Abode Financial Planning

Abode Financial Planning At Abode Financial Planning in Cirencester, we get it. Managing money and planning for a solid financial future can be daunting.

We’re here to show you it doesn’t have to be.

Can you pay into someone else’s pension?We’ve added a simple calculator to our website to help you see how pension contr...
11/06/2026

Can you pay into someone else’s pension?

We’ve added a simple calculator to our website to help you see how pension contributions for a spouse, child, grandchild or another family member may grow over time.

You can adjust:

• How much you pay in
• The tax relief added
• The growth rate
• The age you want to see the value at

For example, if the pension owner does not earn money, you can usually pay in £2,880 a year. HMRC then adds £720, making £3,600 in total.

Try the calculator here: https://abodefinancial.co.uk/blog/contributing-to-a-family-members-pension/ 🧮

This is general information only, not personal advice. Pension and tax rules can change.

BTS 👀🍿🎥
10/06/2026

BTS 👀🍿🎥

Retirement is changing.For many people, retirement no longer means stopping work completely.We often speak to people who...
07/06/2026

Retirement is changing.

For many people, retirement no longer means stopping work completely.

We often speak to people who want:

• fewer working days
• consultancy work
• mentoring
• more flexibility
• a gradual step back instead of a hard stop.

That can work very well financially but there are a few areas that can catch people out.

Salary, pension drawdown, consultancy income and the State Pension can all interact in ways people do not expect. Future pension contributions can change too.

One small decision can affect your options for years.

We put together a short guide on working after retirement in the UK.

Full article:
https://abodefinancial.co.uk/blog/retire-and-still-work-uk

How do you see retirement now? Full stop or gradual step back?

Selling a business can shape the rest of your life.For many owners, the business is more than just a source of income. I...
21/05/2026

Selling a business can shape the rest of your life.

For many owners, the business is more than just a source of income. It may also be:

• your pension
• your family security
• your biggest financial asset.

That is why planning early matters.

Three to five years gives you time to think clearly about retirement, future income, pensions, investments and what you want life to look like after the sale.

The sale price is only part of the picture.

We have put together a practical guide for UK business owners thinking about selling in the next few years.

Read more here:
https://abodefinancial.co.uk/blog/business-exit-planning-uk

Our Marketing Director Holly took a trip to Kemble Station today🚂
14/05/2026

Our Marketing Director Holly took a trip to Kemble Station today🚂

Most people don’t pay too much tax in retirement because of complicated rules. It’s usually down to how they take their ...
07/05/2026

Most people don’t pay too much tax in retirement because of complicated rules.

It’s usually down to how they take their income.

Once work stops, it’s no longer just one salary.

It becomes a mix of pensions, ISAs, savings and investments, all working together in ways that aren’t always obvious.

And that’s where things can quietly go wrong.

A common situation we see:

Someone takes a large pension withdrawal because it feels like the easiest option.

But that one decision can push them into a higher tax band and create a bigger bill than expected.

What tends to work better is a bit more joined up thinking.

Using different pots together.
Spreading withdrawals over time.
And being clear about what you take, when, and from where.

It doesn’t need to be complicated, but it does need a plan.

We’ve pulled this into a practical guide based on the questions people often ask as they approach retirement.

If you’re in your 50s or 60s, it’s well worth a read.

👉 https://abodefinancial.co.uk/blog/tax-saving-tips-for-retirees/

Most business owners we speak to have built up cash in their company.But they’re not completely sure what to do with it....
22/04/2026

Most business owners we speak to have built up cash in their company.

But they’re not completely sure what to do with it.

And it’s not because they haven’t thought about it.

It’s because there are a few moving parts:

- What needs to stay accessible
- What could be used more efficiently
- And what’s genuinely long-term.

So it often just sits there.

We’ve found having a simple framework makes things much clearer.

You can read the full article on our website: https://abodefinancial.co.uk/blog/what-to-do-with-surplus-cash-limited-company-uk/

Is retirement actually good for your health? 🍏The truth is: 𝗶𝘁 𝗱𝗲𝗽𝗲𝗻𝗱𝘀 𝗼𝗻 𝗵𝗼𝘄 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻 𝗶𝘁.For many, retirement brings mo...
02/04/2026

Is retirement actually good for your health? 🍏

The truth is: 𝗶𝘁 𝗱𝗲𝗽𝗲𝗻𝗱𝘀 𝗼𝗻 𝗵𝗼𝘄 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻 𝗶𝘁.

For many, retirement brings more time, less stress and a better quality of life.

But for others, it can also mean less structure, fewer connections, and more uncertainty.

In our latest article, we explore what the research shows about health and wellbeing in retirement, and how staying active, socially connected and financially confident can make all the difference.

Whether you’re in your 50s or 60s and starting to plan, or you’ve already stepped into retirement, this is well worth a read.

🟢 Read the full article here:
https://abodefinancial.co.uk/blog/is-retirement-good-for-your-health/

31/03/2026

The Retirement Checklist 🎥

Retirement is a long phase of life that can last 30 years or more, and it’s often the smaller, less obvious things that catch people out.

In this short video, our Managing Director and Chartered Financial Planner, Daniel Boden, shares a few of the things people often miss as they approach retirement.

If you’re in your 50s or 60s, it’s well worth a watch 🍿

And if retirement is on your mind, what’s the one thing you’re most unsure about?

⏰𝗧𝗵𝗲 𝘁𝗮𝘅 𝘆𝗲𝗮𝗿 𝗲𝗻𝗱𝘀 𝗼𝗻 𝟱 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟲⏰If you’re a business owner or higher earner, now is a good time to pause and sense ch...
23/03/2026

⏰𝗧𝗵𝗲 𝘁𝗮𝘅 𝘆𝗲𝗮𝗿 𝗲𝗻𝗱𝘀 𝗼𝗻 𝟱 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬𝟮𝟲⏰

If you’re a business owner or higher earner, now is a good time to pause and sense check a few things before allowances reset.

A few areas worth reviewing:

• Are you close to the £100,000 Personal Allowance taper?
• Have you made full use of your pension annual allowance?
• Is any of your £20,000 ISA allowance still unused?
• Do your investments outside ISAs need a Capital Gains Tax tidy up?
• Have you used your £3,000 annual gifting exemption?

Year end planning does not have to mean big, dramatic moves. Often it is simply about timing and making sure nothing obvious is missed.

We’ve pulled together a clear checklist here:

https://abodefinancial.co.uk/blog/end-of-year-tax-planning/

If you’d like a straightforward conversation before 5 April, we’re always happy to help. 👇

Address

Watermoor Point, Watermoor Road
Cirencester
GL71LF

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441285703060

Website

Alerts

Be the first to know and let us send you an email when Abode Financial Planning posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category