Reid Financial Planning

Reid Financial Planning Helping clients with advice on mortgages, protection, investments and retirement planning

Helping you achieve financial freedom through expert advice on mortgages, protection, wealth creation and retirement planning

๐Ÿ๐ŸŽ ๐๐š๐ฒ๐ฌ ๐ญ๐จ ๐ ๐จ ๐ฎ๐ง๐ญ๐ข๐ฅ ๐ญ๐ก๐ž ๐ญ๐š๐ฑ ๐ฒ๐ž๐š๐ซ ๐ž๐ง๐๐ฌ.That means 20 days left to make the most of this yearโ€™s allowances before they res...
16/03/2026

๐Ÿ๐ŸŽ ๐๐š๐ฒ๐ฌ ๐ญ๐จ ๐ ๐จ ๐ฎ๐ง๐ญ๐ข๐ฅ ๐ญ๐ก๐ž ๐ญ๐š๐ฑ ๐ฒ๐ž๐š๐ซ ๐ž๐ง๐๐ฌ.

That means 20 days left to make the most of this yearโ€™s allowances before they reset.

โ–ช ISA allowance.
โ–ช Pension contributions.
โ–ช Capital gains allowance.

Once the deadline passes, that opportunity is gone.

It doesnโ€™t take long to check where you stand - but leaving it too late can mean missing out.

๐Ÿ‘๐ŸŽ ๐ƒ๐š๐ฒ๐ฌ ๐ญ๐จ ๐“๐š๐ฑ ๐˜๐ž๐š๐ซ ๐„๐ง๐As we approach the end of the tax year, it's important to review your financial plans and make th...
06/03/2026

๐Ÿ‘๐ŸŽ ๐ƒ๐š๐ฒ๐ฌ ๐ญ๐จ ๐“๐š๐ฑ ๐˜๐ž๐š๐ซ ๐„๐ง๐
As we approach the end of the tax year, it's important to review your financial plans and make the most of your allowances before they reset.

Consider the following:
โ–ช Maximize Your Allowances: Ensure you're fully utilizing your ISA and pension contributions.
โ–ช Review Your Investments: Assess your portfolio for any necessary adjustments.
โ–ช Tax Efficiency: Explore tax-efficient strategies to potentially save money.
โ–ช Plan Ahead: Consider any changes in your circumstances as you prepare for the new tax year.

๐”๐ฌ๐ž ๐ข๐ญ ๐จ๐ซ ๐ฅ๐จ๐ฌ๐ž ๐ข๐ญThe tax year ends on 5 April - and with it go this yearโ€™s allowances.โ–ช๏ธYour ISA allowance.โ–ช๏ธYour pensio...
25/02/2026

๐”๐ฌ๐ž ๐ข๐ญ ๐จ๐ซ ๐ฅ๐จ๐ฌ๐ž ๐ข๐ญ

The tax year ends on 5 April - and with it go this yearโ€™s allowances.

โ–ช๏ธYour ISA allowance.
โ–ช๏ธYour pension allowance.
โ–ช๏ธYour capital gains allowance.

Once the deadline passes, theyโ€™re gone.

A quick check now to utilise these tax-efficient allowances could make a real difference.

I thought it would be useful to share a recent client story as a way of showing what financial advisers ๐˜ข๐˜ค๐˜ต๐˜ถ๐˜ข๐˜ญ๐˜ญ๐˜บ do.One ...
17/02/2026

I thought it would be useful to share a recent client story as a way of showing what financial advisers ๐˜ข๐˜ค๐˜ต๐˜ถ๐˜ข๐˜ญ๐˜ญ๐˜บ do.

One of the best parts of my job is helping people realise they have more options than they thought.

A client came to me a couple of years ago to discuss their retirement options. Theyโ€™d built up a few pensions over the years but didnโ€™t really know what it all meant in terms of how much they had, how it was invested, and how much they could afford to live off.

They just assumed theyโ€™d need to work until at least 67 - for the state pension.

After reviewing everything and putting a clear plan in place, it became obvious they could afford to retire a few years earlier and still live comfortably.

What they really wanted wasnโ€™t anything extravagant. They wanted to travel more, enjoy longer trips with their wife, and spend proper time with their grandchildren while theyโ€™re still young.

