Stephen M Bryson - Financial Adviser

Stephen M Bryson - Financial Adviser FRN 529810. Head Office: Newburn House, Gateway West, Newcastle upon Tyne, NE15 8NX

Stephen Bryson is a Restricted Financial Adviser with True Potential Wealth Management LLP (OC356611) which is authorised and regulated by the Financial Conduct Authority.

10/07/2026

The power of compounding.
Avoiding large drawdowns or withdrawals is critical to compounding returns in the long term.

For example, a 5-year return profile of:
10%, 10%, 5%, 5%, 0%
Beats
20%, 20%, 10%, 10%, -25%

“The mathematics of compounding dictates the large losses have a disproportionate effect on cumulative returns. From a full-cycle perspective, avoiding them is critical.”

Past performance is not a guide to future performance and performance forecasts are not a reliable indicator of future performance.

Source: Schroders MM Investment Team. Quote: John Hussman, Hussman
Funds Newsletter.

This post is not financial advice or a personal recommendation

05/07/2026

Can I do something to pay less income tax?

Yes. Pension contributions are a well-known option. There are also types of investments that can offer notable tax relief, although these are typically high risk.

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest.

01/07/2026

What’s the best type of pension?

Horses for courses… What’s the best type of vehicle? A Ferrari isn’t ideal for ploughing a field, a tractor won’t win the F1. A motorbike won’t fit a family of 4. A Boeing 747 isn’t a practical option if you need to parallel park.

Financial advice exists because the options aren’t always obvious or easy to navigate.

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility criteria applies.

26/06/2026

Question: How much can I contribute to a pension?

‘Answer’: For the tax advantages, you’re limited to 100% of your qualifying income or £60,000 per year, whichever is the lesser. For those without earnings the allowance drops to £3,600 per year. These figures all include basic-rate tax relief. Technically you’re not limited to how much you can contribute to a pension, but the tax advantages are capped and any oversubscribing could lead to tax charges to offset the tax relief.

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility criteria applies.

20/06/2026

Self-employed with no pension?
Do you know how a pension can also bring tax advantages?

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility criteria applies.

17/06/2026

Have a SSAS? Want a SSAS? Why?

What Is a SSAS?
A SSAS is a type of occupational pension, it stands for Small Self-Administered Scheme, and is generally used by small businesses who don’t have a lot of staff.

Why a SSAS?
Like with a SIPP, you can manage your own investments and they can be used to purchase commercial property. They can also provide business loans to the sponsoring employer.

Why not a SSAS?
If you do not need to utilise the benefits , another type of pension might be cheaper and more appropriate. Performance may be better with a professionally managed portfolio compared to a self-managed portfolio, though this is never guaranteed.

Note: there are other advantages and disadvantages. Personal advice is needed to assess the suitability.

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility criteria applies.

14/06/2026

Have a SIPP? Want a SIPP? Why?

What Is a SIPP?
A SIPP is a Self-Invested Personal Pension, a type of personal pension that allows a wider range of investments than other personal pensions.

Why a SIPP?
You can manage your own investments and some can be used to purchase commercial property.

Why not a SIPP?
They can be more expensive to run and performance may be better with a professionally managed portfolio, though this is never guaranteed. If you don’t want to hold commercial property in your pension, other types of pensions might be more appropriate.

Note: there are other advantages and disadvantages. Personal advice is needed to assess suitability.

Contact me to find out if retirement and pension advice is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. Pension eligibility criteria applies.

29/05/2026

How do you measure wealth?

Some people would say income, but
would that be total, or gross or net?

Or would it be liquid funds? Or assets?
Again, would that be gross or net? But
then a person can be asset rich and cash
poor.

Or in the words of Michael Corleone
"The only wealth in this world is children.
More than all the money, power on Earth,
you are my treasure"

How would you measure wealth?

23/05/2026

Question: I want to invest in stocks and shares, why do I need an adviser?

‘Answer’: It is possible to buy and sell shares without an adviser, however performance and diversification may be better with a professionally managed portfolio, though this is never guaranteed.. So you could make more without the extra work.

Contact me to find out if a Stocks & Shares ISA is right for you.

With investing, your capital is at risk. Investments can fluctuate in value and you may get back less than you invest. ISA and pension eligibility criteria apply. Tax is subject to an individual’s personal circumstances and tax rules can change at any time.

19/05/2026

I was told on a seminar in January this year that the average age of a financial adviser is 62, that they expect 50% of Financial Advisers to retire in the next 5 years!

I’m certainly not going to retire any time soon! Get in touch if you need an adviser, if you expect yours to retire or if you want a review.

Address

24 Finkle Street
Selby
YO84DS

Telephone

+447496787096

Website

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