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Monday 9:30am - 5:30pm Tuesday 9:30am - 5:30pm Wednesday 9:30am - 5:30pm Thursday 9:30am - 5:30pm Friday 9:30am - 5:30pm

The Orchard Practice

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The Orchard Practice

At The Orchard Practice, we look after you as well as your finances. We work with people of all ages and at all stages in their financial planning journey.

🏆 Award-winning Financial Planners since 1997
Family-run practice helping families grow wealth & retire confidently
📍 Hertfordshire | UK-wide service
📧 [email protected] We treat all of our clients as we would want to be treated ourselves - which is why most of our client relationships develop into friendships. Whether in your 20s or 80s, we will help you determine what you have now, where you want to be in the future, and how you are going to get there.

22/07/2026

4 practical reasons why business owners could benefit from a pension:

1. A pension is tax-efficient for you
2. Pension contributions are efficient for your business
3. A pension could diversify your long-term plans
4. Your pension could potentially invest in your business

Read our blog, linked below, to learn more.

https://topfs.co.uk/4-practical-reasons-why-business-owners-could-benefit-from-a-pension/

20/07/2026

3 clever tips to escape the 60% tax trap:

1. Increase your pension contributions
2. Take advantage of salary sacrifice schemes
3. Make donations from your salary

Read our blog, linked below, to find out more about this tax trap and how you can avoid falling into it.

https://topfs.co.uk/why-earning-more-than-100000-doesnt-have-to-mean-falling-into-a-tax-trap/

17/07/2026

7 ways financial planning could help you reduce stress:

1. It could clarify your current financial position
2. Creating a budget as part of your financial plan could help you balance priorities
3. A financial plan could improve your resilience to shocks
4. A financial plan could help you feel more confident
5. A financial planner could alert you if a change might affect your plan
6. You could take a hands-off approach
7. Regular reviews provide a dedicated time to discuss financial concerns

Read our blog, linked below, to learn more.

https://topfs.co.uk/7-ways-financial-planning-could-help-you-reduce-stress/

15/07/2026

5 hidden benefits of working with a financial planner:

1. A financial plan could identify ways to build wealth tax-efficiently
2. A long-term strategy may provide you with peace of mind
3. Reviewing your finances could improve your relationship with money
4. Speaking to your financial planner could offer a new perspective
5. A long-term plan could help you achieve financial freedom

Read our blog, linked below, to learn more.

https://topfs.co.uk/revealed-the-hidden-benefits-of-long-term-financial-planning/

13/07/2026

4 simple ways to stick to your investment strategy:

1. Refer back to your investment strategy when making decisions
2. Focus on long-term results to reduce the effect of emotions
3. Review your decisions alongside investment performance
4. Work with your financial planner

Read our blog, linked below, to find out more.

https://topfs.co.uk/the-factors-that-influence-your-investment-style-and-how-to-take-control/

06/07/2026

4 ways overconfidence could lead to poor investment decision-making:

1. You may take more risk than is appropriate
2. You might be tempted to try and time the market
3. You’re more likely to overlook research
4. It could lead to an unbalanced portfolio

Click the link below to learn more.

https://topfs.co.uk/4-ways-overconfidence-could-lead-to-poor-investment-decision-making/

29/06/2026

2 forms of financial protection that could plug an income gap:

1. Income protection
2. Critical illness cover

Read our blog, linked below, to learn more about how you could protect your family if your income were to stop suddenly.

https://topfs.co.uk/financial-protection-the-key-options-that-could-protect-your-lifestyle-and-family/

22/06/2026

Geopolitical tensions have led to a bumpy start to 2025 for investors.

If you're worried about the volatility and what it might mean for your long-term finances, there are reasons to remain calm despite the volatility.

Click the link below to discover 4.

https://topfs.co.uk/4-reasons-to-remain-calm-amid-market-volatility-and-uncertainty/

15/06/2026

Two-thirds of parents are worried about how a critical illness in their family could affect them, including their finances.

Taking out appropriate financial protection could provide a safety net should it happen, and allow your family to focus on recovery and spending time together.

Click the link below to learn more.

https://topfs.co.uk/majority-of-parents-worry-about-critical-illnesses-heres-how-financial-protection-could-help/

08/06/2026

From April 2027, pensions will likely be included in estates when calculating Inheritance Tax liability.

The potential upcoming change has led to more than half of UK adults planning to adjust their retirement or estate plan.

Click the link below to discover 3 ways you might want to adjust your retirement plan.

https://topfs.co.uk/half-of-adults-reconsidering-their-retirement-plans-ahead-of-2027-inheritance-tax-changes/

Address

2 Penta Court, Station Road
Borehamwood
WD61SL

Opening Hours

Monday	9:30am - 5:30pm
Tuesday	9:30am - 5:30pm
Wednesday	9:30am - 5:30pm
Thursday	9:30am - 5:30pm
Friday	9:30am - 5:30pm

Telephone

+442089538687

Website

https://www.topfs.co.uk/

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