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Abode Financial Planning

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Abode Financial Planning

At Abode Financial Planning in Cirencester, we get it. Managing money and planning for a solid financial future can be daunting.

We’re here to show you it doesn’t have to be.

25/08/2026

𝗪𝗵𝗮𝘁'𝘀 𝗶𝘁 𝗿𝗲𝗮𝗹𝗹𝘆 𝗹𝗶𝗸𝗲 𝘁𝗼 𝘄𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝗔𝗯𝗼𝗱𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴?

In our latest video, Operations Director, Emily Whittaker, explains how we work with our clients, from your first meeting through to ongoing support.

She also shares why building long term relationships is such an important part of what we do, and what you can expect as your life changes.

If you'd like to know more about how we work and whether we're the right fit for you, watch the video below.

13/08/2026

Many people approaching retirement have pensions from several different employers.

Some also have a personal pension, a director's pension, or an old workplace pension they've almost forgotten about. 🤯

Bringing pensions together can make retirement planning simpler.

But before you transfer anything, there's one important question to ask.

𝗪𝗵𝗮𝘁 𝗺𝗶𝗴𝗵𝘁 𝘆𝗼𝘂 𝗯𝗲 𝗴𝗶𝘃𝗶𝗻𝗴 𝘂𝗽?

Some pensions include valuable features that may not move with you, such as guaranteed benefits or protected tax free cash. Others are best left exactly where they are.

That's why pension consolidation should always start with understanding what you already have, not simply reducing the number of pension pots.

We've put together a practical guide covering:

• Why people end up with multiple pensions.
• When combining pensions may help.
• When you should pause before transferring.
• How to find old pensions.
• The questions to ask before making a decision.

If retirement is starting to feel closer, it's a good place to start.

🔗 https://abodefinancial.co.uk/blog/combining-pensions/

29/07/2026

Why did Daniel start Abode Financial Planning?

In this short video, he explains why he believed financial advice should feel more personal, why being Chartered and independent matters, and the approach we've built our business around.

If you'd like to know more about who we are and how we work, take a look.

🎥 Watch the video below.

You can also read more about our team, our values and our approach here:
https://abodefinancial.co.uk/about-us/

08/07/2026

Many business owners spend years building a successful business.

But retirement doesn't begin when you sell the business.

It starts much earlier than that.

When we speak to business owners approaching retirement, the conversation is rarely just about pensions or investments.

More often, it's questions like:

• Will my business give me the retirement I want?
• Should I sell, pass it on or step back gradually?
• Where will my income come from after I leave?
• Am I relying too heavily on one asset?

These aren't decisions to leave until retirement is just around the corner.

The earlier you start planning, the more options you're likely to have.

We've put together a guide looking at some of the most common financial planning mistakes business owners make before retirement, along with practical ideas to help avoid them.

You can also swipe through the carousel below for a quick overview.

Read the full article here: https://abodefinancial.co.uk/blog/financial-planning-mistakes-business-owners-make-before-retirement/

24/06/2026

Inheritance Tax planning starts with the people you care about.

Who should receive what?
When should they receive it?
What do you need to keep for your own future?
How would your family pay any tax bill?

These are useful questions to ask before decisions become urgent.

For families in Cirencester and the Cotswolds, property, pensions, ISAs, investments and business wealth can add up quickly. A clear plan can help you pass wealth on carefully, while keeping enough for the life you still want to live.

Our latest guide explains the main options in plain English, including gifting, trusts, life cover in trust, charitable giving and the pension changes expected from April 2027.

Read the guide here:
https://abodefinancial.co.uk/blog/how-to-reduce-an-inheritance-tax-bill/

Or book an initial call with us.

11/06/2026

Can you pay into someone else’s pension?

We’ve added a simple calculator to our website to help you see how pension contributions for a spouse, child, grandchild or another family member may grow over time.

You can adjust:

• How much you pay in
• The tax relief added
• The growth rate
• The age you want to see the value at

For example, if the pension owner does not earn money, you can usually pay in £2,880 a year. HMRC then adds £720, making £3,600 in total.

Try the calculator here: https://abodefinancial.co.uk/blog/contributing-to-a-family-members-pension/ 🧮

This is general information only, not personal advice. Pension and tax rules can change.

10/06/2026

BTS 👀🍿🎥

07/06/2026

Retirement is changing.

For many people, retirement no longer means stopping work completely.

We often speak to people who want:

• fewer working days
• consultancy work
• mentoring
• more flexibility
• a gradual step back instead of a hard stop.

That can work very well financially but there are a few areas that can catch people out.

Salary, pension drawdown, consultancy income and the State Pension can all interact in ways people do not expect. Future pension contributions can change too.

One small decision can affect your options for years.

We put together a short guide on working after retirement in the UK.

Full article:
https://abodefinancial.co.uk/blog/retire-and-still-work-uk

How do you see retirement now? Full stop or gradual step back?

21/05/2026

Selling a business can shape the rest of your life.

For many owners, the business is more than just a source of income. It may also be:

• your pension
• your family security
• your biggest financial asset.

That is why planning early matters.

Three to five years gives you time to think clearly about retirement, future income, pensions, investments and what you want life to look like after the sale.

The sale price is only part of the picture.

We have put together a practical guide for UK business owners thinking about selling in the next few years.

Read more here:
https://abodefinancial.co.uk/blog/business-exit-planning-uk

14/05/2026

Our Marketing Director Holly took a trip to Kemble Station today🚂

Address

Watermoor Point, Watermoor Road
Cirencester
GL71LF

Opening Hours

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

Telephone

+441285703060

Website

https://abodefinancial.co.uk/

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