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ACJ Financial Planning

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ACJ Financial Planning

Chartered Financial Planners based in Warwickshire

03/09/2026

New on the ACJ blog: income protection and critical illness cover are routinely confused, but they solve different problems. We look at what each one does and where each can fall short.

• What statutory and company sick pay would actually give you, and for how long

• How a monthly income benefit differs from a lump sum on diagnosis

• Deferred periods, occupation definitions and why policy wording decides the outcome

• The shared realities of underwriting, reviewable premiums and rising costs with age

If you are unsure what your existing cover would pay, and when, we are always glad to help you check.

Read below to find out more.

Income protection or critical illness cover? We explain how each works, what statutory sick pay gives you first, and where each type of policy can fall short.

20/08/2026

New on the ACJ blog: from April 2027 the cash ISA allowance falls to £12,000 for under-65s, while the overall ISA allowance stays at £20,000. We look at what is changing and what it asks of savers.

• The new £12,000 cash ISA limit, and why those aged 65 and over are not affected

• The rules on cash held inside a stocks and shares ISA, and the ban on transfers into cash ISAs

• Why the change does not oblige anyone to start investing

• The honest trade-off between market risk and cash losing ground to inflation

If your savings have sat in cash out of habit rather than need, there is time to think it through before April 2027. We are happy to help.

Read below to find out more.

From April 2027 the cash ISA allowance falls to £12,000 for under-65s. We explain the new limits, the 22% charge on cash in non-cash ISAs and what it means for savers.

16/08/2026

New on the ACJ blog: your fixed rate is ending, the Bank of England has held Bank Rate at 3.75 per cent, and waiting for a cut is a bet rather than a plan. We look at how to approach the decision.

• What happens if a fixed rate simply expires and you end up on the lender's standard variable rate
• Why lenders and MoneyHelper both point to a six month window, and how to use it
• Fixed versus tracker, and the certainty you gain or give up either way
• The charges, fees and loan to value details that decide whether a switch is worthwhile

If your deal ends within the next year, there is time to look at this properly rather than under pressure. We are always happy to help you weigh it up.

Read below to find out more.

Your fixed rate is ending and Bank Rate is holding at 3.75%. We look at standard variable rates, the six month remortgage window, and fixed versus tracker deals.

12/08/2026

New on the blog this week: private medical insurance, what it covers, what it costs, and the gaps in cover that catch people out.

• Why long NHS waiting lists are driving more people to consider PMI

• How basic and comprehensive policies differ, and the levers that change the premium

• What PMI will not cover, from chronic conditions to A&E

• The questions to answer before you compare a single quote

The right protection starts with knowing what problem you are solving. We can help you work that out.

Read below to find out more.

Private medical insurance explained: what PMI covers, how policies and premiums vary, and the exclusions to understand before you buy, from ACJ Financial Planning.

06/08/2026

New on the blog this week: topping up your State Pension, and how to tell whether buying extra National Insurance years would genuinely pay off for you.

• How qualifying years work, and why 35 is the number that matters for the full rate

• What voluntary contributions cost, and what an extra year adds to your pension

• The six-year deadline for filling gaps now the 2006 window has closed

• Why checking your forecast first is essential, as top-ups do not always add anything

A free State Pension forecast on gov.uk is the place to start, and we can help you work out what it means.

Read below to find out more.

https://www.acjfinancialplanning.co.uk/blog/maximising-your-state-pension

Buying extra National Insurance years can boost your State Pension for life, but not always. We look at the costs, the six-year deadline and what to check first.

04/08/2026

New on the blog this week: leasehold or freehold, and why two properties at the same asking price can be very different financial commitments.

• What owning a leasehold flat actually means, and how it differs from a freehold house

• The ongoing costs to check, from service charges to ground rent on older leases

• Why the length of the lease matters for value, mortgages and resale

• Where leasehold reform has got to, and what is still only a proposal

If you are choosing between a flat and a house, understanding the tenure is as important as the price.

Read below to find out more.

Leasehold flat or freehold house? We compare the real costs, from service charges and ground rent to lease length, plus where leasehold reform stands in 2026.

16/07/2026

Business Relief still helps pass a business on free of inheritance tax, but further changes in April 2026 warrants a quick overview of where we are.

• What Business Relief is, and what still qualifies

• The new £2.5 million cap on 100% relief, and 50% relief above it

• Why AIM and other unlisted shares now get less generous treatment

• What business owners and their families should check before relying on it

If you own a business or hold assets you expect to pass on tax-efficiently, it is worth understanding where you now stand.

Click below to find out more.

Business Relief can still pass a business on free of inheritance tax, but from April 2026 a £2.5 million cap applies. Here is what business owners need to know.

09/07/2026

New on the ACJ Financial Planning blog: the cash sitting in your business account may be less protected, and less productive, than it looks. We walk through what is worth checking.

• How FSCS protection works for business deposits, and why £120,000 per bank can cover only a slice of your reserves

• The concentration risk of running everything through one banking relationship, whatever the bank's size

• Why a competitive rate has to be weighed against access, tax and the cash you need to hand

• What cash savings platforms can and cannot do, and the FSCS points to check first

If you have not looked recently at how your company's cash is held and protected, a review can be time well spent.

Read below to find out more.

Is your business cash as safe and as productive as you think? We look at FSCS protection, concentration risk, returns and what savings platforms can and cannot do.

11/06/2026

Giving with purpose can also reduce your inheritance tax liability.

This week’s blog explores how charitable giving can form part of an effective estate planning strategy.

Key considerations include:

• Gifts to charities are exempt from inheritance tax

• Leaving 10% or more of your estate to charity can reduce the IHT rate from 40% to 36%

• Structuring your will carefully can balance legacy goals with family provision

A thoughtful approach can help you support causes that matter while improving tax efficiency.

Read the full blog post below:

When thinking about your estate, the focus is often on ensuring your family is financially secure. However, for many individuals, there is also a desire to leave something meaningful behind. Charitable giving can help you achieve both objectives, supporting causes that matter to you while potentiall

15/05/2026

Capital Gains Tax is no longer a niche concern for investors.

This week’s blog post looks at why Capital Gains Tax now matters to more people, particularly those building or realising long-term wealth.

In the article, we explore:

• How CGT works and when it applies
• Common planning pitfalls and misconceptions
• Why timing, allowances and asset choice matter as capital grows
• Practical considerations for those with significant investable assets

If you have investments, understanding CGT is essential.

Read the full blog post here:

Managing your investments and financial assets involves more than just making smart choices; it also entails understanding the implications of taxation. Capital Gains Tax (CGT) is a significant consideration for anyone with investments in the UK.

Address

26 Dodgson Close
Rugby
CV227ZQ

Opening Hours

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

Telephone

+441788648108

Website

http://www.acjfinancialplanning.co.uk/

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