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Pivotal Financial Planning Pivotal Financial Planning is an all-encompassing nationwide service to help you with a wide range of financial services.

Approver Quilter Financial Services Ltd April 2026

๐˜๐จ๐ฎ๐ซ ๐‹๐ข๐Ÿ๐ž ๐‚๐ก๐š๐ง๐ ๐ž๐ฌ. ๐Œ๐š๐ค๐ž ๐’๐ฎ๐ซ๐ž ๐˜๐จ๐ฎ๐ซ ๐๐ž๐ง๐ฌ๐ข๐จ๐ง ๐ƒ๐จ๐ž๐ฌ ๐“๐จ๐จ.Think about how life evolves.In your 20s and 30s, you might be more a...
19/10/2026

๐˜๐จ๐ฎ๐ซ ๐‹๐ข๐Ÿ๐ž ๐‚๐ก๐š๐ง๐ ๐ž๐ฌ. ๐Œ๐š๐ค๐ž ๐’๐ฎ๐ซ๐ž ๐˜๐จ๐ฎ๐ซ ๐๐ž๐ง๐ฌ๐ข๐จ๐ง ๐ƒ๐จ๐ž๐ฌ ๐“๐จ๐จ.

Think about how life evolves.

In your 20s and 30s, you might be more adventurous, building your career, enjoying new experiences and looking ahead to the future.

In your 40s and 50s, priorities often shift. Children, mortgage commitments and planning for the years ahead can mean taking a more balanced approach to your finances.

As retirement approaches and you move into your 60s and beyond, your focus may turn towards protecting the retirement income you've built, while making sure your money can continue to support you.

Your retirement pot should reflect your aspirations, your financial goals and your ๐€๐ญ๐ญ๐ข๐ญ๐ฎ๐๐ž ๐ญ๐จ ๐‘๐ข๐ฌ๐ค, i.e. how comfortable you are with investment fluctuations?

But here's something worth thinking aboutโ€ฆ

๐–๐ก๐š๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐จ๐ฅ๐ ๐จ๐ซ ๐Ÿ๐จ๐ซ๐ ๐จ๐ญ๐ญ๐ž๐ง ๐ฉ๐ž๐ง๐ฌ๐ข๐จ๐ง๐ฌ?

Could they still be invested in a way that suited the person you were 20 years ago, rather than the person you are today?

Thereโ€™s no magic age when you should become more cautious, and no single investment strategy that suits everyone. What matters is making sure your pensions are still appropriate for you.

Your pension should work for the life you're living today โ€” and the future you're planning.

There is no time like now to review your pensions and your attitude to risk!

Get in touch and letโ€™s take a closer look.

Approver Quilter Financial Services Limited October 2026

๐ƒ๐Ž๐โ€™๐“ ๐‹๐„๐“ ๐˜๐Ž๐”๐‘ ๐๐„๐๐’๐ˆ๐Ž๐ ๐‚๐Ž๐€๐’๐“ ๐ˆ๐๐“๐Ž ๐‘๐„๐“๐ˆ๐‘๐„๐Œ๐„๐๐“.๐Œ๐š๐ค๐ž ๐ฌ๐ฎ๐ซ๐ž ๐ข๐ญโ€™๐ฌ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐ฐ๐จ๐ซ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ.Itโ€™s surprisingly easy to leave a pens...
06/10/2026

๐ƒ๐Ž๐โ€™๐“ ๐‹๐„๐“ ๐˜๐Ž๐”๐‘ ๐๐„๐๐’๐ˆ๐Ž๐ ๐‚๐Ž๐€๐’๐“ ๐ˆ๐๐“๐Ž ๐‘๐„๐“๐ˆ๐‘๐„๐Œ๐„๐๐“.
๐Œ๐š๐ค๐ž ๐ฌ๐ฎ๐ซ๐ž ๐ข๐ญโ€™๐ฌ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐ฐ๐จ๐ซ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐ฒ๐จ๐ฎ.

Itโ€™s surprisingly easy to leave a pension behind when you change jobs โ€” and simply assume it will look after itself.

