NOVA Wealth

Most people start their financial plan with investments. At NOVA Wealth, we start with purpose. Because before you can optimise to help achieve returns or minimise tax, you need to know what your money is really for.
Discover how NOVA Wealth helps clients build clarity and confidence around their financial future.
🔗Read more here: https://novawm.com/financial-hints-and-tips/the-real-value-of-financial-advice-what-makes-nova-different?utm_source=Organic&utm_medium=Facebook&utm_campaign=blog
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Markets move. Headlines shout. Your plan shouldn't.
We help our clients realise that successful investing isn’t about reacting. It’s about staying focused, disciplined, and aligned with a long-term strategy. Read our latest blog post to find out more:
https://novawm.com/financial-hints-and-tips/investing-is-long-term?utm_source=Organic&utm_medium=Facebook&utm_campaign=blog
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Money is the tool. Time is the goal.
What do you really want from your wealth?
Swipe to reframe the way you think about financial planning - and discover how to buy back your most precious asset: time.
Read more in our latest blog post here:
https://novawm.com/financial-hints-and-tips/why-wealth-planning-is-really-about-time-not-money?utm_source=Social&utm_medium=Facebook&utm_campaign=organic_content
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📈 Earning well but still feeling stuck?
You might be a HENRY: High Earner, Not Rich Yet.

Many professionals in their 30s and 40s earn six figures, but still feel financially exposed. Why? Because income without a plan doesn’t build wealth.

From lifestyle creep to inefficient taxes, it's easy to lose traction - even while appearing successful.

A clear financial strategy can help you:
- Maximise your income’s potential
- Gain control over spending and saving
- Build resilience for life’s uncertainties

You don’t need to earn more. You need to use what you earn more intentionally.

🔗 Discover what’s holding HENRYs back - and how to move forward with clarity and confidence: https://novawm.com/financial-hints-and-tips/are-you-a-henry?utm_source=Social&utm_medium=Facebook&utm_campaign=organic_content

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Once your finances reach a certain level, the real questions begin.
Not about the best ISA or beating inflation, but about whether your wealth is truly supporting the life you want to lead.

At Nova, these are the questions we hear most often—from clients navigating complexity and seeking clarity:
“What does this mean for me?”
“What’s the smartest way to pass wealth on?”
“Am I missing something?”
“How do I simplify all this?”
“Can you just show me the big picture?”

If you’ve asked yourself any of these, you’re not alone. Now is the time to bring them to the surface.

Read the full article here: https://novawm.com/financial-hints-and-tips/five-questions-every-financially-engaged-client-ends-up-asking
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💬 “People don’t want tips. They want clarity.”
In FTAdviser, our co-founder Joseph McLean shares why the FCA’s latest review is a bold step — but not the full answer.

Guidance helps. But most people still want real advice — someone to sort the details, simplify the decisions, and tell them what to do.
The long-term solution? A better blend of people + tech.

What is the Advice Guidance Boundary Review (AGBR)?
It’s the FCA’s plan to make it easier for firms to support people without crossing into formal advice.
The goal: help more people access financial support — especially those who wouldn’t typically get it.

A great move in the right direction. But as Joseph puts it, we’ll need more than guidance to truly close the gap.

Read the full article via FT Adviser: https://lnkd.in/eZRsHCkh

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Did you know you could boost your State Pension by thousands? But hurry — time’s running out! ⏳

If you're between 40 and 73 and have gaps in your National Insurance record, you’ve got until 5 April 2025 to fix these. After that, you might miss the chance to claim the full State Pension benefits.

In our latest blog, Simon Cahill breaks it all down:
✅ Who should take action
✅ How much it could add to your pension
✅ What your next steps should be

Check out the blog and book a call with Simon to help fill any gaps! https://novawm.com/financial-hints-and-tips/maximising-your-state-pension-before-the-april-2025-deadline

Capital at risk. Tax rates and reliefs depend on your personal circumstances and can change.

This almost didn’t happen…
Shanel, Naomi and Lucy are flourishing in their careers today, but without our apprenticeship program, we might have never met them.

