Cleeve Financial Planning

21/07/2026

A new Prime Minister, possible changes to the State Pension age ⏱️ and more pensioners being drawn into the income tax net.

There is plenty happening that could affect your financial plans.
In our latest update, we look at:

• proposals to bring forward the rise in the State Pension age
• the impact of frozen tax thresholds on retirees
• the latest UK economic data
• the challenges facing the new government

📖 Read the full update here 👇👇👇

https://us9.campaign-archive.com/?e=__test_email__&u=5dce31dd7d330ffcc385bc03c&id=739d4ddd93

10/07/2026

📉 Could weaker jobs data, falling oil prices and huge AI spending change the outlook for investors?

The latest WeekWatch looks beyond the headlines to explore what has been moving markets — and what it could mean for interest rates, inflation and investments.

This week’s update covers:

🔹 Why disappointing US jobs figures could influence future interest-rate decisions
🔹 Whether falling oil prices may help ease inflation
🔹 Growing concerns over the billions being spent on artificial intelligence
🔹 Important proposed changes for first-time buyer savers
🔹 Why some older pension plans may be delivering poor value

It also examines the investment gap between men and women — and whether younger generations are beginning to close it.

Read the full update here 👇

https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/weekwatch-06-07-2026.html

17/06/2026

📈 WeekWatch Update
Markets climbed this week as global tensions eased, oil prices fell, and inflation remained in focus.

This week’s update also looks at proposed mortgage rule changes, potential improvements for cohabiting couples, and why staying the course matters when investing.

⚽ In our video, To Dive or Not to Dive, we explore how goalkeepers facing penalties may sometimes be better off staying still rather than diving too quickly. Investing can be similar. In a world full of headlines, reacting to short-term noise can be tempting, but staying focused on a long-term plan is often the better approach.

Read the full WeekWatch here:
https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/weekwatch-15-06-2026.html -The-Picture

The value of investments can fall as well as rise, and you may get back less than invested. Your home may be repossessed if you do not keep up repayments on your mortgage.

09/06/2026

💭 A common question that our financial advisers are hearing at the moment is: when is the right time to de-risk your pension or investment portfolio?

With ongoing political and economic uncertainty, it’s understandable that more people are reviewing how much risk they are taking with their pension.

De-risking doesn’t necessarily mean moving everything into cash or low-risk investments. It’s about finding the right balance between protecting what you’ve built up and keeping your money working for the future. ⚖️

In our latest article, we explain why timing, diversification, cash buffers and regular reviews all matter as you approach retirement. 🧭

👉 Read more by clicking below

Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.

12/05/2026

We are thrilled to welcome Hannah Lake, DipPFS, as our new Trainee Financial Adviser at Cleeve Financial Planning! 🎉

Bringing over 20 years of retail banking experience, Hannah joined us through the SJP Academy in October 2025. She has made spectacular progress, passing 5 of her 6 exams by April, and is now officially authorised to provide financial advice! She sits her final exam this June. 📚✨

While our main office is in Bristol, Hannah operates from Bude, Cornwall. She is passionate about building trusted relationships and providing tailored, bespoke advice to her local client bank and beyond, offering both face-to-face and remote meetings. 🤝

When she isn't helping clients achieve their financial goals, Hannah loves making the most of North Cornwall's coastal life, usually on the beach or hiking the South West Coast Path with her husband and two daughters. 🌊🥾

Please join us in congratulating Hannah on her incredible exam success and welcoming her to the team!

02/04/2026

Feeling overwhelmed by financial decisions? You’re not alone. It’s like standing in front of a crowded train station, unsure of which platform to choose.

That’s where tailored financial advice comes in. It’s like having a trusted guide who knows the best route for you.

When you have a plan designed for your needs, you can breathe easier knowing you’re on the right path toward your goals.

Less stress about money means more time to enjoy life - whether that’s spending time with family, planning a holiday, or simply enjoying a quiet evening with a good book.

Feeling secure about your financial future doesn’t just help with the numbers; it positively impacts everything else. You feel more confident, focused, and ready to tackle whatever life throws your way.

01/04/2026

🐾 Happy National Pet Month! 🐾

At Cleeve Financial Planning, we’re a team of big-time animal lovers! 🐶🐱

We thought we'd share a few of them here to celebrate National Pet Month this April... we hope they bring a bit of joy to your day!

National Pet Month in the UK is an annual campaign that celebrates responsible pet ownership and the benefits pets bring to our lives.

Its aim is to:

🐾Promote responsible pet care
🐾Raise awareness of animal welfare
🐾Highlight the positive impact pets have on our wellbeing
🐾Encourage people to support charities and rehoming centres

It’s basically a feel-good month to appreciate our pets and remind people how to look after them properly.

31/03/2026

Wishing all our clients a very happy Easter 🐣

Our office will be closed over the Easter weekend from Friday 3rd April and will reopen on Tuesday 7th April. Have a great weekend everyone!

If you need to get in touch in the meantime, you can visit our new website and book an appointment:
www.cleevefinancialplanning.co.uk