Financial Planning Solutions Ltd

11/04/2026

Since the end of February, markets have been volatile due to conflict in the Middle East. The uncertainty might be a cause for concern, and you may also be unsure how it could affect your investments or other areas of your finances. Remember your financial plan factors in periods of volatility, and in many cases, staying calm and sticking to your long-term strategy makes sense. If you have any questions, please contact us.

This month, you can read our articles covering a range of topics, including:

What past market volatility has taught us about investor behaviour.
https://fpsifa.co.uk/what-past-market-volatility-has-taught-us-about-investor-behaviour

5 ways a cashflow model could support your estate plan.
https://fpsifa.co.uk/5-ways-a-cashflow-model-could-support-your-estate-plan

7 timeless financial planning lessons you can discover in classic Greek myths.
https://fpsifa.co.uk/7-timeless-financial-planning-lessons-you-can-discover-in-classic-greek-myths

And more… https://fpsifa.co.uk/news/

The current situation in the Middle East has led to market volatility. While it might seem new, similar movements have happened before, and looking at how these events may affect investor behaviour could be useful

21/03/2026

On 6 April 2026, the new tax year will start. It may be worthwhile reviewing the tax allowances that might form part of your overall financial plan now, to allow you to make use of them throughout the year. If you have any questions or would like to arrange a review, we’re here to help.

We hope you find this month’s articles useful. They include:

How to be a successful investor: The importance of patience
https://fpsifa.co.uk/how-to-be-a-successful-investor-the-importance-of-patience

The positive psychology of clear financial goals
https://fpsifa.co.uk/the-positive-psychology-of-clear-financial-goals

How cashflow modelling can act as an early warning system for financial shocks
https://fpsifa.co.uk/how-cashflow-modelling-can-act-as-an-early-warning-system-for-financial-shocks

And more… https://fpsifa.co.uk/news/

If you’d like to talk to us about your financial plan, please get in touch.

Once you’ve set out your investment goal and strategy, what comes next? Often, it’s time to test an important investment skill – your patience. With investment strategies usually covering long time frames, composure is essential.

24/02/2026

The 2025/26 tax year will end on 5 April 2026, and many allowances and exemptions will reset for the new tax year. If you have any questions about how you could make tax-efficient decisions before the deadline, we’re here to help.

This month, our blogs include:

5 ways to emotionally recover from past financial mistakes.
https://fpsifa.co.uk/5-ways-to-emotionally-recover-from-past-financial-mistakes

What you can learn from Michael Sheen about spending with purpose.
https://fpsifa.co.uk/what-you-can-learn-from-michael-sheen-about-spending-with-purpose

6 in 10 over-45s are underestimating the cost of care by thousands of pounds.
https://fpsifa.co.uk/6-in-10-over-45s-are-underestimating-the-cost-of-care-by-thousands-of-pounds

And more… https://fpsifa.co.uk/news

If you’d like to talk to us about your financial plan, please get in touch.

Please note: The Financial Conduct Authority does not regulate tax planning.
The Financial Planning Solutions team

While mistakes can be frustrating, moving past them is important. Holding on to financial mistakes could mean you lose confidence in your ability to make decisions, so read five ways to emotionally recover.

20/01/2026

The start of a new year is a fantastic time to review your goals and set new ones that will help you live the lifestyle you want. A tailored financial plan can help you make decisions that are right for you, whether you plan to retire soon or want to see more of the world.

We hope you find our insights useful this month. Our articles include:

The importance of value and wellbeing when making financial decisions.
https://fpsifa.co.uk/the-importance-of-value-and-wellbeing-when-making-financial-decisions/


7 ways financial planning could help you set realistic goals.
https://fpsifa.co.uk/7-ways-financial-planning-could-help-you-set-realistic-goals/

How fiscal drag could harm your finances as the government extends tax freezes.
https://fpsifa.co.uk/how-fiscal-drag-could-harm-your-finances-as-the-government-extends-tax-freezes/

And more…https://fpsifa.co.uk/news/


Please get in touch if you’d like to talk to us about your finances in 2026 and beyond.