But an old pension could have:

- Charges that are higher than necessary

- Investments that no longer reflect your attitude to risk

- Funds that haven't been reviewed for years

- Poor value compared with newer alternatives

- Features or restrictions you may not even realise you're paying for

And the numbers can be significant.

There are an estimated ๐Ÿ‘.๐Ÿ‘ ๐ฆ๐ข๐ฅ๐ฅ๐ข๐จ๐ง ๐ฅ๐จ๐ฌ๐ญ ๐ฉ๐ž๐ง๐ฌ๐ข๐จ๐ง ๐ฉ๐จ๐ญ๐ฌ ๐ข๐ง ๐ญ๐ก๐ž ๐”๐Š, ๐ฐ๐จ๐ซ๐ญ๐ก ๐š๐ซ๐จ๐ฎ๐ง๐ ยฃ๐Ÿ‘๐Ÿ.๐Ÿ ๐›๐ข๐ฅ๐ฅ๐ข๐จ๐ง.

The Financial Conduct Authority (FCA) also reported in 2026 that some legacy pension products may provide poorer value because of older product design and complex charging structures.

And in an FCA/DWP/TPR illustration, a ยฃ10,000 pension growing in a poor-performing scheme could reach around ยฃ10,400 over five years, compared with ยฃ15,100 in a high-performing one. ๐“๐ก๐š๐ญ'๐ฌ ๐š ๐Ÿ’๐Ÿ”% ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž.

That doesn't mean every old pension is bad โ€” far from it. But it does mean your pensions are worth reviewing. Because the pension you forgot about today could be funding your lifestyle tomorrow.

๐ƒ๐จ๐ง'๐ญ ๐ฅ๐ž๐š๐ฏ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ซ๐ž๐ญ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ ๐ญ๐จ ๐œ๐ก๐š๐ง๐œ๐ž. ๐‘๐ž๐ฏ๐ข๐ž๐ฐ ๐ฐ๐ก๐š๐ญ ๐ฒ๐จ๐ฎ'๐ฏ๐ž ๐š๐ฅ๐ซ๐ž๐š๐๐ฒ ๐›๐ฎ๐ข๐ฅ๐ญ.

Get in touch to have a chat about your old pensions.

Approver Quilter Financial Services Limited October 2026

Sources:

https://www.fca.org.uk/news/press-releases/pension-firms-must-do-more-customers-older-pensions-fund-savings
https://www.fca.org.uk/news/press-releases/pension-value-be-put-under-spotlight
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1168816/analysing-the-impact-of-private-pension-measures-on-member-outcomes.pdf
https://www.fca.org.uk/news/press-releases/defined-contribution-workplace-pensions-audit-charges-and-benefits-legacy

How much attention do you really pay to your pension?Your pension could be one of the most important financial assets yo...
28/09/2026

How much attention do you really pay to your pension?

Your pension could be one of the most important financial assets you have โ€” but when was the last time you actually checked how it's doing?

Research from Standard Life suggests that as much as 65% of the final value of a pension could come from investment growth*.

That makes understanding where your pension is invested, what you're paying in charges and whether it still matches your retirement plans pretty important.
And there's another question worth asking:

What sort of retirement are you actually working towards?

We've put together six things worth checking โ€” from investment risk and charges to your retirement age and how much you might actually need.

๐Ÿ‘‰ Read the full article:
https://pivotalhome.co.uk/is-your-pension-still-right-for-you-6-things-to-check/

*Source: https://www.standardlife.co.uk/articles/article-page/pension-compound-growth

The value of investments can fall as well as rise and you may not get back the amount originally invested. Tax treatment depends on individual circumstances and may be subject to change.

Approver Quilter Financial Services Limited September 2026.

โ€œ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐œ๐ž? ๐“๐ก๐š๐ญโ€™๐ฌ ๐Ÿ๐จ๐ซ ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž ๐ฐ๐ข๐ญ๐ก ๐ฆ๐ข๐ฅ๐ฅ๐ข๐จ๐ง๐ฌ, ๐ข๐ฌ๐งโ€™๐ญ ๐ข๐ญ?โ€A common myth is that you only need a financial adviser if...
21/09/2026

โ€œ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐œ๐ž? ๐“๐ก๐š๐ญโ€™๐ฌ ๐Ÿ๐จ๐ซ ๐ฉ๐ž๐จ๐ฉ๐ฅ๐ž ๐ฐ๐ข๐ญ๐ก ๐ฆ๐ข๐ฅ๐ฅ๐ข๐จ๐ง๐ฌ, ๐ข๐ฌ๐งโ€™๐ญ ๐ข๐ญ?โ€

A common myth is that you only need a financial adviser if you have lots of money to invest. But financial advice isnโ€™t just about managing wealth.

