Financial Planning Solutions Ltd

With the summer months almost behind us, it can feel like we’re hurtling towards the end of 2026 already. If you set personal or financial goals for 2026, taking a look at your progress now could help you make the most of the remaining months.

This month, our articles include:

Why spotting a financial scam could be harder than you think
https://fpsifa.co.uk/why-spotting-a-financial-scam-could-be-harder-than-you-think

Why updating your cashflow model is essential for staying on track
https://fpsifa.co.uk/why-updating-your-cashflow-model-is-essential-for-staying-on-track

2 upcoming ISA changes you should be aware of
https://fpsifa.co.uk/2-upcoming-isa-changes-you-should-be-aware-of

And more…

If you’d like to talk about your financial plan, please get in touch.

A change in political leadership may create short-term uncertainty, which might feel unsettling when you’re reviewing your finances. However, the economy and markets have recovered from similar periods of uncertainty in the past. While it’s impossible to predict exactly what will happen, for many people, sticking to their long-term financial plan makes sense.

We hope you find this month’s articles interesting. They include

How to engage with your finances
https://fpsifa.co.uk/how-to-engage-with-your-finances

The psychology of fear in investing: Why mastering it could support long-term success
https://fpsifa.co.uk/the-psychology-of-fear-in-investing-why-mastering-it-could-support-long-term-success

What does a change in prime minister mean for your finances?
https://fpsifa.co.uk/what-does-a-change-in-prime-minister-mean-for-your-finances

And more…

If you have any questions about current events or factors outside of your control that might affect your long-term financial plan, please get in touch.

As we approach the midpoint of 2026, now is a great time to think about the goals you set for the year and beyond – are you on track, or could you benefit from making some adjustments in the second half of the year? A financial review could help you assess your current position in relation to your goals.

We hope you find this month’s articles useful. They include:

Balancing your goals: Why investing could be suitable for long-term goals
https://fpsifa.co.uk/balancing-your-goals-why-investing-could-be-suitable-for-long-term-goals

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax
https://fpsifa.co.uk/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax

4 ways you could choose to pass on assets to loved ones
https://fpsifa.co.uk/4-ways-you-could-choose-to-pass-on-assets-to-loved-ones

And more…

If you’d like to talk to us about your life goals and how your financial decisions might support them, please get in touch.

The Financial Planning Solutions team

Warmer, sunnier weather often boosts optimism, making the coming months a great time to think about what you want to achieve in the future. Whether you’re making plans to take the next step in your career, hope to expand your family, or are thinking about retirement, understanding how it fits into your financial plan could be beneficial.

We hope you find this month’s articles useful. They include:

Balancing your goals: How to manage your medium-term goals
https://fpsifa.co.uk/balancing-your-goals-how-to-manage-your-medium-term-goals

Powerful reasons to plan how to use your 2026/27 allowances and exemptions now
https://fpsifa.co.uk/powerful-reasons-to-plan-how-to-use-your-2026-27-allowances-and-exemptions-now

How the value of your estate affects a key Inheritance Tax allowance
https://fpsifa.co.uk/how-the-value-of-your-estate-affects-a-key-inheritance-tax-allowance

And more…

If you’d like to talk to us about your goals and how to make them part of your financial plan, please get in touch.

The Financial Planning Solutions team

Balancing your goals: How to manage your medium-term goals - Financial Planning Solutions It can be easy to overlook medium-term goals when reviewing long-term plans. Yet, they’re often important for your wellbeing. Find out how you might manage your medium-term goals.

Since the end of February, markets have been volatile due to conflict in the Middle East. The uncertainty might be a cause for concern, and you may also be unsure how it could affect your investments or other areas of your finances. Remember your financial plan factors in periods of volatility, and in many cases, staying calm and sticking to your long-term strategy makes sense. If you have any questions, please contact us.

This month, you can read our articles covering a range of topics, including:

What past market volatility has taught us about investor behaviour.
https://fpsifa.co.uk/what-past-market-volatility-has-taught-us-about-investor-behaviour

5 ways a cashflow model could support your estate plan.
https://fpsifa.co.uk/5-ways-a-cashflow-model-could-support-your-estate-plan

7 timeless financial planning lessons you can discover in classic Greek myths.
https://fpsifa.co.uk/7-timeless-financial-planning-lessons-you-can-discover-in-classic-greek-myths

And more… https://fpsifa.co.uk/news/

What past market volatility has taught us about investor behaviour - Financial Planning Solutions The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events may affect investor behaviour could be useful

On 6 April 2026, the new tax year will start. It may be worthwhile reviewing the tax allowances that might form part of your overall financial plan now, to allow you to make use of them throughout the year. If you have any questions or would like to arrange a review, we’re here to help.

