TPD Wealth Management Ltd

What does financial advice actually cost?

It is a fair question and a surprisingly hard one to get a straight answer to. Fees are often quoted as
percentages, spread across initial and ongoing charges, and almost never presented in a way you can
compare between one adviser and the next.

We have written a plain-English guide to it: what you are actually paying for, why good advice is not cheap
to deliver, and how to check any adviser& #39;s fees against the market before you commit.

It also explains where we sit. VouchedFor independently assessed our fees in July and rated them
HIGHLY COMPETITIVE — more than 15% below the national average over five years.

Have a read, and use the fee estimator at the end to see what it would look like for you:

https://tpdwealth.co.uk/why-financial-advice-fees-are-worth-it/

Is your current mortgage deal coming to an end?

You may be weighing up whether to remortgage with a new lender or use a product transfer with your existing one.

Both options could help you secure a new deal, but the right choice will depend on your circumstances, borrowing needs, and the rates available to you.

Read our latest blog, linked below, to learn the difference between a product transfer and a remortgage.

https://tpdwealth.co.uk/product-transfer-v-remortgage-whats-the-difference/

Could a tracker-rate mortgage be worth considering?

According to UK Finance, tracker-rate mortgages account for just 7% of outstanding residential mortgages.

However, they are becoming more popular, with some brokers reportedly seeing applications triple in April 2026 compared to the previous month, according to the Guardian.

Read our latest blog, linked below, to learn how tracker-rate mortgages work and whether one could suit your needs.

https://tpdwealth.co.uk/tracker-rate-mortgages-are-on-the-rise-could-it-be-a-valuable-option-for-you/

As a business owner, your personal and business financial values are often closely linked, but they're not the same.

Focusing only on the valuation of your business when assessing whether you're on track for personal long-term goals could be risky.

To discover the difference between building wealth and building business value, click the link below.

https://tpdwealth.co.uk/the-difference-between-building-wealth-and-building-business-value/

Delays in estate planning could cost UK families £12.3 billion when changes mean pensions will form part of your estate next year, according to a report covered by Today's Wills and Probates.

Under the current rules, most pension wealth sits outside your estate for Inheritance Tax purposes.

However, for many pension holders, that will change on 6 April 2027, as most pensions will be included in Inheritance Tax calculations.

Read our blog, linked below, to learn more about the upcoming changes and how you can pass on your wealth to your loved ones tax-efficiently.

https://tpdwealth.co.uk/the-12-3-billion-cost-of-delaying-estate-planning/

Why a tailored financial plan matters:

1. Looking beyond the value of assets could paint a clearer picture
2. A financial plan may bring together multiple assets
3. You could identify tax allowances and exemptions
4. A strategy might help you measure the impact of your decisions
5. A clear plan could reduce impulsive decisions

Get in touch or read our blog, linked below, to find out how we could help you reach your goals.

https://tpdwealth.co.uk/wealth-v-strategy-why-a-financial-plan-is-essential/

On the surface, doing nothing seems like a simple investment strategy.

However, investment markets often experience volatility, which could tempt investors to make decisions based on short-term emotions that harm their long-term growth.

To learn more about why doing nothing is often the best course of action and the common financial biases that could be provoking you into making hasty decisions, click the link below.

https://tpdwealth.co.uk/why-doing-nothing-might-be-the-hardest-investment-strategy-to-follow/

A product transfer and a remortgage are not the same thing.

A remortgage means moving to a new lender, which could give you access to a wider range of deals.

A product transfer means staying with your current provider, which may be quicker and involve less paperwork.

Read our blog, linked below, to discover the pros and cons of each option.

https://tpdwealth.co.uk/product-transfer-v-remortgage-whats-the-difference/

Choosing the right mortgage is about more than finding the lowest rate.

A tracker-rate mortgage follows the Bank of England base rate, plus a defined percentage. This means your repayments could rise or fall during the term.

While tracker-rate mortgages may look competitive, they are not automatically the right option for everyone.

Read our blog, linked below, to learn more about tracker-rate mortgages and the other options you might want to consider.

https://tpdwealth.co.uk/tracker-rate-mortgages-are-on-the-rise-could-it-be-a-valuable-option-for-you/

In June, tech entrepreneur Elon Musk made headlines by becoming the first trillionaire when his company SpaceX was listed on the NASDAQ stock exchange.

Yet, the BBC reports that within two weeks, Musk lost his trillionaire status when technology stocks tumbled.

Musk remains the world’s richest person, but the news highlights the potential risk for business owners who rely on their company when assessing wealth.

Read our blog, linked below, to discover the important distinction between building personal wealth and building business value.

https://tpdwealth.co.uk/the-difference-between-building-wealth-and-building-business-value/