The Financial Planning Solutions team

While assessing if you can afford an item is important, you could also benefit from considering the value it has to you. Discover how financial bias could skew your perception of value, and read some tips that could help you weigh up decisions with value in mind.

26/11/2025

The Autumn Budget update, and what it means for you.

After months of speculation and rumour, chancellor Rachel Reeves has delivered the Autumn Budget for 2025. In this update, we’ll explain the key changes and what they mean for you.

Last year, in her maiden Budget, the chancellor sought to balance the public finances with tax rises to cover a reported £22 billion black hole.

This year, Reeves arguably faced an even more difficult landscape. In turn, she has announced an estimated £26 billion of tax rises by 2029/30.

The chancellor had to start her speech, however, by acknowledging the “deeply disappointing” and “serious error” of the Budget announcements being released early by the Office for Budget Responsibility (OBR).

It’s also notable how many predictions ultimately proved to be wide of the mark.

Now that we know exactly what’s included, it’s important to understand the changes and how they could affect you.

Please click on the link below to read more:

The chancellor has delivered the government’s Autumn Budget. Here’s a summary of the key announcements and what they could mean for your financial plan

20/05/2025

Over the last few months, your investments may have experienced volatility due to global uncertainty. While it can be scary, it’s important to remember short-term market movements are part of investing and, for many investors, sticking to their long-term investment strategy makes financial sense.

If you have any questions about what the current circumstances mean for your long-term financial plan, we’re here to help.

This month’s articles include:

Does money make us happy?
https://fpsifa.co.uk/does-money-make-us-happy

Why investor fear and anxiety play a role in market volatility
https://fpsifa.co.uk/why-investor-fear-and-anxiety-play-a-role-in-market-volatility

4 useful insights from a decade of Pension Freedoms
https://fpsifa.co.uk/4-useful-insights-from-a-decade-of-pension-freedoms

And more…

Contact us if you want to talk about any of the topics covered in this update.

The Financial Planning Solutions team

Research suggests money doesn’t necessarily make your happier. So, examining what brings you joy may be essential for building a financial plan that aligns with your wellbeing. Discover some key questions you might want to consider.

08/05/2025

As a new tax year starts, it’s a great opportunity to think about what your short- and long-term financial goals are. You could identify ways to improve tax efficiency in 2025/26 that allow you to reach them sooner.

If you have any questions about your financial plan in the 2025/26 tax year and beyond, please get in touch.

This month, read more about:

Take back control of your happiness
https://fpsifa.co.uk/take-back-control-of-your-happiness

4 tricks that could help you curb potentially harmful impulses
https://fpsifa.co.uk/4-tricks-that-could-help-you-curb-potentially-harmful-impulses

5 strategies that could help you avoid running out of money in retirement
https://fpsifa.co.uk/5-strategies-that-could-help-you-avoid-running-out-of-money-in-retirement

And more…

Contact us if you want to talk about any of the topics covered in this update.

The Financial Planning Solutions team

You might imagine that spending money would boost your wellbeing, but there’s a theory that your happiness returns to a set point over the long term. There could be some ways you might increase this set point and benefit from greater happiness.

22/03/2025

Welcome to your latest update.

March is the perfect time to spring clean your finances and think about your long-term aspirations. So, if you’ve been putting off tasks and would benefit from some help or you have any questions, we’re here to support your goals.

This month, you can read about a variety of topics on our blog, including:

The financial wellbeing equation
https://fpsifa.co.uk/the-financial-wellbeing-equation

Behavioural bias: 5 cognitive biases that could affect your finances
https://fpsifa.co.uk/behavioural-bias-5-cognitive-biases-that-could-affect-your-finances

Why ongoing financial advice could ease your mental load

https://fpsifa.co.uk/why-ongoing-financial-advice-could-ease-your-mental-load

And more…
https://fpsifa.co.uk/news

If you have any questions about your financial plan or would like to speak to us, please get in touch.

