Gardner Financial Management

03/09/2026

I have noticed a few fake accounts with I have reported please be diligent before following any pages

Call now to connect with business.

22/07/2026

If you've seen the headlines about the ISA changes coming in April 2027 — this is worth a read 👇

There's a lot of confusing information doing the rounds right now. So Lee the Pensions Guy has written a plain-English guide breaking down exactly what's changing, who it affects, and what — if anything — you need to do about it.

Here's the short version:

✅ The overall £20,000 ISA allowance isn't changing
✅ Under-65s will be limited to £12,000 a year in a Cash ISA from April 2027
✅ There's a new 22% charge on cash sitting idle inside a Stocks and Shares ISA — and it applies to all ages
✅ Transferring from a Stocks and Shares ISA into a Cash ISA will not be permitted for under-65s after April 2027

If you're not sure how any of this affects you — the full article is linked below. It covers everything in plain English with no jargon.

Gardner Financial Management – Financial Advisers in Solihull, offering Pension advice, Investment advice and Mortgage advice throughout Solihull and Warwickshire

24/06/2026

Enjoy your prom Jack x

24/06/2026

I had some very good feedback on this post - ensuring you have the right investment strategy is crucial

30/05/2026

Lovely afternoon in Birmingham celebrating Gracie’s up and coming birthday x

24/05/2026

So proud to sponsor this team.
An amazing group of players and managers.
Well done on reaching the Sunday Youth Cup Final today & wishing you all lots of luck.

14/05/2026

I sat with a client today who knew pensions were probably going to be caught by inheritance tax from 2027.

What he didn't know was exactly how it works.

And he had absolutely no idea about the second tax charge sitting underneath it.

From 6 April 2027, your unspent pension sits inside your estate for inheritance tax calculations.

40% tax on everything above your threshold. That's the headline most people are slightly aware of.

Here's what most people aren't aware of.

If you die after 75, your beneficiaries also pay income tax when they draw the inherited pension. At their marginal rate. On top of the inheritance tax the estate has already paid.

Same pot. Two taxes. In sequence.

I worked through the numbers with my client today.

In a worst case scenario — large estate, pension holder over 75, children who are higher rate taxpayers — HMRC takes 64 pence in every pound of the pension before the family sees it.

64% ............

I've written a full article explaining exactly how this works, with a clear worked example so you can see the maths for yourself.

Link in the comments.

If you have a pension, a property, and people you want to leave something to — please read it.

And if you're worried about your own position, speak to a regulated independent financial adviser. The planning window is open right now. Don't leave it until the rules change.

This post is for educational purposes only and does not constitute personal financial advice. Always seek regulated independent financial advice before making pension or estate planning decisions.

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Gardner Financial Management – Financial Advisers in Solihull, offering Pension advice, Investment advice and Mortgage advice throughout Solihull and Warwickshire

09/05/2026

Sir David Attenborough turns 100 this week 🎂

And it raises the question I ask in almost every retirement planning conversation I have.

What if you live that long?

Right now there are over 16,600 centenarians in the UK. That number has doubled in just 20 years.

👨🏼‍🦳Projections suggest it could reach nearly 150,000 by 2040.

And yet the most common thing I see in retirement planning isn’t people taking too much risk with their investments.
It’s people quietly assuming they won’t live that long.

Nobody says it out loud.

But it shapes everything.

🔸How much they’re saving.
🔸How long they think their money needs to last.
🔸How they plan to draw an income. # #

And if that assumption is wrong — and the data says it very well might be — that is an incredibly expensive mistake to make.

Running out of money at 80 or 85 doesn’t just affect your finances.

It removes your choices at exactly the point in life when you want them most.

A retirement that lasts 30, 35 or even 40 years needs a plan that is actually built for that.

Most people don’t have one.
So before you scroll.

❓Do you know what income your pension will actually produce?
Comment below — yes or no.

08/05/2026

Workplace pension or personal pension — do you actually know the difference?

🔺Workplace = you contribute, your employer contributes on top, government adds tax relief.

Three parties in every time you’re paid. Ask about salary sacrifice too — it can boost your pension even further.

🔺Personal = just you and the government. But you choose the provider, you pick the funds, and you get far more investment choice.

The catch with workplace pensions — most people were auto-enrolled into a default fund and never changed it.

That fund wasn’t built for you specifically.

Start with your workplace pension. Then build from there.

Follow for more pension clarity 👇🔔​​​​​​​​​​​​​​​​

07/05/2026