Future Planning

Future Planning We are 5* rated IFAs & specialise in pensions, mortgages, investments, and business and tax planning

With over 50 years' combined experience, we are proud to be independent financial advisers and money experts in helping people make the correct decisions, the first time. Whether you are employed, self-employed or a company director we can help you to become financially independent and then maintain this, together with tax planning and investment options. We also have qualified independent mortgag

e advisers to assist with all needs including residential and commercial lending, buy-to-lets and adverse credit. We offer a wide range of services and being independent means we have no ties to providers, allowing us to focus on only doing the best for our clients, as we are passionate about making people better off by adding value.

The pension and Inheritance Tax rules are changing, and your estate plan may need to change with them. 💰From 6 April 202...
31/08/2026

The pension and Inheritance Tax rules are changing, and your estate plan may need to change with them. 💰

From 6 April 2027, most pensions are expected to be included in your estate when calculating Inheritance Tax.

Our new guide explains:

🔹 What is changing from 6 April 2027
🔹 Which pensions may be affected
🔹 How the reforms could alter your retirement plan
🔹 Ways you might reduce a potential Inheritance Tax bill

Download your copy, linked below, to find out more. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf

Buy-to-let property may seem like an attractive asset to invest in.However, there are a lot of important areas to consid...
28/08/2026

Buy-to-let property may seem like an attractive asset to invest in.

However, there are a lot of important areas to consider, from how it could affect your tax liability to your responsibility as a landlord.

Read our latest guide, linked below, to discover the important questions you need to answer before you purchase a buy-to-let property.

https://futureplanningwm.co.uk/resources/guides/

5 tips that could help you sell your home:1. Price your home realistically2. Use your online listing to create a great f...
25/08/2026

5 tips that could help you sell your home:

1. Price your home realistically
2. Use your online listing to create a great first impression
3. Present your home at its best
4. Prepare your paperwork early
5. Choose the right professionals to work with

Read our blog, linked below, to find out more.

https://futureplanningwm.co.uk/5-tips-that-could-help-you-sell-your-home/

Could the new pension rules affect what you leave behind for your loved ones? 🤔From April 2027, most defined contributio...
24/08/2026

Could the new pension rules affect what you leave behind for your loved ones? 🤔

From April 2027, most defined contribution pensions and some pension death benefits are expected to form part of your estate for Inheritance Tax purposes.

This could push your estate closer to the Inheritance Tax thresholds, or above them altogether.

Download our guide, linked below, to understand how the new rules could affect you and your loved ones. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf

Are you thinking about investing in a buy-to-let property?Statistics published by the government confirm that there were...
18/08/2026

Are you thinking about investing in a buy-to-let property?

Statistics published by the government confirm that there were around 2.86 million private landlords in the UK in 2023/24.

If you're thinking about joining them, it's first important to weigh up the pros and cons to decide whether it would be the right option for you. Click the link below to read our latest guide.

https://futureplanningwm.co.uk/resources/guides/

Your pension may soon count towards your Inheritance Tax bill. 🪙From 6 April 2027, most pensions will be included in you...
17/08/2026

Your pension may soon count towards your Inheritance Tax bill. 🪙

From 6 April 2027, most pensions will be included in your estate when calculating Inheritance Tax.

For some families, this could mean a larger tax bill than expected, especially where pensions have been used as a tax-efficient way to pass on wealth.

Download our guide, linked below, to learn what's changing and what you may need to consider. 👇

https://futureplanningwm.co.uk/wp-content/uploads/2026/07/future-planning-iht-and-pensions-ezine-vis1-1.pdf

How will you spend your time once you retire?A fulfilling retirement isn't just about financial security; it's about the...
14/08/2026

How will you spend your time once you retire?

A fulfilling retirement isn't just about financial security; it's about the experiences you have, the people you meet, and continued personal growth.

Giving some of your time to a cause that matters to you could be an important part of this.

Read our blog, linked below, to discover 5 compelling reasons to make volunteering part of your retirement plan.

https://futureplanningwm.co.uk/5-fantastic-reasons-to-make-volunteering-part-of-your-retirement-plan/

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89 Commercial Road
Swindon
WILTSHIRESN15PD

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Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5pm
Saturday 9am - 3:30pm

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