Godiva Financial Planning Ltd

Godiva Financial Planning Ltd At Godiva Financial Planning, we provide bespoke Wealth Management advice to individuals and businesses in and around Coventry and the Midlands.

Rise in UK political uncertaintyAfter weeks of speculation and growing pressure, Keir Starmer announced his resignation ...
23/06/2026

Rise in UK political uncertainty

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It comes after just under two years in office and means the UK will soon have its fifth prime minister in as many years. However, the next steps remain unclear. Even in the event of a smooth ‘coronation’ to a successor, the process could take several weeks.

Immediately after the announcement, the UK market took Starmer’s resignation largely in its stride, although the pound weakened in anticipation of his resignation. The FTSE was very marginally down while gilts held steady in the hours after the news was released on Monday morning. However, a big question, not least for markets, will be who becomes the next chancellor if, as expected, Rachel Reeves is moved from her current position.

Hetal Mehta, St. James's Place’s Chief Economist, says: “Given the current situation, policy uncertainty – especially regarding the fiscal stance – could remain elevated for months, i.e, until the next Budget.

“Without cuts to day-to-day spending and welfare, any attempts to boost investment or reduce the real terms spending cuts some government departments are facing, would require tax increases.”

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/weekwatch-22-06-2026

Ever feel like there just aren’t enough hours in the day? You’re juggling work, family, and maybe even a hobby or two. ...
19/06/2026

Ever feel like there just aren’t enough hours in the day? You’re juggling work, family, and maybe even a hobby or two.

You’re capable of managing it all – it’s just that there’s only so much time to go around, like trying to squeeze a week’s worth of laundry into a single Sunday!

That’s where I come in. Think of me as that trusty sidekick who doesn’t take away your superpowers but complements them.

I don't swoop in to replace your skills, but rather help you make sense of the financial puzzle so you can spend your time on what really matters to you.

Investing in my service isn’t about handing over control; it’s a way to reclaim some of that oh-so-precious time. 📅

Because honestly, nobody woke up today thinking, 'I can't wait to unravel my finances.' Allow yourself the freedom to focus on your passions while I handle the numbers.

Just like a good cup of tea, financial planning should be comforting, not complicated! ☕️

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns i...
16/06/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings.

Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren

Ever felt like you’re just going through the motions with your service provider? Like wearing those old, comfy shoes tha...
15/06/2026

Ever felt like you’re just going through the motions with your service provider? Like wearing those old, comfy shoes that are starting to pinch? It doesn't always feel right, does it?

Sometimes, sticking with the same provider isn't just a comfort zone – it can also be a bit of a rut! Here are a few telltale signs it’s time to consider a change:

1. Lack of Communication: If your provider isn't keeping in touch, you’re basically wandering through the financial fog.
2. Rising Fees: Are you handing over more money for less value? That’s like upgrading to a fancy coffee only to find it’s just a tiny cup!
3. Better Options Are Out There: If a friend mentions a fantastic alternative, don’t brush it off. They might just have the golden ticket!
4. Changes in Your Life: A new job, moving house, or planning for a family? Life happens and so should your planning!

Sometimes it’s worth having a little gander at what's out there. Change can be a good thing, just like finding that perfect pair of shoes! 👟✨

What actually encourages people to start investing?New behavioural research suggests the answer may be simpler than expe...
10/06/2026

What actually encourages people to start investing?

New behavioural research suggests the answer may be simpler than expected. Clear, relatable messages - especially those using real-life examples and numbers - are far more likely to resonate than abstract or overly complex explanations.

The impact is particularly strong among younger audiences, while different age groups respond to different styles of communication. This highlights the importance of how financial concepts are explained, not just what is being said.

With many people holding significant cash savings but not investing, understanding these behavioural drivers could play an important role in closing the gap between intention and action.

The value of investments may fall as well as rise and you may get back less than invested.

Millions of UK savers are doing the right thing by putting money aside.But many are stopping one step short.Recent resea...
09/06/2026

Millions of UK savers are doing the right thing by putting money aside.

