Niall Bentley - Financial Planner at LH Financial Planning

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Niall Bentley - Financial Planner at LH Financial Planning

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26/06/2025

Do you panic or shy away at the thought of your financial health?

Sometimes it can be more than just knowing you’ve got savings….

It could be an extra pair of eyes to tell you that it’s possible to be mortgage free earlier….

Realising that there are ways to protect your financial future should the worst happen…

Unfortunately I’ve not got a picture of me with my head in the sand but I do have one from the last time I panicked.

Why not sit down today for a free consultation and gain clarity?

After all it’s not quite as scary as you might think.

21/06/2025

I’ve recently returned from what some describe as the happiest place on earth.

I must agree it is.

The planning of the last 18 months, researching how to do things all fell into place perfectly. Most of all I even got to meet my childhood hero.

It got me thinking.

Planning ahead allows the dreams of tomorrow to become a reality.

Sometimes it takes sacrifices at an early stage, other times it requires an understanding of what is required and revisiting the plan to make sure you make adjustments to stay on track.

The best part is being able to reflect back and be thankful for a younger version of you making those decisions which have potentially led to your family being safeguarded financially or allowing you to reduce your hours and be in control of your retirement rather than waiting for the state pension.

After all why we can’t predict tomorrow, we can influence tomorrow.

Why not sit down and have a discussion today, I can’t promise you’ll look as happy as me but I can try!

08/05/2025

Defining your goals before bringing in help is key.

It makes everything easier.

Here’s why:

When you know what you need, you can communicate better.

You don’t want to waste time or money, right?

Let’s break it down:

1. Start with what you want.
↳ Think about your end goal.

2. Be specific about the skills you need.
↳ Identify the expertise that will get you there.

3. Set a timeline for your goals.
↳ This keeps you focused and accountable.

In my work as a Financial Planning Consultant, I’ve seen how clarity leads to success.

Just the other week, I helped a client who was lost in a sea of options.

They had a vision but struggled to articulate it.

After some questions and simple tools, we defined what they truly needed.

Suddenly, hiring the right people became straightforward.

So often, we let uncertainty cloud our decisions.

Taking the time to define your goals:
↳ Saves you headaches down the line.

This simple process can really set you up for success.

It helps you feel confident when you finally find the right fit to help you get where you want to be.

No more guesswork.

Just clear, actionable insights.

Remember, bringing someone on board is a partnership.
↳ You need to know your direction before you can steer the ship together.

In the end, it's all about clarity.

When you’re clear on your vision, everything else falls into place.

It’s not just about hiring help - it’s about creating the future you envision.

06/05/2025

A solid business plan is crucial for guiding decisions attracting investors, and establishing a clear vision for success.

Understanding your target market and managing finances wisely are elements that can help identify opportunities and ensure long-term sustainability.

Building a strong online presence and maintaining flexibility in your approach are essential for navigating challenges and seizing market trends.

Richard Murray, Chief Commercial Officer with Elephants Child regularly meets businesses of all shapes, sizes and at various stages of their journey, helping them to grow and develop. He also works closely with business owners on their exit plans.

Read more: https://lhfp.co.uk/article/detail/sjpp/top-five-tips-for-starting-a-successful-business

05/05/2025

Is your understanding of financial challenges really accurate?

So many of us jump to conclusions about our financial struggles. We think we know the root cause: lack of savings, poor budgeting, or maybe even a lack of income.

But what if these aren’t the real issues at all?

When I work with clients, I often hear misconceptions about what’s holding them back. They believe budgeting is their problem, but in reality, it’s often mindset.

It's the belief that they aren't worthy of financial success or that they don't have the skills to manage their finances. This mindset can be a huge barrier, way more than the numbers on a spreadsheet.

The truth is:
- Many people don't have a plan for their goals.
- Others struggle with tracking their daily spending.
- Some might even avoid seeking help altogether due to embarrassment.

These deeper issues can have a more significant impact on financial health than just numbers alone.

So, how do we approach this differently?

Start by questioning your assumptions. Try to look beneath the surface of your financial challenges. Ask yourself: What might I be missing here?

It might surprise you to discover insights that can change your entire approach to finances. Just expanding your view can lead to breakthrough moments.

Remember, financial freedom isn’t just about understanding the immediate challenges; it's about identifying and addressing the core beliefs and habits that keep us stuck.

Take a moment to reflect: What are your genuine financial beliefs? In understanding this, you’ll often find the way forward clearer than ever.

02/05/2025

Some experiences go beyond what we expect.

Recently, a client shared a powerful sentiment about our collaboration. He called it transformative.

It got me thinking: What does transformative really mean in the context of financial planning?

To me, it’s not just about numbers. It’s about mindsets, fears, aspirations, and ultimately, real change.

During our time together, we tackled:
- Financial fears that kept him up at night.
- Long-term goals that felt distant and unreachable.
- Strategies to build true financial security.

Through honest conversations and tailored strategies, we shifted his perspective on money.

We also mapped out clear steps towards his goals. This wasn’t just another financial plan; it was a partnership built on trust and understanding.

He discovered that financial freedom means more than just wealth.

It’s about peace of mind and clarity in an often-chaotic world.

What I found truly fulfilling was seeing his transformation.

His confidence grew as he took control of his finances.

He’s now on a path where decisions are made with intention rather than fear. That’s huge!

In the end, it’s more than just financial advice. It’s about making a difference in someone’s life.

We all want to feel secure and empowered in our financial decisions.

So, here’s to those transformative moments. They don’t just change numbers; they change lives.

If this resonated with you, just know you’re not alone on this journey.

Learning and growing is what it’s all about!

