Pineapple Financial Planning

We're starting the week on a high here at Pineapple HQ by sharing this wonderful review left for us by a lovely client! Thank you so much for such fantastic feedback!✨

It's always a great feeling to receive reviews from clients about our service - please head to our Google page to leave your feedback, it is all very much appreciated.🙏

Have a great week, everyone!

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider: https://bit.ly/4cIQcpg 🍍

Achieving a successful handover of your business to a family member typically comes down to three aspects: early planning (ideally five to 10 years in advance), having a full understanding of the value of the business, plus open communication with all involved parties to ensure fairness.

It’s not just about passing on ownership of your company. Succession planning is also about the future leadership and management of your business. And these things won’t necessarily lie in the same hands.

Developing the next directors and leaders for your business, if they are to stay within the family, could take several years. Take a look at our blog 'Keeping it in the family: planning ahead for business succession' to find out more: https://bit.ly/4gFbaqt 🍍

The August Bank Holiday weekend is very nearly upon us!

Please note: The office will be closed on Monday, but we will be back open as usual on Tuesday 1st September.

Have a great weekend, everyone🍍

There are many reasons for not making a Will. These range from ‘not getting round to it’ to thinking we’re too young to need one. There is also a common assumption that partners and children will automatically receive their fair share.

However, with family structures more blended than ever before, failing to prepare for who should benefit from your assets could mean your wishes are not realised. Find out full details in our bog 'Where there's a Will, there's a say': https://bit.ly/4wWpT6w 🍍

NEW review! It's always a great feeling to receive reviews from clients about our service. Thank you so much for such fantastic feedback!✨

📣 Clients - please head to our Google page to leave your feedback, it is all very much appreciated.🙏

If you’re eyeing an exit from your business, you’re probably wondering what the best route is, and crucially, how much it might be worth.

Carefully calculating your firm’s potential value before speaking to buyers should help ensure you’re in the strongest negotiating position.

Here’s our advice on how to work out a sale value and the key impacting factors: https://bit.ly/4g0RPRn 🍍

Meet Alison Duckmanton 👋

Alison started working in financial services in 2003. Originally from Durham, she decamped to Yorkshire to go to University in 1995, met and married a Yorkshireman and never looked back!

With over 20 years’ experience in Financial Services, Alison is the Practice Manager and also provides adviser support, is available for client queries and makes a very strong cup of coffee.

Married to Robin, she has two children; Ben and Nina, and enjoys family life walking their dog, Betty, playing doorman to their two cats, ferrying the children to and from their various activities and, in any spare time left, enjoys a craft project and baking for family and colleagues.

🤝Meet more of the Pineapple team: https://bit.ly/49y0vuK 🍍

Losing a partner, a parent, or going through a divorce, are among the most difficult life experiences you can face. It can happen quickly too, without much warning. Not only will there be strong and complex emotions to deal with, but for many women it means a sudden and significant change to their finances.

For some women it might be the first time they’ve had to manage a property, investments, or a large sum of cash on their own.

Making decisions about your wealth at such pivotal points in life can be stressful and overwhelming. So how can women be confident they’re making the right choices for their future when their finances change overnight? Click the link to read full details & guidance: https://bit.ly/4g56ISA 🍍

For many people in their 30s and early 40s, life can feel like a constant balancing act – managing a mortgage, building a career, raising a family and trying to keep up with day to day costs.

With so much focus on the here and now, thinking about long-term protection can easily fall down the priority list. This could leave many financially exposed to unexpected events.

Millennials, those aged around 30 to 45, are at a defining and often stressful stage of life. Read our full article 'Are millennials failing to protect their future?' and find out full details: https://bit.ly/3TyKfEG 🍍