Yesterday we carried out the annual review and it was great to hear how much they have enjoyed retirement - all without the worry they used to have about whether they could afford it.

Itโ€™s easy to assume you just have to keep working and hope for the best. Sometimes, having a clear plan makes all the difference.

Recently received this lovely review from clients who bought their first home in London ๐ŸกFirst-time buyers in London fac...
12/02/2026

Recently received this lovely review from clients who bought their first home in London ๐Ÿก

First-time buyers in London face high prices and a competitive market.
Helping these clients secure their first property meant guiding them through every step of the mortgage process, explaining their options clearly, and making sure they felt confident along the way.

Itโ€™s always rewarding to know that being there step by step made the process smoother for them.

With over 300,000 first-time buyers expected to step onto the property ladder in the UK this year, it's set to be another busy year!

Really appreciate feedback like this. Helping clients clearly understand their options and feel confident in the decisio...
29/01/2026

Really appreciate feedback like this. Helping clients clearly understand their options and feel confident in the decisions theyโ€™re making is what matters most ๐Ÿ˜€

๐“๐ก๐ž ๐๐š๐ง๐ค ๐จ๐Ÿ ๐„๐ง๐ ๐ฅ๐š๐ง๐ ๐ก๐š๐ฌ ๐š๐ง๐ง๐จ๐ฎ๐ง๐œ๐ž๐ ๐ญ๐จ๐๐š๐ฒ ๐ญ๐ก๐š๐ญ ๐ญ๐ก๐ž ๐›๐š๐ฌ๐ž ๐ซ๐š๐ญ๐ž ๐ฐ๐ข๐ฅ๐ฅ ๐ซ๐ž๐ฆ๐š๐ข๐ง ๐ฎ๐ง๐œ๐ก๐š๐ง๐ ๐ž๐ ๐š๐ญ ๐Ÿ‘.๐Ÿ•๐Ÿ“%.For mortgage borrowers, this d...
29/01/2026

๐“๐ก๐ž ๐๐š๐ง๐ค ๐จ๐Ÿ ๐„๐ง๐ ๐ฅ๐š๐ง๐ ๐ก๐š๐ฌ ๐š๐ง๐ง๐จ๐ฎ๐ง๐œ๐ž๐ ๐ญ๐จ๐๐š๐ฒ ๐ญ๐ก๐š๐ญ ๐ญ๐ก๐ž ๐›๐š๐ฌ๐ž ๐ซ๐š๐ญ๐ž ๐ฐ๐ข๐ฅ๐ฅ ๐ซ๐ž๐ฆ๐š๐ข๐ง ๐ฎ๐ง๐œ๐ก๐š๐ง๐ ๐ž๐ ๐š๐ญ ๐Ÿ‘.๐Ÿ•๐Ÿ“%.

For mortgage borrowers, this decision brings a welcome sense of stability after a period of frequent rate changes. If youโ€™re on a variable or tracker mortgage, your payments will stay the same for now, while those approaching a fixed-rate deal may find this pause helpful when planning their next move.

From an investment perspective, holding rates can offer some breathing space for markets. Cash and fixed-interest returns remain likely remain unchanged, while longer-term investors should continue to focus on diversification and aligning portfolios with their goals rather than short-term headlines.

As always, everyoneโ€™s situation is different. Whether youโ€™re reviewing your mortgage, considering a remortgage, or wondering how interest rates affect your investments, tailored advice can make a real difference.

๐‡๐จ๐ฐ ๐ญ๐จ ๐š๐ฏ๐จ๐ข๐ ๐ข๐ง๐ก๐ž๐ซ๐ข๐ญ๐š๐ง๐œ๐ž ๐ญ๐š๐ฑ ๐ญ๐ซ๐š๐ฉ๐ฌ ๐Ÿ‘‡ Leaving a decent inheritance for your loved ones can be life changing. But navigati...
22/01/2026

๐‡๐จ๐ฐ ๐ญ๐จ ๐š๐ฏ๐จ๐ข๐ ๐ข๐ง๐ก๐ž๐ซ๐ข๐ญ๐š๐ง๐œ๐ž ๐ญ๐š๐ฑ ๐ญ๐ซ๐š๐ฉ๐ฌ ๐Ÿ‘‡

Leaving a decent inheritance for your loved ones can be life changing. But navigating inheritance tax rules and estate planning is often tricky. Here are five inheritance tax traps to avoid, so you can leave more of your wealth to your family.
Link in comments.

