Andrew of Truestep Financial Planning

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Andrew of Truestep Financial Planning Financial Advisor. Approved by the Openwork Partnership 02/09/2026

Your business depends on people. What would happen if a key person could no longer work?From key person cover to shareho...
16/10/2026

Your business depends on people. What would happen if a key person could no longer work?

From key person cover to shareholder protection, planning ahead can help your business prepare for unexpected disruption.

At Truestep Financial Planning, we’ll help you explore protection options suited to your business.

Contact us to start the conversation: https://truestep.co.uk/

If you couldn’t work, who would keep your business moving?For many business owners, personal wellbeing and business cont...
14/10/2026

If you couldn’t work, who would keep your business moving?

For many business owners, personal wellbeing and business continuity are closely connected. An unexpected illness or absence could affect your income, team and future plans.

At Truestep Financial Planning, we can help you explore protection for you and your business.

Contact us to discuss what matters most: https://truestep.co.uk/

Being declined for protection in the past doesn't necessarily mean the answer will still be “no” today. Circumstances ch...
07/10/2026

Being declined for protection in the past doesn't necessarily mean the answer will still be “no” today.

Circumstances change.

Your health, occupation, or lifestyle may have changed. What was relevant to your previous application may not reflect your current circumstances.

That doesn't guarantee a different outcome. But it could mean there's a reason to look again.

If you've previously been declined for life cover, critical illness cover, or income protection, I can help you review your current circumstances and understand whether there are options available to explore.

Lets review your options together.

www.truestep.co.uk

What would you like your retirement to look like?Perhaps it means more time with family, travelling, pursuing interests ...
06/10/2026

What would you like your retirement to look like?

Perhaps it means more time with family, travelling, pursuing interests or simply having greater freedom over how you spend your time.

Your pension value is only part of the picture. A financial plan can help connect your pensions, savings and wider finances with the life you want to lead.

Andy at Truestep Financial Planning can help you explore your priorities and take the next step with greater clarity.
Find out more: https://truestep.co.uk

Need money from your pension, but not ready to retire?One of our clients in their mid-50s needed £32,000 for home improv...
02/10/2026

Need money from your pension, but not ready to retire?

One of our clients in their mid-50s needed £32,000 for home improvements and a family trip overseas.

They were still working and planning to retire around age 67, so the challenge was accessing the money without unnecessarily affecting their retirement plans.

After reviewing their pension, retirement objectives and investment strategy, we recommended a more flexible pension arrangement.

At age 55, they took £32,000 as tax-free cash, leaving the majority of their pension invested for the future.

We also used cashflow modelling to assess the potential impact on their retirement plans.

The key? They took what they needed, not simply what they could take.

Read the full case study to see how we approached it. https://truestep.co.uk/case-study1/

Anonymised real client scenario. Individual circumstances differ and advice should always be based on your personal circumstances.

If your income stopped tomorrow, what would happen next?Would you receive sick pay?How long would your savings support t...
28/09/2026

If your income stopped tomorrow, what would happen next?

Would you receive sick pay?

How long would your savings support the household?

Which commitments would become difficult to maintain?

These questions can feel uncomfortable, and many people have never considered them.

Recent FCA findings show that around 58% of UK adults have no life insurance, critical illness cover, or income protection. Of those without cover,

59% have never considered taking it out.

The FCA highlighted renters, self-employed people, gig-economy workers and those with pre-existing medical conditions as groups less likely to have protection.

A protection review is not about assuming that everyone needs every type of policy. It's about understanding what support you already have, identifying any financial gaps and deciding whether you are comfortable with them.

You may find that your existing arrangements remain suitable.

Or you may discover gaps that could leave you and your household financially exposed.

At Truestep, we can help you understand your current position and explore the options available.

To arrange a protection review, please get in touch.

Have you built up pensions with several employers over the years? It can be difficult to keep track of what you have and...
24/09/2026

Have you built up pensions with several employers over the years? It can be difficult to keep track of what you have and how each pension fits into your wider retirement plans.

The first step is to gather the information and understand each plan, including its features, benefits and charges. Combining pensions is not suitable for everyone, particularly where valuable guarantees or benefits could be lost.

Andy at Truestep Financial Planning can help you review the overall picture and consider the options available to you.
Find out more: https://truestep.co.uk/



Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

When you run a business, it is easy to focus on the company and put your own long-term plans further down the list.Takin...
23/09/2026

When you run a business, it is easy to focus on the company and put your own long-term plans further down the list.

Taking time to review your personal retirement goals alongside your business plans can help you understand whether the two are working together. The right approach will depend on your circumstances and the arrangements already in place.

Andy at Truestep Financial Planning can help business owners and directors look at the wider picture and consider their next steps.

Find out more: https://truestep.co.uk/

Pension Awareness Week is a useful prompt to pause and look at the bigger picture. Do you know what pensions you have, w...
18/09/2026

Pension Awareness Week is a useful prompt to pause and look at the bigger picture. Do you know what pensions you have, what they may provide and whether they still support the retirement you want?

A pension review can help you understand where you are now and identify the questions worth asking next. If you would like a clearer view of your position, contact Andy at Truestep Financial Planning to arrange an initial conversation.
Find out more: https://truestep.co.uk/

It's Pension Awareness Week.When was the last time you reviewed your pension?Many people have pensions from previous emp...
18/09/2026

It's Pension Awareness Week.

When was the last time you reviewed your pension?

Many people have pensions from previous employers, haven't checked their pension arrangements for years, or simply aren't sure whether they're on track for the retirement they want.

Taking the time to review your pensions can provide valuable clarity and help ensure your plans remain aligned with your long-term goals.

Find out more about our pension review service here:
https://truestep.co.uk/pension-review/

Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.

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