Jordan Mushet - Financial Adviser

𝐄𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐰𝐞𝐞𝐤 𝐨𝐧 𝐚 𝐡𝐢𝐠𝐡! 🙌

30 reviews.
30 five-star ratings.
And a whole lot of happy clients.

We’re incredibly proud to see Jordan reach 𝟑𝟎 𝐚𝐥𝐥-𝐭𝐢𝐦𝐞 𝐕𝐨𝐮𝐜𝐡𝐞𝐝𝐅𝐨𝐫 𝐫𝐞𝐯𝐢𝐞𝐰𝐬 — 𝐞𝐯𝐞𝐫𝐲 𝐬𝐢𝐧𝐠𝐥𝐞 𝐨𝐧𝐞 𝐫𝐚𝐭𝐞𝐝 𝟓 𝐬𝐭𝐚𝐫𝐬. ⭐⭐⭐⭐⭐

A huge thank you to everyone who has taken the time to share their experience. It genuinely means a lot.

30 down… now for the next 30 Jordan Mushet - Financial Adviser?

𝐇𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫? 𝐘𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐥𝐨𝐬𝐢𝐧𝐠 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝𝐬 𝐢𝐧 𝐮𝐧𝐜𝐥𝐚𝐢𝐦𝐞𝐝 𝐭𝐚𝐱 𝐫𝐞𝐥𝐢𝐞𝐟

During a recent client meeting, we discovered that the client had been a 𝐡𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫 𝐟𝐨𝐫 𝐟𝐢𝐯𝐞 𝐲𝐞𝐚𝐫𝐬, paying into a pension throughout that time — but had never completed a Self Assessment.

They were receiving the standard 𝟐𝟎% 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐚𝐱 𝐫𝐞𝐥𝐢𝐞𝐟, but were entitled to more (𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝟐𝟎%)!

Five years of missed additional relief is a significant amount of money.

And this is the bit that worries us: 𝐡𝐨𝐰 𝐦𝐚𝐧𝐲 𝐨𝐭𝐡𝐞𝐫 𝐡𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫𝐬 𝐚𝐫𝐞 𝐝𝐨𝐢𝐧𝐠 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐭𝐡𝐞 𝐬𝐚𝐦𝐞 𝐭𝐡𝐢𝐧𝐠 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐫𝐞𝐚𝐥𝐢𝐬𝐢𝐧𝐠 𝐢𝐭?

If you’re a higher-rate taxpayer and you've never checked how much tax relief you’re actually receiving, 𝐧𝐨𝐰 𝐢𝐬 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐜𝐡𝐞𝐜𝐤.

We can review your pension, identify whether additional relief may be available and help you understand what you could potentially reclaim. The tax man could owe you 𝐮𝐩 𝐭𝐨 £𝟏𝟐,𝟎𝟎𝟎 𝐟𝐨𝐫 𝐞𝐯𝐞𝐫𝐲 𝐲𝐞𝐚𝐫 you have not claimed the tax relief.

𝐃𝐨𝐧’𝐭 𝐚𝐬𝐬𝐮𝐦𝐞 𝐲𝐨𝐮’𝐫𝐞 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮'𝐫𝐞 𝐞𝐧𝐭𝐢𝐭𝐥𝐞𝐝 𝐭𝐨.
𝐅𝐢𝐧𝐝 𝐨𝐮𝐭 𝐛𝐲 𝐦𝐞𝐬𝐬𝐚𝐠𝐢𝐧𝐠 𝐦𝐞 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞 𝐭𝐡𝐢𝐬 𝐦𝐞𝐬𝐬𝐚𝐠𝐞 𝐰𝐢𝐭𝐡 𝐟𝐫𝐢𝐞𝐧𝐝𝐬.

Tax treatment depends on individual circumstances and may change. This post is for general information only and does not constitute financial advice.



Approver Quilter Financial Services Limited August 2026

There's nothing more rewarding than helping clients feel confident about their financial future.

Our highly-rated adviser, Jordan Mushet, recently helped clients take their first steps into investing after years of simply saving. By taking the time to understand their goals and explain their options clearly, Jordan helped them make a decision that was right for them.

"𝐖𝐞 𝐰𝐚𝐧𝐭𝐞𝐝 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬. 𝐉𝐨𝐫𝐝𝐚𝐧 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐯𝐞𝐧𝐭𝐮𝐫𝐞 𝐢𝐧𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐚𝐟𝐭𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐡𝐚𝐯𝐢𝐧𝐠 𝐝𝐨𝐧𝐞 𝐭𝐡𝐢𝐬 𝐛𝐞𝐟𝐨𝐫𝐞. 𝐓𝐡𝐞 𝐚𝐝𝐯𝐢𝐜𝐞 𝐉𝐨𝐫𝐝𝐚𝐧 𝐬𝐮𝐩𝐩𝐥𝐢𝐞𝐝 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐜𝐨𝐫𝐫𝐞𝐜𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐟𝐨𝐫 𝐮𝐬."

At Pivotal Financial Planning, we're passionate about helping clients make informed financial decisions with confidence.

Thank you to for the invitation to their health and wellbeing seminar.

It was genuinely refreshing to have so many honest conversations about money, the future and the things that people don’t always think about when it comes to their finances.

Financial planning isn’t just about pensions. It’s about looking at the whole picture.

💷 Are your savings working as hard as they could be?
🏡 What happens to your home if you pass away without a Will?
👨‍👩‍👧‍👦 If you inherit money from a family member, what does that mean for you — and could there be tax implications?
🌅 Will your pensions provide the retirement you’re hoping for?
🛡️ And are you and your family financially protected if life doesn’t go to plan?

These are the conversations we love having at Pivotal Financial Planning. Sometimes, a simple conversation can highlight things you hadn’t considered and help you feel more confident about the future.