🎓 They didn’t take the “traditional” path.
🚀 They chose hands-on experience over lectures.
🔥 They’re now shaping the future of NOVA Wealth.

Their stories prove one thing: talent is everywhere—opportunity isn’t.

Swipe through to see how apprenticeships unlock hidden potential. If you’re thinking about one? This might be the sign you’ve been waiting for.

📖 Find out more in our latest blog: https://novawm.com/financial-hints-and-tips/the-nova-apprenticeship-scheme-2025

⏳ A critical deadline for your retirement

On 5th April 2025, your chance to fill gaps in your National Insurance (NI) record could disappear.

Why it matters: If you don’t have 35 years of NI contributions, you may miss out on the full State Pension—potentially losing thousands over your retirement.

The key deadline: right now, you can buy back missing years as far as 2006. After April 2025, you’ll only be able to go back six years.

What to do:
✔ Check your NI record
✔ See if filling the gaps makes sense for you
✔ Act before it’s too late

📖 Our colleague Simon Cahill APFS, Chartered FCSI breaks it down in our latest article.

Capital at risk. Prevailing tax rates and reliefs are dependent on individual circumstances and subject to change.

Be aware of the Deadline: Maximizing Your State Pension Before the April 2025 Learn how the 5th April 2025 deadline impacts your State Pension. After this date, you can only backdate six years of NI contributions.

𝗕𝗶𝗴 𝗻𝗲𝘄𝘀: 𝗡𝗢𝗩𝗔 𝗪𝗲𝗮𝗹𝘁𝗵 𝗶𝘀 𝗻𝗼𝘄 𝗮 𝗕 𝗖𝗼𝗿𝗽!
Why it matters: Wealth management needs more diversity. NOVA Wealth is tackling this head-on—attracting underrepresented talent, making financial advice more accessible, and driving real change.

💬 "Diversity of thought and ideas breeds better innovation and culture. We recognise that talent comes from all backgrounds. It's not all about having gone to university or the ‘right school', some of the most determined, empathetic, and entrepreneurial people we have hired have come through non-traditional pathways." – Andrew McMillan, Co-founder & Co-CEO

🌱 What we’re doing:
- Building an apprenticeship scheme to recruit diverse talent
- Expanding financial advice beyond traditional circles
- Championing socio-economic mobility in finance

🌎 B Corp status isn’t just a badge—it’s a commitment. As Joseph McLean, Co-founder & Co-CEO, says: "Becoming a B Corp affirms our dedication to managing wealth sustainably while creating meaningful impact for our employees and the wider community."

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Wealth management firm Nova Wealth gains B Corp status Wealth manager Nova Wealth has become a B Corporation (B Corp) for its aim to attract talent to the wealth sector.

🚀 NOVA in The Telegraph! 🚀

“Cash ISAs soared in popularity when interest rates shot up, but enthusiasm for them is now waning. We now see more clients focused on trying to max out their pensions and stocks & shares ISAs. As interest rates taper, leaving money sitting in a low-yield cash ISA feels like a missed opportunity.” – Joseph McLean, Founding Partner at NOVA Wealth

We’re proud to have NOVA’s insights featured in The Telegraph, shedding light on how savers are shifting their strategies in today’s evolving financial landscape.

🔗 Read the full article: https://lnkd.in/gpQY2U-t

Capital at risk. Prevailing tax rates and reliefs are dependent on individual circumstances and subject to change.

📣 NOVA in the News 📣
"Your company will be contributing ’free’ money to your retirement pot (as long as you are saving a bit yourself too). Your employer’s contribution to your pension plus the fact you get tax relief on contributions usually more than doubles the money being put away compared to saving it elsewhere."

Andrew McMillan, founding partner at NOVA Wealth, was recently quoted in the Daily Express, discussing the benefits of workplace pensions.

💡 Wondering how to make the most of your pension contributions? Read the full article here: https://lnkd.in/eZTF9uSz

Written by Nicholas Dawson for the Daily Express

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