Financial wellbeing is a broad subject that can, at times, feel a little overwhelming. Guest writer Chris Budd explains a simple equation that sums up the subject and could help you identify ways to improve your financial wellbeing.

21/02/2025

Welcome to our latest update.

The current tax year will end on 5 April 2025. Some allowances and thresholds will reset for the 2025/26 tax year. So, before the deadline, checking which ones may reduce your overall tax liability could be valuable. We’re here to answer any questions you may have and help you understand which allowances and thresholds could be appropriate for you.

We hope you find this month’s articles useful. They include:

Behavioural finance: The effect emotions could have on your financial decisions
https://fpsifa.co.uk/behavioural-finance-the-effect-emotions-could-have-on-your-financial-decisions

How to stop following the investment crowd and stick to your strategy
https://fpsifa.co.uk/how-to-stop-following-the-investment-crowd-and-stick-to-your-strategy

Looking beyond the numbers when using a cashflow model
https://fpsifa.co.uk/looking-beyond-the-numbers-when-using-a-cashflow-model

And more…https://fpsifa.co.uk/news/

If you have any questions about your financial plan or would like to speak to us, please get in touch.

The Financial Planning Solutions team

Emotions can affect how you perceive a situation and might influence the financial decisions you make too. One simple step you might take to reduce how emotions affect your investments and other areas of your finances is to give yourself time before making a decision.

17/01/2025

Welcome to your latest update.

We hope you’ve had a wonderful start to 2025. If you’ve been reflecting on your goals and would like to update them for the year ahead, we’re here to help you. Evolving your financial plan as your aspirations or circumstances change could ensure it continues to suit your needs.

We hope you find this month’s content insightful. The articles includes:

Behavioural finance: How established habits and experiences could affect your decisions

https://fpsifa.co.uk/behavioural-finance-how-established-habits-and-experiences-could-affect-your-decisions

Why building emotional resilience could improve your finances

https://fpsifa.co.uk/why-building-emotional-resilience-could-improve-your-finances

The compelling benefits of building a tailored financial plan

https://fpsifa.co.uk/the-compelling-benefits-of-building-a-tailored-financial-plan

And more…https://fpsifa.co.uk/news

Please contact us if you have any questions or would like to arrange a meeting.

The Financial Planning Solutions team

Your established habits and past experiences might influence the financial decisions you make today, and could affect your ability to reach your goals. Find out more and what you could do to break potentially harmful patterns.

03/01/2025

⚠️ Be aware of investment and cryptocurrency fraud ⚠️

ℹ️ Investment fraud and cryptocurrency fraud involves criminals convincing people to invest in products that are either worthless, or in the case of cryptocurrency, are not accessible by the victim and the money paid out is lost.

Before investing, remember the following:
🔹 do your research - starting with online searches on the company behind the product or service
🔹 be wary of online adverts that promise high returns on investments in crypto assets
🔹 be suspicious if you're contacted after clicking on a link or a social media post, or out of the blue about an investment opportunity that you've seen.

The Financial Services Authority (FSA) regulates stockbrokers based in the UK. You can check a stockbroker’s authenticity by checking out the FSA’s:
🔹 register of authorised firms
🔹 list of unauthorised firms and individuals
🔹 list of unauthorised overseas firms.

‼️ Always check the Financial Conduct Authority (FCA) Register to make sure you’re dealing with an authorised firm and check the FCA warning list of firms to avoid. You can also call the FSA’s consumer helpline on 0300 500 5000.

Nobody is immune from fraud. For information and guidance on how to stay ahead of scammers, follow the link in the caption 🔗

If you think you've been a victim of fraud, contact your bank immediately and report it to Action Fraud by calling 0300 123 2040 or by heading to their website 👉 https://orlo.uk/Action_Fraud_jwNFC