Sawbridge Financial Planning

Sawbridge Financial Planning đŸ’« Jargon-free financial advice.

đŸ’· Pensions, Investments and Protection.

📚 17 years of Financial Services experience.

28/08/2026

Things to keep an eye on.

Changes are coming.

Pensions, savings, ISAs. Six months until big changes come.

More videos coming soon explaining those changes
 amongst other things.

It’s been a busy summer 😅 I hope you’ve all had a good one.

Oh, and if you’re new here and having your money explained simply in a Black Country accent sounds like your cuppa tea, giz a follow đŸ«Ą

25/08/2026

The ISA allowance isn’t disappearing, but the rules are changing.

From April 2027, under-65s will be limited to ÂŁ12,000 per year into Cash ISAs, while the overall ISA allowance remains ÂŁ20,000.

But here’s the bigger point


Cash and investments do different jobs.

Money you might need soon generally shouldn’t be exposed to unnecessary investment risk.

Money you’re unlikely to need for many years may face a different risk: inflation slowly reducing what it can buy.

Good financial planning is about putting the right money in the right place for the right timeframe.

Like useful money tips and updates? Follow me đŸ«Ą

13/08/2026

Does this sound like you? đŸ‘‡đŸ»

Self-employed. Freedom from answering to a boss. Freedom to take an hour out of your day when you want to, to do things that you want to do.

All sounds lush. If you’re self-employed though, you’ll know that it’s not all sunshine and rainbows.

Sometimes you’ll work more hours than employed people.

Sometimes you won’t know what your income will be month to month.

And sometimes, when you’re ill, you won’t get paid.

Doesn’t have to be like that, though.

Income protection:

- will provide an income if you’re out work through illness or injury

- is an allowable business expense when paid from a limited company

- is a layer of peace of mind

- protects your hard earned savings from being quickly dwindled if your income stops for a period of time through being off sick

I think it’s the number one consideration for self-employed people and business owners. It can make sure that all of your other plans never run off track.

And
 it’s probably far more affordable than you think it is.

Don’t leave yourself vulnerable. Get one of your most valuable assets, your income, covered.

Like useful money content from a qualified Financial Adviser who makes your money easy to understand? Drop a follow đŸ«Ą

11/08/2026

Comparison is the killer of joy đŸ‘‡đŸ»

When it comes to your money, and how much you earn and how much you invest
 what other people are doing is irrelevant.

People *always* ask me “how much do other people do?” when we talk about the amount they’d like to invest.

That’s irrelevant. Truly.

Your plan should be based on the life you’d like to create, the retirement you’d like to lead
 or the personal goal you might be trying to achieve.

Not what other people do.

If you are happy with what you have and what you’re building, comparing it to others will kill a bit of that happiness, so why bother?

I help people to build a plan that means they can create the life that they’d like. If that means they’re never a millionaire, who cares?

That being said, having a reel go mildly viral was pretty cool, so you know, if you wanna share this and like it and all of that good stuff
 I’m not gonna stop ya.

I also share regular money content, so, if that sounds like your cup of tea, drop me a follow đŸ«Ą

10/08/2026

Do we NEED to be formal all the time? đŸ‘‡đŸ»

If you’ve ever seen any of my videos, you’ll know I don’t wear a suit, I sometimes put out content that isn’t just me sat here talking about finance in a really formal way and I always just, well, act and dress “normally”.

Do I take getting people’s financial plans right seriously though? Absolutely. Every time.

If Andy Burnham does a good job (this isn’t me suggesting he is btw, time will tell)
 should he not be allowed to just appear normal in the public eye, rather than him only appearing in suits and talking formally at every single public engagement, including what goes out on social media?

I don’t mind him mentioning the pub, or football, or not dressing and acting formally all the time. I think it’s quite refreshing.

Maybe I’ve got it wrong.

Maybe he should.

Maybe I would have gained far more new clients or followers if I only dressed and spoke formally all of the time.

I dunno. What do you think?

Either way, if you like watching useful content about your money from a qualified Financial Adviser who just explains things for normal people, whilst acting normally, drop me a follow đŸ«Ą

Back to talking money rather than random ramblings next time, promise. Ha!

04/08/2026

Good or not? (read more) đŸ‘‡đŸ»

Savings rates being higher is definitely better. No denying that.

But when you’re building wealth, investing can still provide the possibility of much higher returns over the long term.

Important to mention that investment returns aren’t guaranteed, that there is risk involved and that you should take care to invest at the right level of risk, in the right wrapper and over the right time horizon.

If you’re unsure on how to do that, seek advice to get it right.

Will be interesting to see what happens with rates over time (there’ll be plenty of people with mortgages hoping that they don’t continue to rise, that’s for sure! 😅)

Like useful money content from a qualified Financial Adviser? Drop a follow đŸ«Ą

22/07/2026

That was short lived đŸ€Ł

The personal tax allowance is way too small, has been frozen for years and the plan is to keep it frozen.

In case you’re wondering what that is, it’s the allowance everyone has before they start paying tax on their income (currently £12,750 per year).

There was lots of talk of our new Prime Minister looking at changing that. Well yesterday there was anyway.

It’s now been put on the back burner.

Ah well, there are still ways to reduce your personal tax that you can use (see yesterday’s video).

Everything that reduces our tax is labelled as “too expensive” by the government
 so we’ve got to ensure we take action ourselves.

Not sure how to do that? Seek advice 🙌

Like useful money content? Drop a follow! đŸ«Ą

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Wednesday 9am - 8pm
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