25/03/2025

𝑳𝒆𝒂𝒗𝒆 𝒚𝒐𝒖𝒓 𝒍𝒐𝒗𝒆𝒅 𝒐𝒏𝒆𝒔 𝒂𝒏 𝒂𝒖𝒕𝒐𝒃𝒊𝒐𝒈𝒓𝒂𝒑𝒉𝒚…

Well, not quite…

But picture this: you’ve left your loved ones behind.

They’re in pain, and the last thing you’d want is for them to spend hours trying to figure out where this account is, or what that policy covers.

Thankfully, you spent a bit of time popping all those handy details into a safe place.

Now they’ve got everything they need—all in one spot.

No worrying about which bank your savings account was with.

No panic when they realise you’d already taken out a funeral plan, saving them the cost.

Maybe you’ve even included a few special notes for those closest to your heart?

After all, it doesn’t take a superhero to help when you’re no longer around.

*Inserts picture with two great hero’s of my childhood*

Just to clear any rumours, I obeyed the sign and didn’t climb on them 😂

06/03/2025

Surely, you can’t be serious about missing the state pension top-up deadline?

I am serious. And don’t call me Shirley.

If you’re between 40 and state pension age, you might have gaps in your National Insurance record that could mean a lower state pension. The good news? You can still fill those gaps—but the deadline to backdate contributions all the way to 2006 is fast approaching.

After 5 April 2025, you’ll only be able to go back six years, meaning you could miss out on a valuable boost to your future retirement income.

It’s worth checking your record to see if you can top up—because when it comes to retirement, you want to be serious.

Need help figuring it out? Let’s chat.

Link to Gov.uk -> https://www.gov.uk/check-state-pension

03/03/2025

⏳ Time is Running Out to Boost Your State Pension! ⏳

Did you know you might be able to increase your State Pension by filling gaps in your National Insurance (NI) record? Right now, you can backdate contributions all the way to 2006—but after 5 April 2024, you’ll only be able to go back six years!

✅ If you’ve had career breaks, time abroad, or periods of low earnings, you could have gaps in your NI record.
💰 Topping up a missing year (costing around £800-£900) could add up to £275 per year to your pension—that’s over £5,500 extra over 20 years!

It’s easy to check:
👉 Check your NI record here: gov.uk/check-national-insurance-record
👉 Make voluntary contributions here: gov.uk/pay-voluntary-class-3-national-insurance
📞 Prefer to call? HMRC’s helpline is 0300 200 3500

This could make a huge difference to your retirement! If this doesn’t apply to you, please share this with friends or family—it could help them secure a better future.

If you need any help, just drop me a message—I’m happy to chat!

21/02/2025

💰 Are You Missing Out On Extra Pension Tax Relief? 💰

If you’re a higher-rate (40%) or additional-rate (45%) taxpayer, you could be entitled to an extra 20% or 25% in tax relief on your pension contributions!

Here’s how it works:
• Basic-rate relief (20%) is usually automatically claimed when you contribute.
• If you’re a higher-rate taxpayer (40%), you can claim an extra 20% via self-assessment or by writing to HMRC.
• If you’re an additional-rate taxpayer (45%), you could get an extra 25% back!

That means:
• A £10,000 pension contribution only costs £6,000 (higher rate) or £5,500 (additional rate) after tax relief!

Shockingly, around £1.3 billion in pension tax relief went unclaimed between 2016 and 2021.

Don’t leave money on the table—make sure you’re claiming everything you’re entitled to. Get in touch to find out more!

20/02/2025

Dreamers vs. Realists

Everyone has a dream, and the beauty of dreams is that they’re always unique.

Some might seem small or unambitious to others, while some might appear wildly unrealistic. Is my dream of buying a villa in Cyprus unrealistic? Or is it just ambitious?

It’s the classic battle of ”Dreamers vs. Realists”.

One of the best parts of being a financial planner is helping people bridge the gap between the two. Whether it’s:
✅… Supporting your child through university
✅… Helping them with a house deposit
✅… Taking that once-in-a-lifetime family trip
✅… Retiring Early
✅… Moving abroad for a new adventure

No matter what your dream is, the key is taking the right steps to make it happen. You might be surprised at how much a decision today can impact your future.

So why not set yourself up for success? Sit down, talk, and let’s figure out what your goal is, and how to get you there.

Also, this scene from Modern Family always comes to mind!

14/02/2025

Lately, I’ve been having the same conversation with clients and friends about finding balance—whether in your younger years or later in retirement. It’s a constant trade-off: living for today vs. planning for tomorrow.

There’s a quote I often reflect on when this topic comes up:

“You can either enjoy your 20s and become an under-skilled 30-year-old, or work hard in your 20s and become an under-lived 30-year-old. The key is to choose, accept the trade-offs, and remember—there are no do-overs.”

It’s a great metaphor for life. We’re always navigating that fine line between preparing for the future and making the most of today. Saving for a rainy day is important, but as my late father used to say, “What if the rainy day never comes?”

Ultimately, there’s no ‘perfect’ way to live—just trade-offs that shape your future:
• Do you spend on travel and experiences now, creating lifelong memories, or save more to secure your financial future?
• Do you push for career success, working long hours to get ahead, or take more time to enjoy life with family and friends?
• Do I buy that hat for a laugh or save my money for something else?

There’s no right or wrong answer—just the choice that aligns with what truly matters to you.

The key is to plan—to weigh up the pros and cons and build a foundation today that supports your future self. You can’t control everything in life, but having a financial plan—a life plan—keeps you moving forward through the good and the bad.

So start with what truly matters to you. What experiences will you look back on with a smile? What decisions will your future self thank you for? And if you’re not sure how to get there, why not have someone run that marathon with you?

P.s - I didn’t get the hat but I’d never pass on a photo opportunity…

Address

Sedbergh Close
Bingham
NG138ZG

Telephone

+447423217536

Website

http://lhfp.co.uk/

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