Ginkgo Financial

Are you planning to retire in the next 10 years? Check if your pension is being 'lifestyled' https://www.thisismoney.co.uk/money/pensions/article-16046547/Rretire-10-years-check-pension-lifestyled.html

Warning to check if YOUR pension is being 'lifestyled' Lifestyling is the little-understood strategy of derisking pensions that many people with invested pots will be defaulted into in the decade before retirement age.

If a fixed rate ends in your household in the next year - yours, or a son's or daughter's - the worst plan is waiting for the letter from the lender.

Angela's first blog for Ginkgo explains why the sensible starting point is six months out, what the two routes out of a fix actually involve, and the questions parents ask when they're helping with a deposit.

Coming off a fixed rate? Start six months before you think you need to Around a million UK households come off a fixed rate during 2026. Ginkgo's mortgage adviser on why the work starts six months early, and what to weigh up.

Seven years of Rachael Childs. 🎉

Rachael joined Ginkgo on the processing team. Today she's a qualified financial adviser leading our probate support service.

Whether you're putting financial plans in place for the first time or managing a loved one's estate, Rachael has a knack for making complicated things feel manageable. She's patient, empathetic and very good at helping people find their way through decisions that can sometimes feel overwhelming.

Rachael's role has changed a lot in seven years. The way she looks after people hasn’t.

Kelly sits down with Jess Tettey for our latest Local Treasures. Jess has guided families through one of life's harder decisions for eleven years at Rectory Court Care Home and her advice to every one of them is the same: don't wait for the crisis.

On care, timing, planning early, and the family who kept her number for seven years.
https://ginkgofinancial.com/local-treasures-Jess

If you’ve come back from holiday wondering whether you could just stay next time, you’re not alone – and after the summer we’ve had, who could blame you?

Daren’s new blog looks at what actually happens when a holiday idea turns into a tax calculation. Three numbers to run first, and one question most people haven’t asked themselves."

https://ginkgofinancial.com/move-abroad-to-save-tax-run-these-numbers-first

Something a bit different from us today.

Our lovely friends at Blackheath Halls have graffiti workshops running in September, with sessions for kids aged 8 to 11, teens, and adults. They're led by professional graffiti artist Jesse Wilson from Paintbox Graffiti, and everyone taking part helps paint the set for the 20th anniversary production of Carmen.

A real chance to leave your mark on something the whole community will see.

You don't need any experience and they provide all the kit.

Have a look and book here: https://www.blackheathhalls.com/whats-on/

If you go along, do tag us. We'd love to see what you make.

Back-to-school a key time of year for parents to do financial homework https://www.independent.co.uk/money/aviva-b3037899.html

Back-to-school a key time of year for parents to do financial homework – survey Aviva looked at key events and milestones that can trigger people to take a fresh look at their finances.

HMRC’s two-tier IHT plan risks unfairly penalising pensions https://ifamagazine.com/hmrcs-two-tier-iht-plan-risks-unfairly-penalising-pensions/

HMRC’s two-tier IHT plan risks unfairly penalising pensions - IFA Magazine Rachel Vahey, head of public policy at AJ Bell, examines how the proposed inheritance tax treatment of unused pensions from April 2027 could create higher

I retired at 52 after a ‘eureka moment’ – now I travel the world with £1.2m pension https://inews.co.uk/inews-lifestyle/money/pensions-and-retirement/retired-eureka-moment-travel-world-pension-4673248

I retired at 52 after a 'eureka moment' – now I travel the world with £1.2m pension Jon Ellis retired early alongside his wife and has since travelled around the world in business class

Elaine's nomination for 'Local Treasure' is Iain our Postman:

"Iain always arrives at the office with a big smile and never fails to brighten up our day. Rain or shine, he greets us with the same cheerful hello and a friendly word - and somehow the post always seems to arrive with a bit of sunshine attached.

It's the small things that make a working day, and Iain's kindness and good humour are exactly that. He's become a familiar and much-loved part of our week here at Ginkgo.

Thank you, Iain - for the smiles, the friendly chats, and for reminding us that a little cheerfulness goes a long way. You're one in a million!"