of career breaks and caring responsibilities on long-term financial planning, and why it’s important to factor these periods into your plans.

Read the full article to find out more: https://www.peakfifteenfp.co.uk/article/detail/sjpp/the-missing-years-caring-career-pauses-and-long-term-planning

08/10/2026

Sometimes the biggest barrier isn’t what’s possible – it’s whether we’re willing to take the first step.

Keep going. Keep learning. Keep moving forward.

07/10/2026

With the Autumn Budget now just a month away, there’s plenty of speculation about what the Chancellor might announce – and what it could mean for your finances.

From potential changes to tax and pensions to wider economic measures, it’s worth understanding what’s being discussed and considering whether there’s anything you need to review in your own financial plan.

Our latest article looks at what could lie ahead and why staying informed can help you make decisions with the bigger picture in mind.

👉 Read the full article: https://www.peakfifteenfp.co.uk/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

05/10/2026

How much is enough?

It’s a simple question, but one that can be surprisingly difficult to answer.

Enough to retire comfortably.
Enough to support your family.
Enough to enjoy life now while still preparing for the future.

Financial planning isn’t just about building wealth. It’s about understanding what your money needs to do for you – now and in the years ahead.

Not sure what “enough” looks like for you? We can help you work it out, build a plan around your goals and give you a clearer picture of what your financial future could look like.

Get in touch with our team to start the conversation.

02/10/2026

Downsizing could be one option to consider when planning for retirement.

For some, moving to a smaller property can release capital that could then be used to supplement pension income and support their plans for later life.

Thinking about downsizing? Financial planning can help you understand what the numbers could look like before you make a decision.

Get in touch to arrange a no-obligation initial consultation.

https://www.peakfifteenfp.co.uk/

30/09/2026

If you own a business, have you thought about what could happen to it if you were to divorce?

It’s not an easy subject to think about, but for business owners, planning ahead can be important.

There’s no guaranteed way to completely protect a business in divorce. However, there are layers of protection that may help increase the likelihood of retaining ownership, including:

• Reviewing the assets you hold inside and outside the marriage
• Considering whether other assets could be offset against the value of the business
• Making sure shareholder agreements are up to date
• Considering whether a trust may be appropriate
• Putting a pre- or post-nuptial agreement in place

A pre-nuptial agreement can help establish which assets are considered matrimonial and which are not, potentially helping to ringfence a business. However, pre-nups aren't automatically enforceable in the UK and aren't a cast-iron guarantee.

Both parties should fully disclose their assets and receive independent legal advice, and agreements should be reviewed as circumstances change.

Planning for the possibility of divorce may not be something you want to think about, but understanding your options could help you make more informed decisions about protecting the business you've worked hard to build.

Read our latest article to find out more, or get in touch with Peak Fifteen Financial Planning to discuss your wider financial planning.

https://www.peakfifteenfp.co.uk/article/detail/sjpp/divorce-proof-your-business.html

28/09/2026

Think financial planning is only for people with loads of money, complicated investments or retirement just around the corner?

There are plenty of misconceptions about what financial planning actually involves.

💭 “I don’t have enough money to need a financial planner.”

Financial planning isn’t just about managing large sums of money. It’s about understanding where you are now, where you want to be, and what needs to happen to get there.

💭 “A financial planner will just tell me what investments to buy.”

Investments can be part of the conversation, but good financial planning starts much further back. Your priorities, family, lifestyle, retirement plans and the things that matter to you all form part of the bigger picture.

💭 “I’m too young to think about financial planning.”

You don’t need to be approaching retirement to benefit from having a plan. The earlier you understand your options, the more time you have to make informed decisions.

💭 “I can just sort it out myself.”

There’s plenty you can do yourself, but financial planning can help you step back from individual decisions and look at how everything fits together.

Ultimately, financial planning isn’t about having all the answers today.

It’s about having a clearer picture of where you’re heading — and making sure your money is working towards the life you want to live.

If you’re wondering whether financial planning could be useful for you, get in touch with Peak Fifteen for an initial conversation about your goals and where you are now.

25/09/2026

Financial confidence doesn't happen overnight.

It can grow when you understand where you are, where you want to be and what you need to do to get there.

Having a clear financial plan can turn uncertainty into something that feels much more manageable – giving you greater confidence in the decisions you're making today and the future you're working towards.

If you'd like to feel more confident about your financial future, get in touch with Peak Fifteen Financial Planning to start the conversation.

Address

56 Hamilton Square
Birkenhead
CH415AS

Telephone

+441513059537

Website

http://www.peakfifteenfp.co.uk/

Alerts

Be the first to know and let us send you an email when Peak Fifteen Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.