We hope you find this month’s articles useful. They include:

How to be a successful investor: The importance of patience
https://fpsifa.co.uk/how-to-be-a-successful-investor-the-importance-of-patience

The positive psychology of clear financial goals
https://fpsifa.co.uk/the-positive-psychology-of-clear-financial-goals

How cashflow modelling can act as an early warning system for financial shocks
https://fpsifa.co.uk/how-cashflow-modelling-can-act-as-an-early-warning-system-for-financial-shocks

And more… https://fpsifa.co.uk/news/

If you’d like to talk to us about your financial plan, please get in touch.

How to be a successful investor: The importance of patience - Financial Planning Solutions Once you’ve set out your investment goal and strategy, what comes next? Often, it’s time to test an important investment skill – your patience. With investment strategies usually covering long time frames, composure is essential.

The 2025/26 tax year will end on 5 April 2026, and many allowances and exemptions will reset for the new tax year. If you have any questions about how you could make tax-efficient decisions before the deadline, we’re here to help.

This month, our blogs include:

5 ways to emotionally recover from past financial mistakes.
https://fpsifa.co.uk/5-ways-to-emotionally-recover-from-past-financial-mistakes

What you can learn from Michael Sheen about spending with purpose.
https://fpsifa.co.uk/what-you-can-learn-from-michael-sheen-about-spending-with-purpose

6 in 10 over-45s are underestimating the cost of care by thousands of pounds.
https://fpsifa.co.uk/6-in-10-over-45s-are-underestimating-the-cost-of-care-by-thousands-of-pounds

And more… https://fpsifa.co.uk/news

If you’d like to talk to us about your financial plan, please get in touch.

Please note: The Financial Conduct Authority does not regulate tax planning.
The Financial Planning Solutions team

5 ways to emotionally recover from past financial mistakes - Financial Planning Solutions While mistakes can be frustrating, moving past them is important. Holding on to financial mistakes could mean you lose confidence in your ability to make decisions, so read five ways to emotionally recover.

The start of a new year is a fantastic time to review your goals and set new ones that will help you live the lifestyle you want. A tailored financial plan can help you make decisions that are right for you, whether you plan to retire soon or want to see more of the world.

We hope you find our insights useful this month. Our articles include:

The importance of value and wellbeing when making financial decisions.
https://fpsifa.co.uk/the-importance-of-value-and-wellbeing-when-making-financial-decisions/


7 ways financial planning could help you set realistic goals.
https://fpsifa.co.uk/7-ways-financial-planning-could-help-you-set-realistic-goals/

How fiscal drag could harm your finances as the government extends tax freezes.
https://fpsifa.co.uk/how-fiscal-drag-could-harm-your-finances-as-the-government-extends-tax-freezes/

And more…https://fpsifa.co.uk/news/


Please get in touch if you’d like to talk to us about your finances in 2026 and beyond.

The Financial Planning Solutions team

The importance of value and wellbeing when making financial decisions - Financial Planning Solutions While assessing if you can afford an item is important, you could also benefit from considering the value it has to you. Discover how financial bias could skew your perception of value, and read some tips that could help you weigh up decisions with value in mind.

The Autumn Budget update, and what it means for you.

After months of speculation and rumour, chancellor Rachel Reeves has delivered the Autumn Budget for 2025. In this update, we’ll explain the key changes and what they mean for you.

Last year, in her maiden Budget, the chancellor sought to balance the public finances with tax rises to cover a reported £22 billion black hole.

This year, Reeves arguably faced an even more difficult landscape. In turn, she has announced an estimated £26 billion of tax rises by 2029/30.

The chancellor had to start her speech, however, by acknowledging the “deeply disappointing” and “serious error” of the Budget announcements being released early by the Office for Budget Responsibility (OBR).

It’s also notable how many predictions ultimately proved to be wide of the mark.

Now that we know exactly what’s included, it’s important to understand the changes and how they could affect you.

Please click on the link below to read more:

Your Autumn Budget update, and what it means for you - Financial Planning Solutions The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

Over the last few months, your investments may have experienced volatility due to global uncertainty. While it can be scary, it’s important to remember short-term market movements are part of investing and, for many investors, sticking to their long-term investment strategy makes financial sense.

If you have any questions about what the current circumstances mean for your long-term financial plan, we’re here to help.

This month’s articles include:

Does money make us happy?
https://fpsifa.co.uk/does-money-make-us-happy

Why investor fear and anxiety play a role in market volatility
https://fpsifa.co.uk/why-investor-fear-and-anxiety-play-a-role-in-market-volatility

4 useful insights from a decade of Pension Freedoms
https://fpsifa.co.uk/4-useful-insights-from-a-decade-of-pension-freedoms

And more…

Contact us if you want to talk about any of the topics covered in this update.

The Financial Planning Solutions team

Does money make us happy? - Financial Planning Solutions Research suggests money doesn’t necessarily make your happier. So, examining what brings you joy may be essential for building a financial plan that aligns with your wellbeing. Discover some key questions you might want to consider.