Peak Fifteen Financial Planning

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Peak Fifteen Financial Planning

Mark Eldor CFP, Chartered MCSI

03/06/2026

A well-thought-out financial plan is the foundation of a secure future - you make confident decisions and stay on track toward your goals. Small steps, like making the most of your ISA allowances or contributing regularly to your pension, can make a big difference over time.

If you're unsure where to begin, our Tax planning guide is a great place to start. In just 20 minutes, you’ll learn how to choose the ISA that suits you best, maximise your tax benefits, and see how regular contributions fit into your wider financial plan.

https://www.peakfifteenfp.co.uk/advice-and-services/tax-planning

01/06/2026

Proposed changes to Inheritance Tax (IHT) rules could affect how pension wealth is passed on to beneficiaries from April 2027.

The Government has released further detail on plans that may bring some unused pension funds and death benefits into the scope of IHT. If implemented, this could change how pensions are considered within estate planning.

As always, tax treatment depends on individual circumstances and may change in future.

With pensions often playing an important role in long-term financial planning, it may be worthwhile reviewing existing arrangements to understand whether these proposed changes could have an impact.

If you would like to discuss how the proposals may affect your own plans, please get in touch for advice.

https://www.peakfifteenfp.co.uk/article/detail/sjpp/weekwatch-01-06-2026.html

28/05/2026

It’s never too soon to start planning for retirement.

One of my younger clients, in the 18–34 age category, approached me looking to take a proactive approach to their future and begin working towards the goal of a comfortable early retirement.

Together, we’ve built a long-term financial strategy focused on clear planning, realistic expectations, and regular reviews to help keep things on track over time.

Retirement planning is not just something to think about later in life - starting early can make a significant difference to the options available in the future.

26/05/2026

Bonds are back in the spotlight as changing interest rates and market conditions reshape the investment landscape.

For some investors, bonds may play a role in helping to diversify a portfolio and provide income potential, depending on individual circumstances and objectives.

This latest article explores why bonds are receiving renewed attention and what this could mean for investment planning.

Read the full article here: https://www.peakfifteenfp.co.uk/article/detail/sjpp/why-bonds-are-back-in-the-spotlight-and-why-it-matters.html

24/05/2026

Dementia Action Week is an important reminder that planning ahead matters — not just financially, but for the people closest to us too.

A lasting power of attorney can help ensure that trusted loved ones are able to make important decisions if mental capacity is lost through illness, accident, or conditions such as dementia.

This latest article explains why putting plans in place early can make a difficult situation far easier for families later on.

Read the full article here: https://www.peakfifteenfp.co.uk/article/detail/sjpp/dementia-action-week-shoring-up-the-future-with-a-lasting-power-of-attorney.html

21/05/2026

Done is better than perfect - especially when it comes to financial planning. Clear, structured decisions made early can be more effective than waiting for ideal conditions that rarely arrive.

19/05/2026

Financial resilience across the UK has weakened over the past year, with more households reporting financial pressure and reduced confidence in their future. But the research is consistent: those with a financial plan are significantly more likely to feel in control and confident about their finances.

Having structure in place doesn’t remove uncertainty - it helps people respond to it with clarity rather than reaction.

Read the article in full here - https://www.peakfifteenfp.co.uk/article/detail/sjpp/financial-health-report-financial-resilience-falls-but-a-plan-can-boost-confidence.html

18/05/2026

When it comes to saving and investing for children and grandchildren, time is the most powerful factor. Even modest contributions made early can grow over the long term, helping to build financial support for future goals such as education, housing, or later life planning.

There are several options available depending on circumstances and objectives, including Junior ISAs, pensions, savings accounts, and trust structures. Each comes with different rules on access, tax treatment, and risk, so the right approach will vary from family to family.

At Peak Fifteen, we help families consider the most suitable way to structure support for younger generations, balancing growth potential with flexibility and control.

If you’d like to understand the options available for supporting children or grandchildren, send us a DM to learn more.

15/05/2026

Financial planning is about keeping things organised, reviewing regularly, and adjusting when circumstances or markets change.

A structured approach can help bring clarity over time and keep financial decisions aligned with longer-term objectives.

13/05/2026

Running a business often involves balancing a wide range of responsibilities, and financial planning is one area where a structured approach can help provide clarity.

Many business owners focus on growth and day-to-day operations, while financial decisions across both business and personal areas can sometimes become less joined up over time.

A considered approach looks at key areas such as cash flow, tax planning, risk management, employee considerations, and longer-term planning for exit or succession.

Rather than addressing each stage in isolation, planning across the full business journey can help support more consistent decision-making.

At Peak Fifteen Financial Planning, we work with business owners to review their financial position in a structured way, helping them understand how different areas link together.

Download our guide here:https://www.peakfifteenfp.co.uk/specialist-advice/business-owners

Address

56 Hamilton Square
Birkenhead
CH415AS

Telephone

+441513059537

Website

http://www.peakfifteenfp.co.uk/

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