Forward Plan IFA Ltd

Forward Plan IFA Ltd Forward Plan is an independent financial advisory firm providing you with the advice to help you mak

If you've been watching the news you'll have seen plenty of headlines.- Political uncertainty- Changes in the economy- S...
07/07/2026

If you've been watching the news you'll have seen plenty of headlines.

- Political uncertainty
- Changes in the economy
- Speculation about what might happen next

Whenever there's a period like this, I usually receive more calls from people asking whether they should be changing their pensions, investments or financial plans.

My answer is nearly always the same.

Headlines come and go. A good financial plan shouldn't.

That doesn't mean you ignore what's happening. It means you make decisions based on your own circumstances, your goals and the facts.

If you're unsure how current events could affect your own plans, that's exactly the sort of conversation I'm here to have.

Long term care is one of those areas people often only think about when they have to.By that point, decisions can feel r...
30/06/2026

Long term care is one of those areas people often only think about when they have to.

By that point, decisions can feel rushed and there’s a lot to take in, particularly around how care is funded and what options are available.

If you have savings or property, you may be expected to contribute towards the cost of your care. Understanding how that works in advance can make things much clearer if the time ever comes.

It’s not about planning for the worst.
It’s about knowing where you stand and what choices you have.

📞 01303 767650
🌐 www.forward-plan.co.uk

One of the examples I shared during my presentation last week showed just how significant the Inheritance Tax changes fr...
23/06/2026

One of the examples I shared during my presentation last week showed just how significant the Inheritance Tax changes from April 2027 could be.

Under the current rules, unused pension funds are generally outside your estate for Inheritance Tax purposes.

From 6 April 2027, that changes.

For some families, pensions could form part of their estate when calculating Inheritance Tax, potentially increasing the amount payable.

Every situation is different, which is why it's important to understand how these changes apply to your own circumstances rather than relying on headlines.

If you'd like to discuss what the 2027 changes could mean for you and your family, I'd be happy to help.

It's surprising how many people aren't aware of the current allowances, so here's a quick reminder ahead of next April's...
18/06/2026

It's surprising how many people aren't aware of the current allowances, so here's a quick reminder ahead of next April's changes:

✔️ £325,000 Nil Rate Band: this can usually be passed on free from Inheritance Tax.

✔️ £175,000 Residence Nil Rate Band: available when passing your main home to direct descendants, subject to the qualifying rules.

✔️ Anything left to your spouse or civil partner is generally exempt from Inheritance Tax, regardless of the value of your estate.

There are also important rules around larger estates and unmarried couples that can make a significant difference when planning ahead.

Inheritance Tax isn't just something to think about later in life.

Understanding the rules now gives you more options and helps your family avoid unnecessary surprises in the future.

📞 01303 767650
🌐 www.forward-plan.co.uk

On Friday morning, I had the opportunity to speak to my fellow members at BNI Folkestone about one of the biggest financ...
17/06/2026

On Friday morning, I had the opportunity to speak to my fellow members at BNI Folkestone about one of the biggest financial planning changes on the horizon.

From April 2027, unused pension funds will form part of a person's estate for Inheritance Tax purposes.

It's a significant change that could affect many families and it's one that's well worth understanding before it comes into effect.

The discussion wasn't about causing concern or trying to predict what might happen next - it was about outlining the changes and potential impacts.

If you're unsure how these changes could affect your own plans, I'd be happy to have a conversation.

📞 01303 767650
🌐 www.forward-plan.co.uk

I often hear people say they have big dreams but aren’t sure how to make them a reality. It’s a common feeling and I und...
11/06/2026

I often hear people say they have big dreams but aren’t sure how to make them a reality. It’s a common feeling and I understand.

The good news? With the right plan, those dreams can become achievable goals.

At Forward Plan, we take the time to really understand you.

From your family situation to your finances and your aspirations, we create a plan that works for where you are now and where you want to be.

It’s about making sure your money supports your life - not the other way around.

Whether it’s saving for retirement, securing your family’s future or investing wisely, I’m here to help you work towards your goals, at your own pace.

Feel free to reach out if you’d like a chat by calling me on 01303 767650

You don’t need a London postcode to get top-tier financial advice.At Forward Plan, we’re proud to be based in Folkestone...
09/06/2026

You don’t need a London postcode to get top-tier financial advice.

At Forward Plan, we’re proud to be based in Folkestone, Kent offering fully independent financial advice to clients all across the UK.

💼 Over 28 years experience
🏅 SOLLA accredited (Later Life Advice)
📜 Independent and FCA-regulated
👨‍👩‍👦‍👦 Family owned business

We deliver the same high standards you'd expect from a big-city firm without the London price tag.

Wherever you are in the UK, we’re here to help you plan with confidence.

📞 01303 767650
🌐 www.forward-plan.co.uk

One of the biggest financial decisions people make is often not making a decision at all.I've met people who meant to re...
04/06/2026

One of the biggest financial decisions people make is often not making a decision at all.

I've met people who meant to review their pension.
Meant to update beneficiaries.
Meant to look at retirement plans.

Then five years pass.

You don't need to make dramatic changes every year.

But occasionally review what's going on and make sure things are still working as intended which can make a big difference over time.

🚴‍♂️ World Bicycle Day 🚴‍♀️Cycling to work can be good for your health and your finances too.Through schemes like Cycle ...
03/06/2026

🚴‍♂️ World Bicycle Day 🚴‍♀️

Cycling to work can be good for your health and your finances too.

Through schemes like Cycle to Work, employees can save on tax and National Insurance whilst spreading the cost of a new bike through salary sacrifice.

Employers can benefit as well through reduced NI contributions and healthier, happier staff.

Salary sacrifice can also support:

✅ Pension contributions
✅ Income protection
✅ Wider employee benefits

At Forward Plan, we help businesses put compliant salary sacrifice schemes in place that work for both employers and employees.

📞 01303 767650
🌐 www.forward-plan.co.uk

Quick question.If something happened to you tomorrow, would your family know where to find:📄 Pension paperwork?📄 Investm...
02/06/2026

Quick question.

If something happened to you tomorrow, would your family know where to find:

📄 Pension paperwork?
📄 Investment details?
📄 Insurance policies?
📄 Important financial documents?

Over the years, I've seen plenty of situations where the information existed but nobody knew where it was.

It doesn't need to be complicated.

A folder, a drawer, a notebook or even a simple list can save your family a lot of stress at an already difficult time.

One of the most useful financial planning exercises costs nothing at all.

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5th Floor, Civic Centre, Castle Hill Avenue
Folkestone
CT202QY

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Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
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