๐“๐จ๐ฉ ๐ญ๐š๐ฑ ๐ญ๐ข๐ฉ๐ฌ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐ฒ๐ž๐š๐ซ ๐š๐ก๐ž๐š๐Changes to tax regulations can have a domino effect on your finances, including your tax ...
13/01/2026

๐“๐จ๐ฉ ๐ญ๐š๐ฑ ๐ญ๐ข๐ฉ๐ฌ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐ฒ๐ž๐š๐ซ ๐š๐ก๐ž๐š๐

Changes to tax regulations can have a domino effect on your finances, including your tax bill.

As we enter 2026, itโ€™s time to triple check that youโ€™re aware of how any changes may affect you.

The below tax checklist gives you top tax tips for the year ahead.

Link in comments ๐Ÿ‘‡

๐’๐š๐ฅ๐š๐ซ๐ฒ ๐ฌ๐š๐œ๐ซ๐ข๐Ÿ๐ข๐œ๐ž ๐ญ๐š๐ฑ ๐›๐ซ๐ž๐š๐ค ๐จ๐ง ๐ฐ๐จ๐ซ๐ค๐ฉ๐ฅ๐š๐œ๐ž ๐ฉ๐ž๐ง๐ฌ๐ข๐จ๐ง๐ฌ ๐œ๐ฎ๐ญ ๐ญ๐จ ยฃ๐Ÿ,๐ŸŽ๐ŸŽ๐ŸŽThe Chancellor has announced a cap on the amount that can ...
03/12/2025

๐’๐š๐ฅ๐š๐ซ๐ฒ ๐ฌ๐š๐œ๐ซ๐ข๐Ÿ๐ข๐œ๐ž ๐ญ๐š๐ฑ ๐›๐ซ๐ž๐š๐ค ๐จ๐ง ๐ฐ๐จ๐ซ๐ค๐ฉ๐ฅ๐š๐œ๐ž ๐ฉ๐ž๐ง๐ฌ๐ข๐จ๐ง๐ฌ ๐œ๐ฎ๐ญ ๐ญ๐จ ยฃ๐Ÿ,๐ŸŽ๐ŸŽ๐ŸŽ

The Chancellor has announced a cap on the amount that can be shielded from employer and employee National Insurance contributions (NICs) when paying into a workplace pension using salary sacrifice. The change was widely expected in the Autumn Budget โ€“ we explain how the changes could affect you. ๐Ÿ‘‡

๐‚๐ก๐š๐ง๐œ๐ž๐ฅ๐ฅ๐จ๐ซ ๐œ๐ฎ๐ญ๐ฌ ๐œ๐š๐ฌ๐ก ๐ˆ๐’๐€ ๐ฅ๐ข๐ฆ๐ข๐ญ ๐ญ๐จ ๐ฉ๐ซ๐จ๐ฆ๐จ๐ญ๐ž ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญโ–ช๏ธ The overall ISA allowance will remain at ยฃ20,000, but the cash IS...
01/12/2025

๐‚๐ก๐š๐ง๐œ๐ž๐ฅ๐ฅ๐จ๐ซ ๐œ๐ฎ๐ญ๐ฌ ๐œ๐š๐ฌ๐ก ๐ˆ๐’๐€ ๐ฅ๐ข๐ฆ๐ข๐ญ ๐ญ๐จ ๐ฉ๐ซ๐จ๐ฆ๐จ๐ญ๐ž ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ

โ–ช๏ธ The overall ISA allowance will remain at ยฃ20,000, but the cash ISA allowance will be reduced to ยฃ12,000
โ–ช๏ธ The change is aimed at driving investment in UK equities
โ–ช๏ธ The cut in the cash ISA allowance will only apply to the under-65s. It will remain at ยฃ20,000 for those aged over 65

Read more in the link in comments๐Ÿ‘‡

Address

168 West George Street
Glasgow
G22NR

Telephone

+447889826241

Website

https://calendly.com/jonny-reid

Alerts

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

Contact The Business

Send a message to Reid Financial Planning:

Shortcuts

Share

Category