Stratagem Financial Planning

Stratagem Financial Planning We are Stratagem Financial Planning: an independent financial advisory firm based in Poynton, Cheshire. We take a personal approach to financial planning.

Specialising in pensions, investments and planning for businesses and entrepreneurs, we help clients across the UK achieve their long-term goals and aspirations. Using the very best in technology and a wealth of experience, our independent experts show businesses and individuals alike how to get the most from their money, all while keeping their ambitions at heart. To find out more about how we can help, get in touch at [email protected] or on 01625 839 839.

It's common to be juggling different goals with various time frames, which can be difficult to balance.Alongside saving ...
17/07/2026

It's common to be juggling different goals with various time frames, which can be difficult to balance.

Alongside saving for retirement or paying off your mortgage, your short-term goals might feel less important.

However, they're just as valuable for your overall wellbeing and play an important role in your financial plan.

Click the link below to discover 3 options for making the most of your short-term savings.

https://stratagemfp.co.uk/balancing-your-goals-3-options-for-short-term-savings/

According to a survey carried out by Aviva, 1 in 5 UK adults have invested in crypto, and 27% said they could consider i...
16/07/2026

According to a survey carried out by Aviva, 1 in 5 UK adults have invested in crypto, and 27% said they could consider it as part of their retirement plan.

As cryptoassets can experience extreme volatility and lack the regulatory protection of traditional investments, they are typically considered very high risk.

Our latest blog, linked below, features 5 questions that could help you assess whether they would be an appropriate investment for you.

Cryptoassets may not be regulated financial products so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors.

https://stratagemfp.co.uk/5-questions-to-consider-before-you-choose-high-risk-crypto-investments/

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:1. Will your estate be liable for...
09/07/2026

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://stratagemfp.co.uk/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax/

Retirement is a significant life transition.Some of the financial habits that served you well during your working life m...
07/07/2026

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://stratagemfp.co.uk/why-you-could-benefit-from-reviewing-your-financial-habits-as-you-transition-into-retirement/

With crypto becoming a common topic of conversation, it might feel like everyone around you is invested and that you're ...
03/07/2026

With crypto becoming a common topic of conversation, it might feel like everyone around you is invested and that you're missing an opportunity.

However, only 8% of people held cryptoassets in 2025, according to a survey conducted by the Financial Conduct Authority.

If you're experiencing FOMO, it's important to research crypto before you invest.

Read our blog, linked below, to find out 5 crucial things you need to understand about investing in crypto.

Please note: Cryptoassets may not be regulated so please be aware that trading them carries a considerable amount of risk for your capital. Cryptocurrencies are also not covered by existing consumer protection laws and are not suitable for the majority of investors.

https://stratagemfp.co.uk/5-crucial-things-you-need-to-understand-before-considering-crypto/

Inheritance Tax is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax l...
02/07/2026

Inheritance Tax is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax liability.

As your estate grows, a larger portion could exceed the nil-rate band and become subject to Inheritance Tax.

What's more, once your estate reaches £2 million, your tax-efficient allowance can start to reduce, exposing more of your wealth to Inheritance Tax.

Read our blog, linked below, to learn how the value of your estate could affect the amount you can leave behind tax-efficiently.

https://stratagemfp.co.uk/how-the-value-of-your-estate-affects-a-key-inheritance-tax-allowance/

If you're planning to take a career break, being proactive could help you keep your pension and long-term plans on track...
26/06/2026

If you're planning to take a career break, being proactive could help you keep your pension and long-term plans on track.

Many people taking a career break will consider the effect on their short-term finances, such as how they'll pay essential bills and if they'll need to dip into savings.

However, they may not consider the potential long-term implications of pausing pension contributions.

To discover how you can keep your pension and long-term plans on track while you take a career break, click the link below.

https://stratagemfp.co.uk/how-to-take-a-career-break-and-keep-your-pension-on-track/

Address

1 Park Lane
Poynton
SK121RD

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 9am - 5pm

Telephone

+441625839839

Website

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