Fore Financial Planning

Here’s to the end of an amazing week for our business, along with many others in Birkdale. It has been our pleasure to welcome new and existing clients, friends and family across the entire week. Our team are back to business as usual, continuing to provide the highest standard of financial planning across the North West and beyond.

Big changes are coming to workers in oil & gas and not many have yet realized.

Currently, pensions can be passed on outside of your estate for inheritance tax.

From 2027 that’s unlikely to be the case, depending on structure. The changes are likely to affect how your wealth passes on to the next generation. Of course, taxation rules can change at any time and are dependent on individual circumstances.

Offshore workers who have planned for a comfortable retirement, saving hard into their workplace pension for decades, could be some of the hardest hit by these changes. Many don’t even understand how their pensions are structured.

Identifying the risk early is key to effective planning. Our cashflow modelling tools are a useful way to visualize your financial future, providing insight into the potential future value of your retirement savings. It can also open opportunities for other areas of estate planning, such as arranging your will, trust planning and much more.

Think you need to know more? Get in touch with the team to arrange a no obligation consultation and come away with a better understanding of your retirement planning needs.

Will writing involves the referral to a service which is separate and distinct to those offered by St. James’s Place. Wills & Trusts are not regulated by the Financial Conduct Authority

Fore Financial Planning is a trading name of Fore Financial Planning Ltd.

Fore Financial Planning Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 03/06/2026

Working in oil & gas in your 40’s? Is it too soon to start thinking about how you plan your way out?

Being part of a high demand industry, you make sacrifices. The reward that often comes from this industry is what keeps you coming back, but soon you start to realize you cannot buy back time.

Many of our clients at Fore are building strong offshore careers in their 20’s and 30’s, using the opportunity of time and compound growth to help them plan for a future beyond the rig.

Often those who wait until their 40’s quickly learn that their retirement planning hasn’t kept pace, often because of overlooking their workplace pension.
It’s at this point where people feel under pressure to catch up, with the dream of early retirement starting to appear far-fetched. What further sacrifices need to be made? Is retirement at 55 even viable anymore?

Every day we help offshore workers to better understand the pathway to a comfortable retirement. Our cashflow modelling tools provide clarity and insight, helping to visualize your future financial position and make an informed decision on how much you should be contributing to your workplace pension. We can also highlight potential future implications such as Inheritance Tax.

If you haven’t already benefitted from our cashflow modelling service, feel free to reach out and we’ll happily arrange a no obligation consultation.

Fore Financial Planning is a trading name of Fore Financial Planning Ltd.

Fore Financial Planning Ltd is an Appointed Representative of and represents only St. James’s Place Wealth Management plc which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 02/06/2026

We’re thrilled to share that our team is growing faster than ever! As we continue to deliver exceptional financial planning services, we’re welcoming new talent and expanding our capabilities to better serve our clients.

At Fore, we believe in building a culture of collaboration, innovation, and client-first thinking. This growth reflects our commitment to helping individuals and businesses achieve financial security and long-term success.

Keep your eyes peeled as we introduce the team over the coming weeks

Fore Financial Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 05/12/2025

Despite the economic and market challenges of the last few years, research conducted by Opinium on behalf of St. James's Place shows: 85% of people who take ongoing advice are on track or even ahead of their savings and investment goals.

Advice can help people plan, adapt, and stay focused, even when times are uncertain.

Fore Financial Planning is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).



SJP Approved 19/09/2025