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BlueSky Independent Wealth Managers Ltd

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BlueSky Independent Wealth Managers Ltd

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

22/07/2026

From 6 April 2027, many unused pension pots will be included in Inheritance Tax calculations.

Since the government announced the change in the 2024 Autumn Budget, an increasing number of people have opted to withdraw their tax-free lump sum from their pension as soon as they can.

However, taking funds early might not be as tax-efficient as you think.

Before rushing to withdraw your lump sum, it's important to answer these 5 questions. Click the link below to find out what they are.

https://wealthatbluesky.com/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax/

20/07/2026

When you think about the benefits of long-term financial planning, the opportunity to work with a professional to increase your assets might be the first thing that comes to mind.

While that might form part of some financial plans, the hidden benefits may be even more valuable to you.

To discover 5 hidden benefits of financial planning, click the link below.

https://wealthatbluesky.com/revealed-the-hidden-benefits-of-long-term-financial-planning/

17/07/2026

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/

15/07/2026

Longer life expectancies and rising expenses mean care costs are becoming an essential part of financial planning.

Thinking ahead could help you understand your options, prepare for potential costs, and make more informed decisions for your future.

Read our latest guide, linked below, to find out more about planning for later-life care.

https://wealthatbluesky.com/guides/

13/07/2026

Sir David Attenborough is a longtime protector of and advocate for our planet's wildlife, and even in older age, he maintains a profound passion for nature and a drive to change the world for the better.

Over the years, he has imparted his wisdom, worldviews, and personal philosophy through our radios and television screens.

Inspired by his own words, read our blog, linked below, to discover 5 lessons you can learn from David Attenborough on how to live a more rewarding, longer life.

https://wealthatbluesky.com/5-life-lessons-from-sir-david-attenborough/

10/07/2026

4 ways you could choose to pass assets to loved ones:

1. Gifting during your lifetime
2. Using a will to pass on assets when you die
3. Completing an expression of wish to pass on your pension
4. Setting up a trust that allows you to retain control

Read our blog, linked below, to learn more.

https://wealthatbluesky.com/4-ways-you-could-choose-to-pass-on-assets-to-loved-ones/

08/07/2026

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:

1. Will your estate be liable for Inheritance Tax?
2. Would the withdrawal be subject to Income Tax?
3. How do you intend to use the money?
4. How might a large withdrawal affect your long-term income?
5. Are there other strategies you could use to reduce Inheritance Tax on your pension?

Read our blog, linked below, to learn more.

https://wealthatbluesky.com/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax/

06/07/2026

5 hidden benefits of working with a financial planner:

1. A financial plan could identify ways to build wealth tax-efficiently
2. A long-term strategy may provide you with peace of mind
3. Reviewing your finances could improve your relationship with money
4. Speaking to your financial planner could offer a new perspective
5. A long-term plan could help you achieve financial freedom

Read our blog, linked below, to learn more.

https://wealthatbluesky.com/revealed-the-hidden-benefits-of-long-term-financial-planning/

03/07/2026

Retirement is a significant life transition.

Some of the financial habits that served you well during your working life might no longer suit your retirement lifestyle.

Sticking to your current financial habits could mean you miss out on opportunities to enjoy your retirement, or even mean you risk using up your savings too soon.

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

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

01/07/2026

Have you planned to reach your 100th birthday?

Planning for a 100-year life often raises important questions about how to arrange your finances to secure the life you want, including how to ensure you have "enough" and what strategies are appropriate for you.

To discover how you can plan for a 100-year life, read our latest guide, linked below.

https://wealthatbluesky.com/guides/

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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