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Independent Wealth Management & Financial Planners Great financial planning can change your life.

We will guide you through all area's of finance with jargon free communication

14/10/2026

4 reasons why making mobility a priority during retirement could bring significant long-term benefits:

1. Protect your independence
2. Reduce daily “niggles” and joint discomfort
3. Improve balance and prevent falls
4. Keep up with the activities you enjoy

Read our blog, linked below, to find out more.

https://wealthatbluesky.com/4-reasons-to-focus-on-mobility-in-retirement/

12/10/2026

Are your goals actually your own?

It can be easy to follow the path that feels expected, whether that means climbing the career ladder, retiring in a certain way, or working towards milestones that seem like the obvious next step.

But taking time to think about what you genuinely want could help you make more intentional decisions about how you use your time and money.

Read our latest blog, linked below, to discover how a financial plan could help you set meaningful life goals.

https://wealthatbluesky.com/how-to-stop-following-the-crowd-and-set-meaningful-life-goals/

09/10/2026

Could Capital Gains Tax take more of your wealth than you expect?

According to the Office for Budget Responsibility, HMRC is forecast to collect £29.8 billion in Capital Gains Tax by 2030/31, more than double the £13.7 billion collected in 2024/25.

With the Annual Exempt Amount now just £3,000 and tax rates higher than they were a few years ago, more people could find themselves with a bill when disposing of investments, property, or other assets.

Read our latest blog, linked below, to discover 5 ways you might reduce a future Capital Gains Tax liability.

https://wealthatbluesky.com/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

07/10/2026

5 common scams you need to be aware of:

1. Phishing and smishing
2. Investment scams
3. Pension scams
4. Romance fraud
5. Vishing

Read our blog, linked below, to find out more.

https://wealthatbluesky.com/5-common-scams-you-need-to-be-aware-of/

05/10/2026

5 useful tips for avoiding headline-driven decisions ahead of the Budget:

1. Limit your exposure to the news and social media
2. Remember that speculation isn’t the same as policy
3. Keep in mind that not all potential changes will be relevant to you
4. There’s often a transition period before new policy is introduced
5. Build in a delay before you act on decisions

Read our blog, linked below, to find out more.

https://wealthatbluesky.com/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

02/10/2026

One problem many retirees face is the shift from earning an income and building wealth to depleting your assets.

In fact, only half of mid-retirees aged between 65 and 75 who do not pay for financial advice are confident they're on track to make their pension savings last for life, according to an Aviva survey.

If you're nervous about running out of money in later life, we're here to give you peace of mind. Get in touch or read our blog, linked below, to learn more.

https://wealthatbluesky.com/why-you-could-benefit-from-reviewing-your-financial-habits-as-you-transition-into-retirement/

30/09/2026

In our fast-paced, screen-heavy world, finding simple ways to boost health and bring people closer can feel surprisingly challenging.

Yet, research shows that regular outdoor activity and strong social connections are two of the biggest drivers of childhood happiness and long-term wellbeing.

Sometimes, the best remedy is simply going for a walk.

To discover how the Dutch tradition of avondvierdaagse could inspire your family to get moving, click the link below.

https://wealthatbluesky.com/the-dutch-walking-tradition-that-your-family-could-learn-from/

28/09/2026

1 in 5 savers aged over 65 are passing on cash to their loved ones to reduce a potential Inheritance Tax bill, according to Paragon Bank.

However, gifting assets during your lifetime does not always mean they are immediately outside your estate.

Some gifts may be treated as potentially exempt transfers, which means they could still be liable for Inheritance Tax if you pass away within seven years.

Read our blog, linked below, to understand when Inheritance Tax could apply to gifts.

https://wealthatbluesky.com/explained-when-inheritance-tax-could-apply-to-gifts/

25/09/2026

2 upcoming ISA changes you should be aware of:

1. The Cash ISA limit will reduce to £12,000 for under-65s
2. Interest earned on cash held in non-cash ISAs will be subject to 22% tax

Although ISAs remain a popular and tax-efficient way to save and invest, these changes could affect how you use your allowance from April 2027.

Read our blog, linked below, to find out how the changes could affect you.

https://wealthatbluesky.com/2-upcoming-isa-changes-you-should-be-aware-of/

23/09/2026

4 psychological reasons why investors make mistakes:

1. Emotions could cloud your judgement
2. Overconfidence may tempt you to try to time the market
3. Confirmation bias could lead you to overlook information
4. Following the crowd may feel safer

Read our blog, linked below, to find out how you can limit the impact of emotions and bias on your investment decisions.

https://wealthatbluesky.com/the-psychology-behind-investment-mistakes/

Address

(Head Office) : Forth House, 28 Rutland Square
Edinburgh
EH12BW

Opening Hours

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

Website

http://www.wealthatbluesky.com/

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