But many are stopping one step short.

Recent research highlights a clear pattern. Around 10 million people say they’re interested in investing, yet don’t take action. For many, it’s not about a lack of money. It’s uncertainty.

Investing can feel complex. It can feel unfamiliar. And for some, it still feels like something “other people” do.

What’s interesting is how much of a difference simple conversations can make. Nearly 40% of savers say they’d be more likely to invest after talking about it with someone they trust. Yet most people rarely discuss investing at all.

That gap between interest and action is where the opportunity lies.

Clear, relatable examples and everyday language can help make investing feel more accessible. Breaking long-term goals into smaller steps can also make the journey feel more manageable.

Ultimately, helping people feel more confident and comfortable is key to changing behaviours over time.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap

Trusts are becoming a more common part of estate planning – but they’re not always straightforward.They can offer a way ...
04/06/2026

Trusts are becoming a more common part of estate planning – but they’re not always straightforward.

They can offer a way to pass on wealth with greater control, while potentially helping to manage inheritance tax. This can be particularly relevant as rules evolve, including upcoming changes to how pensions are treated.

However, trusts come with their own set of rules, including potential tax charges and ongoing responsibilities. They’re not a one-size-fits-all solution, and how they’re structured can make a significant difference to the outcome.

For many, the key is understanding how a trust fits into the wider estate plan, rather than viewing it in isolation.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Bonds are back in the spotlight. 📈 With interest rates shifting, many are reassessing their investment options. It used ...
02/06/2026

Bonds are back in the spotlight. 📈 With interest rates shifting, many are reassessing their investment options. It used to be that people dismissed bonds, focusing solely on stocks for growth. But now we see a shift.

Why should this matter to you?
Bonds can add stability to your portfolio, acting as a counterbalance when markets become volatile. They provide regular income and can help preserve capital during downturns.

If you haven't considered bonds recently, it might be time to think again. They are not the boring options they used to be. Instead, they can play a crucial role in your financial strategy.

Look at your investments. Are you giving bonds the attention they deserve? 🧐

Imagine if your wealth had a superpower: it could grow and grow, just by being a bit patient and hanging around longer.T...
01/06/2026

Imagine if your wealth had a superpower: it could grow and grow, just by being a bit patient and hanging around longer.

That’s pretty much the lesson from The Richest Man in Babylon. Written way back when, it still serves up some wisdom that’s as fresh as your morning cuppa.

You see, wealth is a bit like baking a cake. If you toss everything in the oven and check back after five minutes, you’re left with a gooey mess. But if you let it bake, let the ingredients mingle and do their thing, you’re rewarded with something delicious.

That’s compounding for you! Each time you reinvest, your money tries its best to multiply (it’s all about that teamwork, really). It’s just a matter of giving it the time it needs. So, while you’re planning that dream holiday or saving for the kids’ school fees, remember: patience is key.

How are you making the most of your time in the finance kitchen?

The market has been a rollercoaster lately, and it’s normal to feel a bit unsettled. 📉📈 For the latest update on the mar...
31/05/2026

The market has been a rollercoaster lately, and it’s normal to feel a bit unsettled. 📉📈

For the latest update on the markets from the past week, read our last week's Weekwatch:

https://www.godivafinancialplanning.co.uk/article/detail/sjpp/weekwatch-26-05-2026.html

Remember, fear shouldn’t dictate your choices. Keep your focus on those long-term goals.

Economic fluctuations can create great opportunities. Trying to time the market is like catching lightning in a bottle - frustrating and rarely successful.

Instead of getting caught up in today’s headlines, concentrate on your plan. Regular reviews of your investments are important, but steady progress often beats panic-driven decisions. And let’s not forget the value of diversifying your portfolio; it can help cushion the inevitable ups and downs.

Stay informed and calm, as investing is a marathon, not a sprint. Patience and a clear vision are key to success.

💪

Address

Friars House, Manor House Drive
Coventry
CV12TE

Opening Hours

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

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+442477360315

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