MDM Wealth

28/08/2026

Join our MD at David Lloyd for a great session on Retiring with Confidence!

Member Wealth Series: Retire with Confidence ✅

Retirement is one of the biggest financial transitions we’ll ever experience — and the decisions we make in the years and months leading up to it can have a lasting impact on our lifestyle, income and financial security.

Join local Chartered & Certified Financial Planner Dan Martin of MDM Wealth for an informal and engaging discussion exploring the key questions facing those approaching retirement:

💷 Do I have enough to retire comfortably?
📈 How can I turn my pensions and investments into a sustainable income?
⚠️ What are the biggest mistakes retirees make?
💡 How can I make informed decisions with confidence?
❓ Plus, Q&A

This educational session is designed to provide practical insights, real-world examples and actionable ideas to help you prepare for the next chapter of life — with no jargon, no pressure and plenty of opportunity to ask questions.

📅 Wednesday 2nd
⏰ 11:30am & 7:30pm
🎟️ Admission is free

Attendees will also have the opportunity to support the David Lloyd Foundation through an optional charitable donation via QR code on the evening.

📲 Book via the App.

02/07/2026

Think retirement gets cheaper?

Think again.

Most prospective clients retirement plans focus too heavily on income generation.
�But what often gets missed are the real‑world costs that don’t disappear when work stops.

Particularly the ones that aren’t catered for by a simple direct debit or standing order.

We assist our clients by sense checking this and inputting expenses they may have forgotten to include.

Here are 10 commonly overlooked expenses we see when reviewing our clients expenditure breakdown:

• Home maintenance & upgrades�• Replacing cars�• Gifts, celebrations & family milestones�• Helping adult children or grandchildren�• Travel & short breaks�• Hobbies, clubs & memberships�• Everyday living inflation�• Technology replacements - phones, laptops �• Big one‑off purchases�• Higher spending in the early years of retirement

A good retirement plan isn’t just about how long the money lasts.

It’s about whether it supports the life you actually want to live.

💬 Which expenses do you commonly overlook?

25/06/2026

Most people don’t realise they’re making this mistake before retirement…

They go from earning a consistent income…
to suddenly needing their money to create one, without a clear plan.

That uncertainty is exactly why so many people come to us.

I’m pleased to share I’ve been featured in The Telegraph’s VouchedFor Top Rated Guide June 2026 due to client feedback.

Those clients choose to work with us because:

→ They want a clear plan for turning their portfolio into a reliable income
→ They want confidence in whether they can stop working
→ They want structure, not guesswork

At MDM Wealth, we help clients move from uncertainty to clarity.

If you’re approaching retirement, or have recently had a large financial event (business sale, bonus, pension consolidation), it’s worth asking:

“Do I actually know how this turns into a monthly income?”

If the answer isn’t a confident yes, let’s have a conversation.

Link to my profile in the comments.

25/06/2026

Most retirement plans focus on how to enjoy life…

Very few address a key reality: funding care later in life.

With people living longer, the likelihood of needing some form of care is increasing, and costs can be significant.

Our latest guide outlines:

• The different types of care available

• What it could cost

• The options for funding it

• How to build it into a robust financial plan

It’s not always an easy conversation, but planning early can give both you and your family clarity, confidence, and control.

I hope you find our guide valuable, and don't be afraid to forward it on to family, friends and colleagues who may find its content useful.

https://www.linkedin.com/posts/danielxmartin_mdm-guide-later-life-care-planning-ugcPost-7475826214096601088-MmUt/?utm_source=share&utm_medium=member_desktop&rcm=ACoAABMdMOUBsQ3etb-skz4Uo7g3DoGlWnkSXNg

24/06/2026

What incredible feedback posted today from a client we have had the privilege to look after for the last 8 years! 🤩🙌

20/06/2026

How to plan for retirement as a small business owner.

Research suggests that many small business owners and self-employed workers aren’t prioritising their retirement and could face uncertainty later in life as a result. However, opening a pension could benefit both you and your business.

According to an article from Which? (1 March 2026), people who have spent most of their working life as self-employed are three times more likely not to have a private pension.

Fluctuating earnings and a reliance on your business could mean you overlook a pension

There are many reasons why small business owners are less likely to pay into a pension.

A key one is that your earnings might fluctuate, which may make it difficult to balance your short- and long-term financial priorities. Indeed, according to Which?, 4 in 10 self-employed workers cite this as their biggest barrier to retirement saving.

Working with a financial planner to create a tailored plan could help you understand how to manage retirement contributions.

Read more here: https://mdmwealth.co.uk/how-to-plan-for-retirement-as-a-small-business-owner/

19/06/2026

The importance of managing your pension withdrawals to protect your retirement lifestyle.

Managing your pension doesn’t stop once you retire and start to draw an income from it. In fact, your pension still needs careful attention in retirement – just as much as when you were contributing – to ensure you don’t deplete it too quickly.

Research suggests that many retirees aren’t taking professional advice and are potentially making financial decisions they’ll regret in the future.

According to the Financial Conduct Authority (FCA) (22 September 2025), in 2024/25, less than a third of people accessing their pension for the first time took regulated financial advice.

In addition, an FTAdviser article (5 March 2026) noted that a previous survey found that many retirees will deplete their pension by their late seventies if they maintain their current withdrawal rate, leaving the average person with a nine-year shortfall. 1 in 7 already regret how much they’ve withdrawn.

Continue to read on here

Managing your pension doesn’t stop once you retire and start to draw an income from it. In fact, it’s just as important to remain engaged with your pension once you start depleting it as it was when you were contributing to it to avoid spending it too quickly.

18/06/2026

"Making sense of our finances has given us confidence about what comes next"

Our clients’ stories are the reason we do what we do; creating strategic financial plans that take people from where they are, to where they want to be. The following stories are proudly shared from our existing clients who we are thrilled to work for.

Take a watch here: https://mdmwealth.co.uk/client-stories/

06/05/2021

🖋New blog: Pension Lifetime Allowance is frozen until 2026: Will it mean your retirement tax bill soars? https://mdmwealth.co.uk/pension-lifetime-allowance-is-frozen-until-2026-will-it-mean-your-retirement-tax-bill-soars/

While the chancellor didn’t announce personal tax rises in this year’s budget, a freeze on allowances could mean your tax bill unexpectedly increases. High earners and those with defined benefit (DB) pensions could now find they exceed the Lifetime Allowance, as it will remain frozen until 2026.

21/02/2021

Have you ever wondered why making decisions about your money is so difficult?🧐

Check out our latest FREE GUIDE with Neil Bage to find out more✅

Link to download in the comments👇