Concept Financial Services

10/04/2026

Most people focus on the tax bill.
That’s the visible part. The obvious part. The part everyone talks about.

But the real issues?
They’re usually hidden beneath the surface.

Planning that started too late.
Structures that were never quite right.
Decisions delayed because “there’s still time.”

And by the time inheritance tax becomes a conversation…
it’s often just exposing what wasn’t addressed early enough.

Because good planning isn’t reactive.
It doesn’t begin when the problem shows up.
It begins long before — with clarity, structure, and intent.

The truth is simple:
Inheritance tax is rarely the real problem.

Lack of planning is.

13/03/2026

Most people focus on growing investments.
Very few focus on protecting what those investments sit on.

But wealth doesn’t just grow from performance.
It grows from structure, strategy, and planning.

Because strong returns on a weak plan?
That’s just risk wearing a nice suit.

The real work of wealth planning starts before the investments.

06/03/2026

Great day at the Tettenhall College Careers fair.

Lydia, Sam, and Anthony spoke with Tettenhall’s fantastically enthusiastic students about the exciting financial services career path.

Big thanks to the organisers for having us!

25/02/2026

A great mortgage product sometimes comes out and sets the news headlines off...

But the details matter...

A new first-time buyer product by a prominent lender has entered the market, and it sounds great at first glance — but the details matter.

✔️ Loan limits
✔️ Deposit requirements
✔️ Income caps
✔️ Long-term impact

So the moral of the story? Not every mortgage product is created equal and individual products have specific details that may not be clear when you first hear about them via news or social media...

💬 That’s where proper advice makes all the difference.

Advisers know the difference between what sounds good on paper, and what's actually good for you.

08/12/2025

An incredible night at our annual Concept Financial Services + Cyan Group Christmas Party! 🤩

We enjoyed a Party On The Piste at the NEC Birmingham, enjoying drinks, a delicious meal, and amazing rides! 🎢

Fantastic night and a big cheers to 2026!

26/02/2025

Is your interest-only mortgage coming to an end this year? 🤔

Feeling stressed about refinancing? 👀

We've got some good news for you!

Even if banks and building societies haven't been able to help, we work with specialist lenders who can offer a solution. 👍

Whether your income comes from employment or a pension, you might STILL qualify for a mortgage.

We've already assisted clients who feared they might have to sell their homes. Our solutions are designed to lend into retirement, so your age won’t stand in the way.

Looking for a smooth, hassle-free process? Reach out to us today, and we’ll take care of all the paperwork.

📲 Click the Whatsapp link now to begin and take the first step toward peace of mind. 📲

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE



*Text Messages Displayed in the Graphic are for Illustrative Purposes Only.*

Concept Financial Services is a trading name of Delphic Financial Planning Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership 14/02/2025

14/02/2025

Happy Valentines Day!

04/12/2024

We have the privilege of sponsoring Penkridge Rugby Club at Concept Financial Services! ⚽

Looking sharp, boys!

23/07/2024

📌Is your interest-only mortgage ending this year?

Feeling anxious about refinancing?

We've got great news for you!

Even if banks and building societies aren't offering you a solution, we partner with specialist lenders who can help.

Whether you have income from employment or a pension, you may still qualify for a mortgage. We've already helped clients just like you who feared they might have to sell their homes.

Our solutions are tailored to lend into retirement, so your age won't hold you back.

Ready for a stress-free process?

Contact us now, and let us handle all the paperwork for you. Your dream of staying in your home is closer than you think!

Click the link now to get started and take the first step towards peace of mind.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE



Concept Financial Services is a trading name of Delphic Financial Planning Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership 12/06/2024

14/02/2024

Navigating financial differences in relationships can be complex, as highlighted by Scott Rick, an associate professor at the University of Michigan.

With Americans spending $25.8 billion on Valentine's Day, the pressure is high. Here in the UK, spend is predicted at a total of over £1.5 billion.

Analysis conducted by finder.com Rick suggests thoughtful gift-giving, meeting halfway on money matters, and balancing joint and separate accounts to smooth financial interactions.

Opt for financial 'translucency' over full transparency to maintain individuality while sharing pertinent information.

Understanding your own and your partner's money style is crucial, offering a path to harmony. This Valentine's Day, focus on understanding your partner's preferences, a key to a lasting relationship.

If you have a different money style than your partner – well, you are certainly not alone. In fact, more often than not, we end up partnered with someone who has a contrasting approach to money.

26/01/2024

Exciting news!

A new 5-year mortgage deal is now available with the flexibility to change after 2 years. Rates starting from 5.14%.

12/01/2024

😀Rates being released under 4%!😀

However a few things to note:

The actual rate available will depend on your circumstances.

If you are reading this after 20th January 2024, it is possible that these rates may no longer be available and can be withdrawn without further notice at any time.