Masterplan Wealth

Masterplan Wealth Masterplan Wealth are a firm of independent advisors serving a wide variety of financial planning and wealth management needs. FCA No. 746267

Here to help you align your finances with your life. Authorised and regulated by the Financial Conduct Authority.

Your relationship with money is related to far more than how much cash you have. In fact, psychological influences could...
24/12/2025

Your relationship with money is related to far more than how much cash you have. In fact, psychological influences could be having more effect on your decisions and how you feel about wealth than you think.

Your relationship with money is related to far more than how much cash you have. In fact, psychological influences could be having more effect on your decisions and how you feel about wealth than you think. Find out how a financial plan could help improve how you think about money.

You can usually access defined contribution pensions from age 55. Read on to find out more about the three main options.
17/12/2025

You can usually access defined contribution pensions from age 55. Read on to find out more about the three main options.

More than half of pension holders don’t know how they can access their savings when they retire. Find out more about annuities, flexi-access drawdown, and withdrawing lump sums to understand which option could be right for you.

One of the retirement challenges many people face is how to handle wealth decumulation. During your working life, you’re...
10/12/2025

One of the retirement challenges many people face is how to handle wealth decumulation. During your working life, you’re typically working to increase your wealth, and this usually shifts as you enter retirement.

So, if you’re retired or are nearing the milestone, read on to find out more about decumulation dilemmas and how you might manage them.

Retirement is an exciting milestone but decumulation could present some challenges, such as changing your mindset and ensuring you don’t run out of money during your lifetime. Find out more about decumulation dilemmas and how a financial plan could help you manage them.

Older workers could find they’re more exposed to financial shocks because financial protection doesn’t meet their needs....
03/12/2025

Older workers could find they’re more exposed to financial shocks because financial protection doesn’t meet their needs. Read on to find out if a protection gap might affect you and how you could close it.

Older workers could find they’re more exposed to financial shocks because many financial protection providers have a maximum age. As more people work later in life with large financial commitments, some could face challenges if they’re unable to work due to an accident or illness.

What footballer Kevin Keegan tells us about retirement planning.
26/11/2025

What footballer Kevin Keegan tells us about retirement planning.

When footballer Kevin Keegan retired, he realised he’d lost his sense of purpose and returned to the UK as a football manager. Without thinking about how to replace what you lose when you step back from work, retirement may not be fulfilling. Find out what you can learn from Keegan and how to focu...

Read on to find out why more people are phasing into retirement and how you might do it.
19/11/2025

Read on to find out why more people are phasing into retirement and how you might do it.

Almost half of workers aged over 50 are already phasing into retirement or would like to do so in the future. Find out why a gradual approach to retirement could be attractive, along with some of the options that could allow you to do so.

As investments are typically tied to personal goals, these initial worries can spiral, allowing emotions to drive your d...
12/11/2025

As investments are typically tied to personal goals, these initial worries can spiral, allowing emotions to drive your decisions.

When markets experience volatility, even level-headed investors can let their emotions or other influences affect their decisions. Discover some of the ways financial bias might affect your decisions when the value of your portfolio rises or falls.

Working with your financial planner to create a cashflow model could help you turn anxiety into excitement.
05/11/2025

Working with your financial planner to create a cashflow model could help you turn anxiety into excitement.

Retiring should be a milestone you look forward to. Sadly, research shows UK adults associate spending their retirement savings with negative words, and it could mean they aren’t able to enjoy the next chapter of their life. A tailored cashflow model could turn anxiety into excitement.

Overpaying your mortgage to clear it sooner sounds like an excellent step to take if you’re in a position to do so. Howe...
29/10/2025

Overpaying your mortgage to clear it sooner sounds like an excellent step to take if you’re in a position to do so. However, it’s not always straightforward, and in some cases, other options may suit you better.

Read on to learn more about the pros and cons of overpaying your mortgage.

Overpaying your mortgage to become mortgage-free sooner sounds like an excellent step to take if you’re in a position to do so. However, it’s not always the right option. Find out more about the key pros and cons of overpaying your mortgage.

There are a series of straightforward measures you can make use of to reduce your IHT liability. One of these, which is ...
13/08/2025

There are a series of straightforward measures you can make use of to reduce your IHT liability. One of these, which is often overlooked, is known as “gifting from surplus income”.

Gifting from your surplus income is an often-overlooked estate planning option that could help reduce the amount of Inheritance Tax your family pays on your death.

If you’re approaching retirement, the next few years might seem especially uncertain, but you can take several proactive...
06/08/2025

If you’re approaching retirement, the next few years might seem especially uncertain, but you can take several proactive steps to recession-proof your plans. Continue reading to discover four ways of doing so.

Instead of worrying about economic slowdown, it may be worth taking steps to protect yourself. Read to discover four ways to recession-proof your retirement.

Achieving “financial freedom” is an aspiration many people have. Yet, it can mean different things to each person and is...
30/07/2025

Achieving “financial freedom” is an aspiration many people have. Yet, it can mean different things to each person and is influenced by other lifestyle goals, so defining how to measure it for you could help you turn it into a reality.

Many people want to achieve “financial freedom”, but it can mean different things to each person and is influenced by other lifestyle goals. So, defining what it means for you could help you create a tailored financial plan that turns it into a reality.

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