Integrity365

13/05/2026

Are you or someone you know preparing to become a first-time parent?

Whilst it's an exciting new chapter to enter, becoming a parent also brings added responsibilities and a new financial dependent to plan for.

This is a journey that Independent Financial Adviser Douglas Sims DipPFS recently embarked on as a new parent. In our latest podcast episode, Doug joins Coreena Dutton FPFS to share financial considerations and important insights from their perspective as both parents and advisers.

Listen now on YouTube or Spotify - search Integrity365 or see links below!

27/04/2026

Preparing to flick the retirement switch soon?

When approaching retirement, many fear that their financial situation is suddenly going to change.

However, with careful financial planning, the retirement switch from saving to spending should not dramatically impact your lifestyle, but instead unlock the retirement goals you have worked towards throughout your life.

Chartered Financial Planner Esther Clemmey discusses in our latest article.

Read more: https://www.integrity365.co.uk/the-retirement-switch-from-saving-to-spending/

If you are approaching retirement and would like to discuss your planning arrangements, our trusted Independent Financial Advisers at Integrity365 can help - get in touch today on 01494 509 666.

20/04/2026

Why are pension annuities on the rise?

Planning your retirement income strategy is one of the most important decisions you will make in your lifetime. When it comes to taking an income from capital held within your pensions, you have a number of options: flexible access drawdown; or an annuity purchase.

Pension drawdown remains the most popular option among retirees, according to FCA data. In 2024/25, sales of drawdown policies were 349,992 compared to sales of annuities of 88,430.

However, recent market forces and regulatory changes have arguably made pension annuities more attractive and should perhaps warrant further consideration from more individuals nearing and in retirement.

High Wycombe-based Independent Financial Adviser, Douglas Sims, explains in our latest article.

Read more: https://www.integrity365.co.uk/the-rise-of-annuities-how-retirement-planning-is-changing/

If you are currently reviewing your retirement planning options and considering an annuity, our trusted Independent Financial Advisers at Integrity365 can help - get in touch today on 01494 509 666.

14/04/2026

"Temporary volatility is part of investing, not a reason to abandon the planning..."

Given the headlines and market volatility we have seen over the last month, today's market commentary draws focus on keeping perspective through geopolitical uncertainty.

In this update, Chartered Financial Planner Sophie Haslehurst discusses why these events have had a knock-on effect on markets, and why planning for the long-term future is key.

Read more at: https://www.integrity365.co.uk/market-update-march-2026/

07/04/2026

“Houston, Integrity, comms check…
It’s so great to hear from Earth again."

As the Artemis II crew head for home after travelling further from Earth than any humans ever have, they suggested naming a newly spotted lunar crater Integrity, after their Orion spacecraft.

Personally, we think it’s a stellar choice - a name that reflects trust, teamwork and the courage to go further than anyone before.

At Integrity365, we may not be orbiting the moon, but we do believe in going further for our clients, and making the complex world of financial planning a bit more down to earth.

🚀 https://www.bbc.co.uk/news/live/clyr8k06jv7t

One of the crew say they have seen "sights that no human has ever seen" after travelling beyond the far side of the Moon.

02/04/2026

Are younger generations now turning to the 'Bank of Nanny and Grandad'?

Following the boom in property and stock market prices in recent years, we are witnessing a shift from the ‘Bank of Mum and Dad’ to the ‘Bank of Nanny and Grandad’.

Whilst it has been reported that up to a third of millennial homeowners have been helped by their grandparents in purchasing a property, and this is not where the financial assistance stops.

As a grandparent, or parent, you may also be considering helping your grandchildren with their higher education costs.

In our latest article, Independent Financial Adviser Douglas Sims DipPFS discusses tax-efficient planning considerations for those looking to help grandchildren/children pay for university fees in 2026.

Read more at: https://www.integrity365.co.uk/helping-your-grandchildren-pay-for-university-in-a-tax-efficient-way/

16/03/2026

To save or to spend? Have you got a plan for this year's annual bonus?

As we enter the season of pay reviews and bonus awards, some people – perhaps for the first time – may have capital available to take positive action for their financial future with real agency.

Whilst a spending splurge can be immediately attractive – and a little indulgence is important – a lump sum bonus could be put to better, and more tax-efficient, use.

Independent Financial Adviser Sam Lane discusses some investment options and key considerations in our latest article.

Read more: https://www.integrity365.co.uk/investment-options-could-your-bonus-be-working-harder-for-you/

10/03/2026

From one newspaper job advert 30 years ago to an incredible career in financial planning…

Despite numerous proud moments within her career to date, Deborah Packer explains how her recent steps to achieve Chartered status and join Integrity365’s Board of Directors have been particularly notable.

As part of our Careers in Finance series, Debbie sits down with Russell Milkins to discuss the importance of mentorship in financial planning. Taking inspiration from this year’s International Women’s Day (8th March) theme of “Give to Gain”, Debbie shows how supporting others and investing in people pays off.

Watch the full episode now on YouTube or tune in via Spotify – linked in the comments below!

08/03/2026

Why is representation important in the financial planning industry?

This International Women’s Day, Independent Financial Advisers Esther Clemmey and Nicola Glass discuss their own career journeys and share insights for the next generation of IFAs in the latest episode of our Careers in Finance series.

In this clip, they explain how the industry has changed throughout their careers and why visibility is important. In an industry where women make up only around 18% of financial advisers, visibility and representation are vital. Showing the real career paths, role models, and opportunities within financial planning helps aspiring advisers see themselves in the profession – and gives clients greater choice when seeking financial advice.

Having pledged to the Women in Finance Charter, we are committed to continuing to be an inclusive and fair place to work, and do all we can to support career progression within the business.

Watch the full episode now on YouTube or tune in via Spotify – linked in the comments below!

Having pledged to the Women in Finance Charter, we are committed to continuing to be an inclusive and fair place to work, and to do all we can to support career progression within the business.

07/03/2026

Career advice for the next generation of IFAs…

In the latest video of our Careers in Finance series, Independent Financial Advisers Esther Clemmey and Nicola Glass share their career journeys, experiences and things they have learned along the way.

Taking inspiration from this year’s International Women’s Day (8th March) theme of ‘Give to Gain’, Esther and Nicola draw particular focus on the importance of mentorship and support in financial planning, and how they have embodied this collaborative approach themselves within Integrity365.

Watch the full episode now on YouTube or tune in via Spotify – linked in the comments below!
What would your advice be for those considering a career in financial planning?