Celtic Financial Planning Ltd

Networking in full swing 🎾

The second Chester Tennis Networking event was another ace. A brilliant group joined us on court for an evening of tennis, new connections and a well-earned drink afterwards.

These events are about more than the tennis. They're about building genuine connections in a relaxed setting. A few rallies, a bit of laughter and a drink at the bar afterwards.

Thank you to everyone who came along and made it such an enjoyable evening.

Want to join us next time? Drop us a message. All abilities welcome, no Wimbledon experience required.

And with pension rules changing in April 2027, more families could be caught out than ever before.

So we built something to help.

Our free IHT Checker gives you a personal estimate of your family's potential bill in about 3 minutes. No jargon. No commitment. Just clarity.

✓ Answer a few quick questions
✓ See how the 2027 pension changes could affect you
✓ Download your free PDF report

Nothing is stored. Nothing to lose.

👉 https://www.celticfp.co.uk/iht-checker.html

Nobody knows when the next market crash will happen.

Not us. Not the person confidently predicting it on social media. Markets rarely send out an appointment invitation before they fall.

What investors can do is:

✅ Understand the risks
✅ Examine how exposed they really are
✅ Make sure their financial plan doesn't depend on one sector outperforming indefinitely

AI may be transformative. But even transformative technologies can disappoint investors when expectations get ahead of reality.

Read our latest article on the AI investment theme and what it means for your portfolio: https://www.celticfp.co.uk/ai-market-crash/

It's a question we hear often. And the answer isn't simply about how much is in your pension.

It depends on your lifestyle, spending, savings, investments, tax position and how long your money may need to last.

In our latest blog, we explore what early retirement really takes, from understanding the income gap before your State Pension to making sure your money lasts 30 or 40 years.

You might be closer than you think. Or there may be a few adjustments that could make all the difference.

Read the full article here: https://www.celticfp.co.uk/can-i-retire-early/

We're so proud of our team member Sam, who recently visited Share Chester - ShareShop (SHARE Homeless Action Centre) to see first-hand the incredible work they do.

Through Sam's Celtic Financial Planning Fantasy Premier League competition, he's raised over £2,000 for SHARE so far, and it was wonderful for him to see exactly where that support goes.

SHARE provides a genuine home-from-home for people who need it most, with facilities including a living area, games room, medical room and counselling room. The team there are doing incredible work.

It's not too late to get involved! You can still join Sam's fantasy football mini league or make a donation through his JustGiving page:

https://www.justgiving.com/page/samuel-arshad-roberts-4

A huge thank you to Lauren, Lyndsey and everyone at SHARE for the brilliant work you do. ❤️

Technology has its place. But it's not in our client relationships.

We've embraced technology where it makes sense. AI helps us work smarter behind the scenes, giving us more time to focus on what really matters.

But your financial future isn't something we'd ever hand over to a machine. You deserve real conversations with real people who understand your life and your goals.

That's the Celtic Financial Planning way. And if that sounds like the kind of service you're looking for, we'd love to hear from you.

This is what exceptional service looks like. ⭐

From the very first call with Genette to a tailored consultation with Chris, we deliver a seamless experience that puts our clients first - every single time.

Our clients trust us because we take the time to understand their unique situation and provide advice that's genuinely right for them. No pressure, no jargon - just expert guidance you can count on.

Thank you for this fantastic review 💙

Congratulations to Ella for passing the CII Individual Savings Account Administration (FA5) exam! 🎉

Why does this matter to you?

Because when our team grows their knowledge, you get better service. Ella's expertise means she can support our clients even more effectively when it comes to their ISAs and savings.

We're big believers in professional development here at Celtic Financial Planning. It's one of the ways we make sure you're always in safe hands.

Well done Ella, we're proud of you!