If your company is planning a health, wellbeing or financial advice day, we’d love to be involved. Get in touch — we’d be delighted to have a chat and see how we can support your team.

A huge thank you to everyone who stopped to chat with Jordan Mushet - Financial Adviser today; we look forward to following up with you so you can feel retirement ready!

Until next time!

𝐇𝐞𝐚𝐥𝐭𝐡 & 𝐖𝐞𝐥𝐥𝐛𝐞𝐢𝐧𝐠 𝐒𝐞𝐦𝐢𝐧𝐚𝐫 – 𝐒𝐨𝐮𝐭𝐡 𝐋𝐚𝐧𝐚𝐫𝐤𝐬𝐡𝐢𝐫𝐞 𝐂𝐨𝐮𝐧𝐜𝐢𝐥

We’re spending the day at the Health & Wellbeing Seminar with South Lanarkshire Council today.

We're excited to meet and talk about the importance of planning for the future — not just financially, but making sure you’re in the best possible position to enjoy the next stage of life.

At Pivotal Financial Planning, we help people with everything from pensions and investments to savings, wealth management, later-life planning, inheritance advice and protection.

It’s never too early to start thinking about what your future looks like.

Great to be here today! if you're here too, stop by and say hello 👋 Jordan Mushet DipPFS Cert CII (MP)

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐫𝐞𝐚𝐭𝐞 𝐚𝐧 𝐢𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐭𝐚𝐱 𝐛𝐢𝐥𝐥 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

For many years, pensions have been one of the most tax-efficient assets to pass on. However, from 6 April 2027, most unused pension funds and pension death benefits will form part of your estate for inheritance tax calculations. As a result, thousands more families could face an inheritance tax liability for the first time.

Inheritance tax is generally due by the end of the sixth month following death, yet administering an estate can often take significantly longer. For families with substantial pension wealth, these changes could create both a larger tax liability and additional pressure to access funds quickly.

✅ Current IHT Allowances Remain:

• Nil Rate Band: £325,000
• Residence Nil Rate Band: up to £175,000 per person (where applicable)
• Married couples and civil partners may still be able to pass on up to £1 million tax-efficiently through transferable allowances.

Consider this:

𝐃𝐨 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐬𝐢𝐳𝐞𝐚𝐛𝐥𝐞 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐰𝐞𝐫𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐨 𝐥𝐞𝐚𝐯𝐞 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞, 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬, 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐨𝐦𝐛𝐢𝐧𝐞𝐝 𝐞𝐱𝐜𝐞𝐞𝐝 𝐲𝐨𝐮𝐫 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐚𝐥𝐥𝐨𝐰𝐚𝐧𝐜𝐞𝐬?

𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐫𝐞𝐯𝐢𝐞𝐰𝐞𝐝 𝐲𝐨𝐮𝐫 𝐞𝐬𝐭𝐚𝐭𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐬𝐢𝐧𝐜𝐞 𝐭𝐡𝐞 𝐆𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐚𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐝 𝐭𝐡𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐬?

Planning ahead gives you more options and greater flexibility.

If your house, pensions, investments and savings total exceed £500,000, it’s worth exploring your options with a free initial consultation.

If you'd like to understand how the 2027 changes could affect your family, I’m here to help.

Approver Quilter Financial Services Ltd August 2026

Could your savings be creating an unexpected tax bill? 💷

With savings rates much higher than they were a few years ago, more people are finding that the interest they earn is taking them over their Personal Savings Allowance.

Many people don't realise that savings held in fixed-rate accounts, bonds or other savings products can create a tax liability once certain thresholds are exceeded.

For example:
🔹 Basic rate taxpayers can earn £1,000 of savings interest tax-free
🔹 Higher rate taxpayers can earn £500
🔹 Additional rate taxpayers have no Personal Savings Allowance

Beyond these limits, you may need to pay tax on your savings interest and could need to report this to HMRC through Self Assessment.

There are also planned changes to Cash ISAs from 2027, making it more important than ever to understand where your money is held and whether it's working efficiently.

Do you have friends, family or colleagues with savings sitting in the bank?

Share this post with them or ask them to get in touch. I'll happily explain what the changes mean and whether they need to consider anything.

💷 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐈𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐓𝐚𝐱 𝐂𝐡𝐚𝐧𝐠𝐞𝐬 – 𝐖𝐡𝐚𝐭 𝐎𝐩𝐭𝐢𝐨𝐧𝐬 𝐀𝐫𝐞 𝐏𝐞𝐨𝐩𝐥𝐞 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠?

With pension funds expected to become subject to inheritance tax from April 2027, many retirees are reviewing how they plan to pass wealth on to their loved ones.
There isn't a one-size-fits-all solution, but some of the options people are exploring include:

🏖️ Enjoying more of their pension during retirement
After years of saving, some people are choosing to spend more on themselves, family experiences, travel and helping loved ones while they're still here to see the benefit.

🎁 Gifting money to family
This can be an effective estate planning strategy, but it's important to remember that money usually has to be withdrawn from the pension first. Depending on your circumstances, income tax may be payable on the withdrawal before any gift is made.

🛡️ Using life insurance to help cover a future tax bill
Some individuals are considering whole of life insurance policies written in trust, which can provide funds to beneficiaries to help meet an inheritance tax liability when the time comes.

📋 Reviewing wider estate planning arrangements
Pensions are just one part of the picture. Wills, trusts, gifting strategies and protection planning can all play an important role.

The proposed 2027 changes are prompting many people to ask a simple question:

"Am I still holding my wealth in the most tax-efficient way?"

If you've built up a substantial pension fund, now could be a good time to review your options and understand how the changes may affect your family. If you would like a free initial consultation to explore your financial planning needs, please message me.