Integrity365

15/07/2026

A record-setting year for the Integrity365 team - congratulations all!

Professional Adviser has just unveiled the highly anticipated finalists shortlist for the Women in Financial Advice Awards 2026.

We are delighted to announce that Integrity365 has received a record number of seven finalist positions this year across both business and individual categories.

Integrity365:
• ‘Contribution to Gender Diversity – Advisory’
• ‘Outstanding Support Initiative – Adviser Marketing Workshops’

Nicola Glass:
• 'Financial Adviser of the Year – South East’

Sophie Haslehurst:
• ‘Woman of the Year – Investment Advice’

Esther Clemmey:
• 'Financial Adviser of the Year – South East’

Mairi Shepperson:
• ‘Marketing Influencer of the Year’
• ‘Woman of the Year – In-house Adviser Support’

We would like to congratulate all of our finalists, as well as the many colleagues whose nominations contributed to this record-breaking year for Integrity365. We also wish all fellow finalists the very best of luck.

09/07/2026

ISA Changes, Tax Loopholes & Industry Backlack - Behind the Headlines of ISA Reforms

Following a delay, the UK Treasury has now announced new ISA reforms aimed to close tax avoidance loopholes. However, this has been met with industry scrutiny due to the complexities involved.

In our latest article, Inverness-based Independent Financial Adviser, Ross MacDonald, delves behind the headlines to discuss these changes, the reasons behind them and how they could impact financial planning.

Read here: https://www.integrity365.co.uk/isa-reforms-tax-loopholes-industry-backlash-explained/

03/07/2026

How can you start saving for your child's financial future?

As a parent, once you have planned for the day to day costs of welcoming a child into the world and your immediate financial requirements, thoughts often go to the future.

Whilst you may initially think of making savings in your own name to gift to them later down the line, there are certain gifting allowances and rules to adhere to in order to avoid making costly Inheritance Tax mistakes.

Furthermore, there may be added benefits for your child’s financial literacy and tax position by separating your savings from theirs.

Chartered Financial Planner, Coreena Dutton, discusses further in our latest article.

Read here: https://www.integrity365.co.uk/how-to-save-and-invest-for-your-childs-future/

29/06/2026

Thinking of retiring soon?

Whether you are looking to slow down your working life or stop altogether, making that switch at retirement requires careful consideration.

In the latest episode of the Integrity365 Financial Insights Podcast, Esther Clemmey APFS and Nicola Glass discuss the pivotal moment of approaching retirement.

As well as discussing various methods of creating a sustainable income strategy to fund your retirement lifestyle, Esther and Nicola also cover common retirement questions and case study examples.

Listen now on or watch in full on - see comments below!

24/06/2026

Why are trusts making a comeback?

With pensions set to become part of an individual’s estate for Inheritance Tax calculations from April 2027, this means up to 40% could be lost to IHT.

Whilst the Nil Rate Band offers an Inheritance Tax free allowance of £325,000, this has been frozen since 2009 despite rising asset values, such as family homes, pushing more people above this limit. As a result, more families are finding themselves exposed to IHT, often without having considered it before.

Now, trusts seem to be making a comeback as many more families consider the implications on their own estate planning.

South East based Chartered Financial Planner, Esther Clemmey APFS, discusses the recent rise in the use of trusts in our latest article.

Read more at: https://www.integrity365.co.uk/are-trusts-making-a-comeback-in-light-of-iht-and-pension-rule-changes/

Written By Esther Clemmey 20th June 2026 Are Trusts Making a Comeback in Light of IHT and Pension Rule Changes? High Wycombe-based Independent Financial Adviser, Esther Clemmey, discusses the recent rise in the use of trusts in estate planning, following the announced changes to Inheritance Tax and....

13/05/2026

Are you or someone you know preparing to become a first-time parent?

Whilst it's an exciting new chapter to enter, becoming a parent also brings added responsibilities and a new financial dependent to plan for.

This is a journey that Independent Financial Adviser Douglas Sims DipPFS recently embarked on as a new parent. In our latest podcast episode, Doug joins Coreena Dutton FPFS to share financial considerations and important insights from their perspective as both parents and advisers.

Listen now on YouTube or Spotify - search Integrity365 or see links below!

27/04/2026

Preparing to flick the retirement switch soon?

When approaching retirement, many fear that their financial situation is suddenly going to change.

However, with careful financial planning, the retirement switch from saving to spending should not dramatically impact your lifestyle, but instead unlock the retirement goals you have worked towards throughout your life.

Chartered Financial Planner Esther Clemmey discusses in our latest article.

Read more: https://www.integrity365.co.uk/the-retirement-switch-from-saving-to-spending/

If you are approaching retirement and would like to discuss your planning arrangements, our trusted Independent Financial Advisers at Integrity365 can help - get in touch today on 01494 509 666.

20/04/2026

Why are pension annuities on the rise?

Planning your retirement income strategy is one of the most important decisions you will make in your lifetime. When it comes to taking an income from capital held within your pensions, you have a number of options: flexible access drawdown; or an annuity purchase.

Pension drawdown remains the most popular option among retirees, according to FCA data. In 2024/25, sales of drawdown policies were 349,992 compared to sales of annuities of 88,430.

However, recent market forces and regulatory changes have arguably made pension annuities more attractive and should perhaps warrant further consideration from more individuals nearing and in retirement.

High Wycombe-based Independent Financial Adviser, Douglas Sims, explains in our latest article.

Read more: https://www.integrity365.co.uk/the-rise-of-annuities-how-retirement-planning-is-changing/

If you are currently reviewing your retirement planning options and considering an annuity, our trusted Independent Financial Advisers at Integrity365 can help - get in touch today on 01494 509 666.

14/04/2026

"Temporary volatility is part of investing, not a reason to abandon the planning..."

Given the headlines and market volatility we have seen over the last month, today's market commentary draws focus on keeping perspective through geopolitical uncertainty.

In this update, Chartered Financial Planner Sophie Haslehurst discusses why these events have had a knock-on effect on markets, and why planning for the long-term future is key.

Read more at: https://www.integrity365.co.uk/market-update-march-2026/

07/04/2026

“Houston, Integrity, comms check…
It’s so great to hear from Earth again."

As the Artemis II crew head for home after travelling further from Earth than any humans ever have, they suggested naming a newly spotted lunar crater Integrity, after their Orion spacecraft.

Personally, we think it’s a stellar choice - a name that reflects trust, teamwork and the courage to go further than anyone before.

At Integrity365, we may not be orbiting the moon, but we do believe in going further for our clients, and making the complex world of financial planning a bit more down to earth.

🚀 https://www.bbc.co.uk/news/live/clyr8k06jv7t

One of the crew say they have seen "sights that no human has ever seen" after travelling beyond the far side of the Moon.