Solus Financial Planning Ltd

Solus Financial Planning Ltd Solus Financial Planning is a firm of Independent Financial Advisers headed by Gavin Johnson.

02/04/2026

It’s an exciting time to be a part of this club and team!

After officially affiliating with the club this season, next season sees some exciting changes and backing from the clubs owners.

We are looking to boost the squad we have as we continue to aim to climb the leagues and women’s pyramid.

Would you like to be a part of something special, a journey to be proud of and helping us make history at Chelmsford City Women?

Get in touch now! ⚽️💜

21/03/2026

Fantastic news for our team, Gavin Johnson has been recognised as a Top Rated Adviser in the VouchedFor Top Rated Guide, featured in The Times 🎉

The guide promotes the UK’s top financial advisers, based entirely on feedback from the clients they support every day.

This recognition reflects Gavin’s commitment to helping people feel confident about their financial future and guiding clients through important life decisions.

A big thank you to everyone who has taken the time to leave a review and share their experience. Your feedback makes achievements like this possible.

What does retirement mean when it’s just you?For many people navigating life after a breakup or bereavement, retirement ...
21/03/2026

What does retirement mean when it’s just you?

For many people navigating life after a breakup or bereavement, retirement feels like a blank page. The plans you made with someone else are no longer relevant. But that doesn’t mean you can’t plan with confidence.

In fact, you now get to define retirement entirely on your own terms.

Want to travel more? Downsize and free up equity? Support grandchildren through university? You can—if you plan intentionally.

The key is aligning your values with your numbers. Don’t just look at how much you have—think about what you want life to feel like.

Then map out your income, expenses, and risks. Use tools like cashflow forecasting to visualise the future, and adjust the plan as life unfolds.

With the right support, retirement isn’t an ending—it’s a reinvention.

You’re not starting from scratch. You’re starting from experience.

If you'd like a copy of my FREE book A New Chapter: Securing your financial future after divorce or bereavement then

🗨️ Leave a comment
📧 Email me at hello@ https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/
🌐 Or visit https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/ "

The compounding effect: How it could boost or harm your finances.When a 1920s ad referred to compound interest as “the e...
20/03/2026

The compounding effect: How it could boost or harm your finances.

When a 1920s ad referred to compound interest as “the eighth wonder of the world”, the quote was left unattributed. But that didn’t stop it from becoming synonymous with the celebrated physicist, Albert Einstein. Link in the comments.

Single and planning retirement? You’re not alone—and you’re not behind.Many people enter retirement without a partner, w...
19/03/2026

Single and planning retirement? You’re not alone—and you’re not behind.

Many people enter retirement without a partner, whether due to divorce or loss. The shift can feel daunting. But it’s also an opportunity for clarity and choice.

This is your chance to ask: What do I want my retirement to feel like? What brings me joy, purpose, or peace?

From there, you can shape your finances around your goals. Whether you’re 45 or 75, it’s never too late to build a plan. Prioritise guaranteed income, flexible access, and protection against unexpected costs like care.

And remember: your financial adviser isn’t just there for the maths—they’re your thinking partner.

Your retirement may look different than you once imagined. That doesn’t make it less meaningful.

You get to write the next chapter. Make it count.

If you'd like a copy of my FREE book A New Chapter: Securing your financial future after divorce or bereavement then

🗨️ Leave a comment
📧 Email me at hello@ https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/
🌐 Or visit https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/ "

About me, Solus Financial Planning and the journey. Link in the comments.
18/03/2026

About me, Solus Financial Planning and the journey. Link in the comments.

Guide: Your retirement choices: How to generate an income in later life.Retirement on your terms is likely to be one of ...
17/03/2026

Guide: Your retirement choices: How to generate an income in later life.
Retirement on your terms is likely to be one of the key elements of your financial plan.
So, as you approach or reach retirement, now is the time for you to start thinking about enjoying a comfortable life when you stop working.
Link in the comments.

5 shrewd ways to avoid paying tax on your savings.24% of people think all their savings are tax-free, according to a Llo...
16/03/2026

5 shrewd ways to avoid paying tax on your savings.

24% of people think all their savings are tax-free, according to a Lloyds Bank survey carried out in February 2025. However, they could be in for an unexpected shock, as the interest earned on savings might be liable for Income Tax.
The good news is, there are often ways to reduce a potential tax bill on your savings. Read on to find out when your savings might be taxed and how to avoid an unexpected bill. Link in comments

For many couples, retirement planning is a shared journey. When that dynamic shifts—through divorce or bereavement—it ca...
14/03/2026

For many couples, retirement planning is a shared journey. When that dynamic shifts—through divorce or bereavement—it can be hard to know where to begin again.

But here’s the opportunity: this time, retirement can be entirely yours to design.

Start with what matters. Where do you want to live? How do you want to spend your time? Who do you want to support?

Next, assess your position: pensions, investments, debts, and savings. Then build a plan that balances income, lifestyle, care needs, and legacy.

It’s not just about money—it’s about peace of mind. Cashflow forecasting can help you visualise how long your money will last, and how your choices today affect your future.

This isn’t about settling for less. It’s about planning with purpose.

Whether you’re gifting to children, downsizing, or travelling the world, retirement planning as a single person offers clarity and control—when done with the right support.

Your future is still yours to shape.

If you'd like a copy of my FREE book A New Chapter: Securing your financial future after divorce or bereavement then

🗨️ Leave a comment
📧 Email me at hello@ https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/
🌐 Or visit https://solusfinancial.co.uk/a-new-chapter-securing-your-financial-future-after-divorce-or-bereavement/ "

Think cash is king? It might be time to review your mantraCash can be comforting. It’s familiar, it’s accessible, and it...
13/03/2026

Think cash is king? It might be time to review your mantra

Cash can be comforting. It’s familiar, it’s accessible, and it’s tangible. But while cash savings can be part of a well-balanced financial plan, they’re not always the best-performing asset.
Data shows that many UK adults are reluctant to depart from cash. In an update reported by MoneyWeek, the Financial Conduct Authority (FCA) reported that 61% of adults with £10,000 or more in investible assets are holding at least three-quarters in cash. 1 in 5 adults have cash savings of £25,000 or more, and around 1 in 10 have savings exceeding £50,000.

The regulator warned that holding such a large proportion of assets in cash could mean UK adults are missing out on the longer-term returns potentially available from investing, even when savings interest rates are high.

Read on to find out alternative options to cash, how to begin moving into other investments, and the times cash might be a more appropriate choice.

Link in the comments

I recently asked four clients to record a video testimonial. One of those clients was Nick. If you'd like to watch Nic...
17/12/2025

I recently asked four clients to record a video testimonial. One of those clients was Nick. If you'd like to watch Nick's video follow the link in the comments.

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Saxon House, , 27 Duke Street
Chelmsford
CM11HT

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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