Gareth Shears

Gareth Shears Award Winning Chartered Financial Planner - teaching you the money skills the shools never did

The real cost of doing nothing with your money…Don’t be left behindGet your own plan now with me by commenting MAP below...
20/07/2026

The real cost of doing nothing with your money…

Don’t be left behind

Get your own plan now with me by commenting MAP below

Disclaimer *this post is for financial education, not financial advice. Past performance is not a guide to future performance. Investments can go up and down in value. Leaving your cash in the bank and not making returns above inflation is also a risk. Before making any financial decision I recommend seeking financial advice

19/07/2026

Looking to retire soon and unsure with your decision watch the full version of my latest YouTube video by commenting the word YOUTUBE below for the link in your messages

17/07/2026

This is very relevant for many for the next 6 weeks! I’m self employed so can be a bit more flexible but we have to lean into clubs and family during the holidays.

How do you cover the holidays?

16/07/2026

This is probably one that is rarely discussed when we make decisions around retiring! STRESS!

Comment YOUTUBE below for the full version

Only 4% of self-employed people are saving into a pension consistently. That’s not a gap. That’s a cliff.No employer, no...
15/07/2026

Only 4% of self-employed people are saving into a pension consistently. That’s not a gap. That’s a cliff.

No employer, no auto-enrolment, no nudge. A 35-year-old freelancer on £40,000 saving nothing retires on the state pension alone — around £7,500 a year worse off than an employed mate on the same money. Being your own boss shouldn’t mean a poorer old age.

Open a SIPP. The taxman adds 20% to everything you put in. Start with whatever this month allows.

Self-employed? What’s stopped you starting a pension?

13/07/2026

My 8 reason you need to consider retiring now

If you want the full version comment YOUTUBE below to get the link now

15 million people in the UK aren’t saving enough for retirement. Without action, that’s 19 million heading for a cliff-e...
13/07/2026

15 million people in the UK aren’t saving enough for retirement. Without action, that’s 19 million heading for a cliff-edge when the payslips stop. That’s the Pensions Commission’s own verdict this year, not scaremongering.

The state pension alone is £11,973 a year. Nobody’s coming to top that up for you. The maths is yours to sort, and the sooner you look at it, the smaller the problem is.

Log into your pension this week. Check the pot, check the rate, nudge it up 1%. That’s it.

When did you last actually look at your pension?

Disclaimer *this post is for financial education, not financial advice. Past performance is not a guide to future performance. Investments can go up and down in value. Leaving your cash in the bank and not making returns above inflation is also a risk. Before making any financial decision I recommend seeking financial advice

Address

5 Neptune Court
Cardiff
CF245PJ

Telephone

+447974407480

Website

, ,

Alerts

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

Contact The Business

Send a message to Gareth Shears:

Shortcuts

Share

Category