What are the opening hours?

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

Godiva Financial Planning Ltd

Home
United Kingdom
Coventry
Godiva Financial Planning Ltd

At Godiva Financial Planning, we provide bespoke Wealth Management advice to individuals and businesses in and around Coventry and the Midlands.

21/07/2026

The American Dream? Well, it seems to be getting a bit rusty. 🥴

With inflation squeezing the wallets of the less fortunate and the rich steering the ship like they’ve got a GPS, it’s hard not to worry about the cracks in this ideal. Remember when Marie Antoinette supposedly said, ‘Let them eat cake’? That was more than just a catchy quote; it was a sign of a society losing its grip on realities.

Fast forward 200+ years, and we’re seeing a similar divide right before our eyes. The richest 50% now hold a whopping 97.5% of the total US net worth! Meanwhile, those in the ‘working class’ are juggling bills with one hand and hoping for a slice of growth with the other.

While wealthy households have stashed away savings and can still indulge, lower-income families are pinching pennies every time they hit the grocery store. This isn’t just about financial data; it’s about real lives feeling the strain.

Can this widening gap spell trouble for the economy as a whole? Seems like something we should keep an eye on! 💭

17/07/2026

Thinking about what happens to your pension after you’re gone?

Recent changes by the Government mean from April 2027, inherited pension funds might be subject to inheritance tax.

This could have a significant impact on how you plan for your loved ones. It's crucial to understand the changes so you can make informed decisions now, rather than facing surprises later. Planning ahead not only helps secure your family’s financial future but also ensures your hard-earned money goes where you want it to, without unnecessary tax implications.

Stay ahead of the curve: knowing these details can make all the difference.

10/07/2026

We’re delighted to be part of the UK Retail Investment Campaign, a landmark initiative to help Britons invest for their financial future.

With the lowest level of retail investment in the G7, this industry-wide initiative, supported by His Majesty’s Treasury, the FCA, and the Money and Pensions Service, aims to make investing more accessible and empower people with the information to take control of their families’ financial wellbeing.

Discover how our collective efforts are set to inspire a new generation of investors: https://ow.ly/Il0Y50XGIwq

07/07/2026

🏠 What are offset mortgages – and how do they work?

With interest rates expected to remain elevated through 2026, many borrowers are looking more closely at ways to reduce mortgage costs. One option attracting attention is the offset mortgage — a product that links your savings to your mortgage balance.

💡 At a glance:

• An offset mortgage allows savings held in a linked account to reduce the mortgage balance charged interest.
• For example, someone with a £250,000 mortgage and £25,000 in linked savings would only pay mortgage interest on £225,000.
• Borrowers can usually choose whether the offset reduces monthly repayments or shortens the mortgage term.
• Savings remain accessible, although withdrawing money increases the mortgage balance on which interest is charged.

Offset mortgages can offer flexibility, particularly for people with substantial savings or fluctuating income — such as the self-employed. They may also appeal to higher-rate taxpayers, as the benefit comes through reduced mortgage interest rather than taxable savings interest.

However, offset deals are not always the cheapest option. Interest rates can be higher than standard mortgages, and the benefits depend heavily on the amount of savings held alongside the loan.

For some households, the ability to keep savings accessible while reducing mortgage interest can be valuable. For others, a larger deposit or traditional repayment structure may prove more suitable.

As with any mortgage decision, understanding the trade-offs and how the structure fits individual circumstances is important before committing to a particular route.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/what-are-offset-mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage. This content is for information only and does not constitute financial advice.

03/07/2026

Every now and then, we get to witness someone find clarity in a decision that's been weighing on them.

Recently, a client came to us feeling overwhelmed about planning for children’s school fees. Just the thought of it made them anxious. We sat down over a cuppa, and listened as they shared their concerns and dreams for their family. It became clear that they didn’t just want to save; they wanted a roadmap that felt achievable.

By breaking things down into manageable steps, we created a plan that didn’t feel daunting but rather empowering.

Seeing them embrace that clarity reminded us of how important it is to not rush decisions. Progress often looks quiet, but it’s the small steps, taken with assurance, that lead to lasting change.

26/06/2026

Doubt is like that nagging little voice in your head, isn’t it? Picture a tiny gremlin sitting on your shoulder, whispering, "Are you sure about this?" But here’s the kicker: to pave the way to your biggest wins, you’ve got to tell that gremlin to take a hike!

One of my clients recently faced a big decision. They were on the brink of a significant investment, but doubts danced around like uninvited party guests. With a bit of encouragement (and a mental image of me waving a metaphorical pom-pom), they took the leap.

Surprise, surprise - they reached their goal! 🎉 Sometimes, overcoming uncertainty leads to the most rewarding results. Remember, nothing ventured, nothing gained!

So, if you find yourself battling doubts, remember: action is where the magic happens. Who knows what you might achieve?

23/06/2026

Rise in UK political uncertainty

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It comes after just under two years in office and means the UK will soon have its fifth prime minister in as many years. However, the next steps remain unclear. Even in the event of a smooth ‘coronation’ to a successor, the process could take several weeks.

Immediately after the announcement, the UK market took Starmer’s resignation largely in its stride, although the pound weakened in anticipation of his resignation. The FTSE was very marginally down while gilts held steady in the hours after the news was released on Monday morning. However, a big question, not least for markets, will be who becomes the next chancellor if, as expected, Rachel Reeves is moved from her current position.

Hetal Mehta, St. James's Place’s Chief Economist, says: “Given the current situation, policy uncertainty – especially regarding the fiscal stance – could remain elevated for months, i.e, until the next Budget.

“Without cuts to day-to-day spending and welfare, any attempts to boost investment or reduce the real terms spending cuts some government departments are facing, would require tax increases.”

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/weekwatch-22-06-2026

19/06/2026

Ever feel like there just aren’t enough hours in the day? You’re juggling work, family, and maybe even a hobby or two.

You’re capable of managing it all – it’s just that there’s only so much time to go around, like trying to squeeze a week’s worth of laundry into a single Sunday!

That’s where I come in. Think of me as that trusty sidekick who doesn’t take away your superpowers but complements them.

I don't swoop in to replace your skills, but rather help you make sense of the financial puzzle so you can spend your time on what really matters to you.

Investing in my service isn’t about handing over control; it’s a way to reclaim some of that oh-so-precious time. 📅

Because honestly, nobody woke up today thinking, 'I can't wait to unravel my finances.' Allow yourself the freedom to focus on your passions while I handle the numbers.

Just like a good cup of tea, financial planning should be comforting, not complicated! ☕️

16/06/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings.

Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren

15/06/2026

Ever felt like you’re just going through the motions with your service provider? Like wearing those old, comfy shoes that are starting to pinch? It doesn't always feel right, does it?

Sometimes, sticking with the same provider isn't just a comfort zone – it can also be a bit of a rut! Here are a few telltale signs it’s time to consider a change:

1. Lack of Communication: If your provider isn't keeping in touch, you’re basically wandering through the financial fog.
2. Rising Fees: Are you handing over more money for less value? That’s like upgrading to a fancy coffee only to find it’s just a tiny cup!
3. Better Options Are Out There: If a friend mentions a fantastic alternative, don’t brush it off. They might just have the golden ticket!
4. Changes in Your Life: A new job, moving house, or planning for a family? Life happens and so should your planning!

Sometimes it’s worth having a little gander at what's out there. Change can be a good thing, just like finding that perfect pair of shoes! 👟✨

Address

Friars House, Manor House Drive
Coventry
CV12TE

Opening Hours

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

Telephone

+442477360315

Website

http://www.godivafinancialplanning.co.uk/

Alerts

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