Keith Roseburgh Financial

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Keith Roseburgh Financial

Financial planning for every stage of life in Edinburgh, Dalkeith and the Lothians.

I give my clients an objective, professional and efficient service that is delivered with a personal touch. I believe that the key to successful advice is creating a trusting relationship with my clients so that I can provide financial advice that is altogether individual.

25/06/2026

The 2026/27 tax year started on 6 April 2026.

While you have until 5 April 2027 to use tax-efficient allowances and exemptions, making a plan now could be valuable.

Read our blog, linked below, to discover 4 powerful reasons to consider your tax strategy for the current tax year.

https://keithroseburgh.co.uk/powerful-reasons-to-plan-how-to-use-your-2026-27-allowances-and-exemptions-now/

23/06/2026

If you're planning to take a career break, being proactive could help you keep your pension and long-term plans on track.

Many people taking a career break will consider the effect on their short-term finances, such as how they'll pay essential bills and if they'll need to dip into savings.

However, they may not consider the potential long-term implications of pausing pension contributions.

To discover how you can keep your pension and long-term plans on track while you take a career break, click the link below.

https://keithroseburgh.co.uk/how-to-take-a-career-break-and-keep-your-pension-on-track/

22/06/2026

6 useful tips for managing lifestyle inflation:

1. Create a budget
2. Allocate a use for each pot of money
3. Automate your long-term savings
4. Avoid social comparisons
5. Implement a delay before making changes
6. Use a cashflow model to understand the impact of your decisions

Read our blog, linked below, to discover whether lifestyle inflation is stopping you from reaching your long-term goals.

https://keithroseburgh.co.uk/how-to-manage-lifestyle-inflation-to-keep-your-long-term-goals-on-track/

18/06/2026

5 tips for overcoming the fear of investment uncertainty:

1. Start small
2. Take a long-term view
3. Diversify your investments
4. Define your investment goal
5. Focus on what you can control

Read our blog, linked below, to find out more.

https://keithroseburgh.co.uk/5-tips-for-overcoming-the-fear-of-investment-uncertainty/

16/06/2026

Millions of well-intentioned people in the UK are helping their loved ones manage their online financial accounts, but could risk having these accounts frozen because they don’t have a Lasting Power of Attorney in place.

Logging into a family member's bank account to pay essential bills may seem harmless, but it could lead to frozen assets and future disputes.

Read our blog, linked below, to learn more.

https://keithroseburgh.co.uk/are-you-supporting-a-loved-one-you-might-need-a-lasting-power-of-attorney-to-act/

15/06/2026

Each year, the amount of Inheritance Tax paid to HMRC is increasing.

By 2030/31, the Office for Budget Responsibility forecasts that Inheritance Tax receipts will reach £14.5 billion, up from £8.3 billion in 2024/25.

If you're unsure how the value of your estate could affect your Inheritance Tax allowance, read our latest blog, linked below.

https://keithroseburgh.co.uk/how-the-value-of-your-estate-affects-a-key-inheritance-tax-allowance/

11/06/2026

4 powerful reasons to consider your tax strategy for the current tax year:

1. Plan whether to gift assets this year
2. Create a strategy for disposing of assets
3. Potentially benefit from an additional year of interest or growth
4. Avoid last-minute stress as the end of the tax year approaches

Read our blog, linked below, to find out more.

https://keithroseburgh.co.uk/powerful-reasons-to-plan-how-to-use-your-2026-27-allowances-and-exemptions-now/

09/06/2026

5 practical tips that could support your long-term finances during a career break:

1. Assess the potential impact
2. Consider your National Insurance record
3. Continue to make pension contributions during a career break
4. Make pension contributions from your partner’s salary
5. Make higher pension contributions when you return to work

Read our blog, linked below, to learn more.

https://keithroseburgh.co.uk/how-to-take-a-career-break-and-keep-your-pension-on-track/

08/06/2026

Is lifestyle inflation impeding your ability to reach your goals?

Although it's normal to make changes to your lifestyle as your finances improve, it's important to look at what your additional spending is going on and ask: is it making you happier?

Being aware of lifestyle inflation could help you support your future as well as your present. Read our blog, linked below, to spot the warning signs.

https://keithroseburgh.co.uk/how-to-manage-lifestyle-inflation-to-keep-your-long-term-goals-on-track/

02/06/2026

Mistakes, financial or otherwise, are a part of life, and it's normal to make them from time to time.

But holding onto mistakes and letting them dictate the decisions you make now could cause problems.

For example, feeling embarrassed about a financial mistake could lead you to avoid engaging with your finances for fear of repeating it.

If financial mistakes are affecting your confidence, click the link below to discover 5 ways to emotionally recover.

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

Address

33 Thornyhall
Dalkeith
EH222ND

Website

http://www.keithroseburgh.co.uk/

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