Accolade Financial Planning

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Burgess Hill
Accolade Financial Planning

Financial Adviser based in Burgess Hill, West Sussex.

Over 25 years industry experience, listening to you to provide you with personalised, clear Financial Advice across investments, protection, pension planning, at retirement and Inheritance Tax planning for individuals, families and businesses
Approver Quilter Financial Services Ltd 04/09/2025

03/09/2026

September often has that “back to routine” feeling.
After the summer, it’s a good time to get organised and that includes your pensions.
If you have several pension pots from different employers or providers, consolidating them may help create a clearer picture. It can make it easier to see:
✅ What you have
✅ How it is invested
✅ What charges apply
✅ If your risk level is appropriate
✅ How your pensions support your future income
But consolidation is not always right. Some older pensions may have valuable guarantees, protected benefits or charges that need careful review. Investing can help your money grow over time but the value of your investments can go down as well as up.
That’s why advice matters.
The goal isn’t simply to put everything in one place. It’s to make your retirement plan clearer, more meaningful and better aligned with your goals.

Contact us today to sense check your options.
📞 01444 223750 | ✉️ [email protected]

27/08/2026

Your pension can be part of a much bigger conversation about how you take profits, build personal wealth and prepare for retirement.
A financial adviser can help you consider:
✅ If employer pension contributions are suitable
✅ How your existing pensions are positioned
✅ If your retirement plans are realistic
✅ How your business fits into your long-term financial future
✅ What the April 2027 pension/IHT changes may mean for your estate. Investing can help your money grow over time but the value of your investments can go down as well as up.
Good advice brings the business and personal picture together.
If you’d like to explore your options, please get in touch.

Contact us today to arrange an initial conversation.
📞 01444 223750 | ✉️ [email protected]

20/08/2026

For directors with larger pensions and other investments, the April 2027 pension/IHT changes should not be ignored.
From 6 April 2027, most unused pension funds and death benefits are expected to be included in the value of an individual’s estate for Inheritance Tax purposes.
That doesn’t mean pensions stop being useful. It means they need to be considered as part of the wider plan.
For business owners, that may include:
➡️ Company value
➡️ Pension value
➡️ Investments
➡️ Property
➡️ Beneficiary nominations
➡️ Retirement income strategy
➡️How wealth may eventually pass to family
A joined-up review can help identify planning gaps before they become problems.

Contact us today to arrange an initial conversation.
📞 01444 223750 | ✉️ [email protected]

17/08/2026

Budgeting after divorce isn’t about restriction, it’s about control and confidence.
A realistic plan helps you decide what you can do now, what can wait, and what needs protecting.
Investing can help your money grow over time but the value of your investments can go down as well as up.
Contact us today.
📞 01444 223750 | ✉️ [email protected]

13/08/2026

Pension contributions can be very effective, but they need to be planned properly.
For directors and business owners, the conversation is rarely just “how much can I pay in?”
It should also include:
✅ Your annual allowance position
✅ Carry forward availability
✅ Your earnings and company profits
✅ Existing pension values
✅ Previous contributions
✅ Retirement timescale
✅ Investment risk
✅ Tax position now and later
A large contribution can be valuable but only if it is appropriate.
If you haven’t reviewed your pension position recently, especially if you already have £200,000+ across pensions and investments, a proper planning conversation could be worthwhile.
Investing can help your money grow over time but the value of your investments can go down as well as up. Tax treatment varies according to individual circumstances & is subject to change.
Contact us today.
📞 01444 223750 | ✉️ [email protected]

10/08/2026

August can be a natural time for business owners to pause and think beyond the day to day.
If your company has had a strong year, it may be worth asking whether retained profits could be working harder for your future.
For some directors, employer pension contributions can form part of a sensible long term plan. They can help you move wealth from the business into a pension environment, while keeping your retirement goals front and centre.
Questions to consider:
➡️ How much do I already have in pensions?
➡️ Am I using available allowances effectively?
➡️ Is my business too central to my retirement plan?
➡️ What income will I want later?
➡️ How will my pension fit with my wider estate planning after April 2027?
Good planning connects today’s business success with tomorrow’s personal freedom.
Investing can help your money grow over time but the value of your investments can go down as well as up. Tax treatment varies according to individual circumstances & is subject to change.
Contact us today to arrange an initial conversation.
📞 01444 223750 | ✉️ [email protected]

06/08/2026

Many established directors ask the same question:
“How can I take money out of my business tax-efficiently?”
There isn’t one answer. Salary, dividends, pension contributions and retained profits all have different implications.
Pension contributions can be particularly useful because they may help:
✅ Build long-term retirement wealth
✅ Reduce reliance on the business as your retirement plan
✅ Make use of available allowances
✅ Diversify wealth outside the company
✅ Support a more structured exit or semi-retirement strategy
But contribution levels need to be considered carefully. The right amount depends on your income, company profits, existing pensions and wider goals. Investing can help your money grow over time but the value of your investments can go down as well as up. Tax treatment varies according to individual circumstances & is subject to change.
A financial adviser can help you look at the business and personal picture together.

Contact us today to arrange an initial conversation
📞 01444 223750 | ✉️ [email protected]

03/08/2026

If you’re an established company director, your pension can be more than a retirement savings plan.
It may also be an important part of how you take profits from your business tax-efficiently.
Employer pension contributions made directly from a limited company can be highly valuable for the right person, especially where there are retained profits and a desire to build long-term personal wealth outside the business.
The key is making sure contributions are:
✅ Affordable for the business
✅ Appropriate for your personal circumstances
✅ Within relevant pension allowances
✅ Aligned with your retirement goals
✅ Considered alongside salary, dividends, corporation tax and wider planning
This is where advice matters. A pension contribution should fit into a wider plan, not be made in isolation as tax treatment varies according to individual circumstances & is subject to change.
Contact us today 📞 01444 223750 | ✉️ [email protected]

30/07/2026

Your retirement plan starts with what you already have.
If you have several pensions, old statements in a drawer or online accounts you haven’t checked for years, it may be time to bring everything into focus.
Knowing what you have can help you understand:
• whether you are on track
• if your pensions are working together
• Is your investment risk is suitable
• are you making the most of tax planning opportunities
• If the April 2027 pension/IHT changes may affect your family
Your pensions should support your retirement dreams, not sit in the background gathering dust.

If you’d like to get organised, we’d be happy to help. Contact us today.
📞 01444 223750 | ✉️ [email protected]

27/07/2026

When retirement is far away its easy to put real planning into the pile for tomorrow but with average life expectancy now well into the 80’s and State pension widely accepted as not giving a good standard of living that’s a large part of your life left with no plan.
Your retirement plans matter now more than ever, don’t put off until tomorrow what can be done today.
If you haven’t got a clear plan in place then a review with a financial adviser can help bring into focus what you have along with what you need to help you get the retirement you want.
Investing can help your money grow over time but the value of investments can go down as well as up
Contact us today.
📞 01444 223750 | ✉️ [email protected]

Address

Premier House, 46 Victoria Road
Burgess Hill
RH159LR

Telephone

+441444223750

Website

http://www.accoladefp.co.uk/

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