Cherry Hudson Independent Financial Adviser

06/07/2026

Love finding little honesty stalls on my travels around Devon.

I stopped and bought some fresh peas. 🫛

It’s nice to know there are still places where people leave their produce out, trust people to pay, and support their local community. 🤝

They tasted far better than supermarket peas too!

24/06/2026

Some things to consider when taking money out of a pension… 🤔

Always seek Independent Financial Advice 🙂

While freeing up a sizeable lump sum may allow you to meet immediate financial needs, withdrawing a pension in one go is a decision that needs careful consideration, especially if it's your main retirement pot.

23/06/2026

𝗢𝗻𝗲 𝘁𝗵𝗶𝗻𝗴 𝗵𝗲𝗮𝘁𝘄𝗮𝘃𝗲𝘀 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗵𝗮𝘃𝗲 𝗶𝗻 𝗰𝗼𝗺𝗺𝗼𝗻?

Preparation 💭

The people who tend to cope best are often the ones who planned ahead.

My plan for today is simple - keep the curtains closed, keep the house cool, and enjoy an iced coffee! ☕️

Whether it’s preparing for a heatwave, working towards a goal, or planning for retirement, a little preparation can make a big difference when circumstances change.

How are you staying cool this week?

17/06/2026

Working in Devon means travelling along roads like this, brushing the hedgerows and dodging the occasional pheasant on the way to client meetings. 🛣️

For anyone not from Devon, this is what we call a main road 😂

One of the many reasons I love working where I do. ☺️

16/06/2026

Markets move. That’s normal. 📉📈

Short-term market ups and downs are a normal part of investing, and keeping too much money in cash for the long term can sometimes make it harder to achieve your goals.

This latest blog looks at why sticking to a long term plan is often more important than reacting to short term headlines, and why patience can be one of the most valuable investment habits of all. 🪎

Worth a read:

https://equitasfinancial.net/2026/05/19/the-power-of-participation-markets-move-participation-matters/

General information only – not personal financial advice.

Why time in the market beats timing the market

09/06/2026

📊 𝗪𝗵𝗶𝗰𝗵 𝘁𝗮𝘅 𝘁𝗵𝗿𝗲𝘀𝗵𝗼𝗹𝗱 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗳𝗿𝗼𝘇𝗲𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗹𝗼𝗻𝗴𝗲𝘀𝘁?

The £3,000 annual inheritance tax gifting allowance has been £3,000 since 1981 😮

The inheritance tax nil-rate band has been £325,000 since 2009. 🧑‍🧑‍🧒‍🧒

The £100,000 income tax taper threshold has been unchanged since 2010. 💷

Inflation has continued 📈

So while the numbers haven’t changed, many tax allowances and thresholds have become significantly less generous in real terms. 📉

A useful reminder that tax planning is about knowing the rules, and understanding how available allowances fit into your wider goals ⚽️

Whether that’s ISAs, pensions, gifting, savings allowances or other tax reliefs, leaving allowances unused can sometimes mean missing opportunities that can’t be recovered later.

Source: MoneyWeek, using Gov.uk data and Bank of England inflation calculations.

General information only and not personal financial advice.

01/06/2026

📚 𝗧𝗵𝗲 𝗮𝗻𝗻𝘂𝗮𝗹 𝗰𝗵𝗲𝗰𝗸 𝘁𝗵𝗮𝘁 𝗵𝗲𝗹𝗽𝘀 𝗸𝗲𝗲𝗽 𝗮𝗱𝘃𝗶𝘀𝗲𝗿𝘀 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗯𝗹𝗲…

This is my Statement of Professional Standing (SPS) for another year.
It’s an important part of being a regulated financial adviser.

The certificate confirms that I’ve met the qualification, ethics, training and competency requirements needed to continue providing regulated financial advice.

This is demonstrated through -

📚 Ongoing study and learning
📄 Compliance oversight and record keeping
✅ Completing ongoing annual training and Continuous Professional Development (CPD)
🤝 A commitment to professional standards and ethics
✔️ Meeting ongoing regulatory competency requirements
📈 Keeping up with ever-changing legislation, tax rules and financial planning developments

It’s not something you achieve once and forget about - it has to be maintained throughout the year, every year.

Behind the scenes, there are countless hours of study, learning, reviewing technical changes, and keeping knowledge up to date so clients can feel confident the advice they receive remains appropriate and current.

Professional standards matter when people are trusting you with their long-term financial planning, retirement, family, and future.☺️

29/05/2026

𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝘀 𝗼𝗻𝗲 𝘁𝗵𝗶𝗻𝗴. 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿.

Business owners often spend years investing in their business, but very little time investing in themselves.

Most are busy focusing on clients, staff, cashflow, growth, family life, and long-term planning often gets pushed down the list 📋

For some business owners, pensions can be a tax-efficient way of moving money from the business - into their future 🔮

It’s simply understanding what options are available in the first place.

Whether that’s a conversation with your accountant or a qualified IFA (Independent Financial Adviser), understanding the options available is often the first step. 🗣️

General information only, not personal financial advice. Tax treatment depends on individual circumstances and may change in future.

21/05/2026

Today I attended the Consumer Duty Alliance ‘Raising Standards Together’ conference at Sandy Park in Exeter, and came away feeling really proud to be in the Financial Planning profession 😊

There was plenty of discussions with people who genuinely care about improving outcomes for clients.

Conversations were centred around people, including -

• vulnerability and life circumstances
• bereavement support
• fair value and pricing
• client understanding and communication
• building trust in financial services
• improving financial education
• supporting women into finance
• and strengthening the UK’s investment culture

I also found it encouraging to hear that financial education is expected to become part of the national curriculum by 2028 📚

The Financial Conduct Authority (FCA) were there, and spoke openly about wanting to build greater trust in financial advice and improve consumer outcomes

I also finally got to meet some people I genuinely look up to in the profession! 🤩

A really thought-provoking and inspiring day overall. 💭

20/05/2026

𝗦𝗺𝗮𝗹𝗹 𝗰𝗵𝗮𝗻𝗴𝗲𝘀. 𝗕𝗶𝗴 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲!

When I meet a client, I like to see a bank statement. This is to look at money coming in and out, and understand their current lifestyle and spending habits.

It helps me build a clearer picture of what day-to-day life looks like, so we can think properly about future plans and goals.

Recently, I met a one person paying £135 a month for a TV and phone setup, alongside mobile data and extras they weren’t using.

We discussed reviewing it with the provider to explore some of the newer packages now available.

They realised they could still keep the channels and services which were important, but cut down on the cost.

As a result, it went down to £65 a month!

That’s over £800 a year saved! 💷 Even better, it can be invested to help it grow even further! 📈

Over 10 years, that’s more than £8,000 staying in their pocket instead of someone else’s, and that’s not to be sneezed at. 🤧

Sometimes a simple “spring clean” of the bank account to spot forgotten subscriptions, unused services and bills can make a real difference. 🌱

Financial planning is personal, everyone’s situation is different.