Itโ€™s about protecting what you have, planning for whatโ€™s ahead and making the most of the money youโ€™ve worked hard for.

๐€ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐ฌ๐ž๐ซ ๐œ๐จ๐ฎ๐ฅ๐ ๐ก๐ž๐ฅ๐ฉ ๐ฒ๐จ๐ฎ ๐ข๐Ÿ:

โ†’ You have a family and want to make sure theyโ€™re financially protected if you canโ€™t work, are made redundant or die.
โ†’ You own your home or have other assets and want to make sure they go to the people you care about.
โ†’ You have savings or investments and want to make sure theyโ€™re in the right place and working as hard as they could be.
โ†’ Youโ€™re thinking about retirement and want to know whether youโ€™re on track for the lifestyle youโ€™d like.
โ†’ You want to get your affairs in order with a Will, Power of Attorney or Trust, and make sure your estate is structured with tax in mind.
โ†’ You simply want to make the most of what youโ€™ve worked hard for.

And with changes to pensions coming into effect in April, are you fully aware of what they could mean for you, your retirement plans and the people you want to leave your money to?

It could be worth taking advice now, rather than finding out later.
Because financial advice isnโ€™t just for people with millions.
Itโ€™s for people with plans, families, futures and things worth protecting.

๐†๐ž๐ญ ๐ข๐ง ๐ญ๐จ๐ฎ๐œ๐ก ๐Ÿ๐จ๐ซ ๐š ๐Ÿ๐ซ๐ž๐ž ๐ข๐ง๐ข๐ญ๐ข๐š๐ฅ ๐œ๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ญ๐ข๐จ๐ง. ๐๐จ ๐ฉ๐ซ๐ž๐ฌ๐ฌ๐ฎ๐ซ๐ž, ๐ฃ๐ฎ๐ฌ๐ญ ๐š ๐œ๐จ๐ง๐ฏ๐ž๐ซ๐ฌ๐š๐ญ๐ข๐จ๐ง ๐š๐›๐จ๐ฎ๐ญ ๐ฐ๐ก๐ž๐ซ๐ž ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž ๐š๐ง๐ ๐ฐ๐ก๐ž๐ซ๐ž ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐จ ๐›๐ž.


Approver Quilter Financial Services Limited September 2026.

๐–๐ก๐š๐ญ ๐๐จ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ฏ๐š๐ฅ๐ฎ๐ž ๐š๐›๐จ๐ฎ๐ญ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐œ๐ž?I could probably count on one hand the number of clients who care ...
15/09/2026

๐–๐ก๐š๐ญ ๐๐จ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ฏ๐š๐ฅ๐ฎ๐ž ๐š๐›๐จ๐ฎ๐ญ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐š๐๐ฏ๐ข๐œ๐ž?

I could probably count on one hand the number of clients who care solely about investment growth. Of course they want their money to grow. That's important. It's one of the main reasons we're working together in the first place.

But ask them what they really value about having an adviser, and the answer is much broader.

It's being able to send a WhatsApp with a question and know youโ€™ll get a quick reply.

It's having someone who knows your circumstances and can help when life throws you a curveball.

It's spotting a tax problem before it becomes an expensive one.

It's planning ahead rather than reacting when something happens.

It's finding a solution when the obvious answer isn't necessarily the right one.

It's thinking differently. Joining the dots. Looking at the bigger picture. And, ultimately, knowing that someone you trust is helping make sure you and your family are financially prepared for whatever comes next.

๐“๐ก๐š๐ญ'๐ฌ ๐ญ๐ก๐ž ๐ซ๐ž๐š๐ฅ ๐ฏ๐š๐ฅ๐ฎ๐ž ๐จ๐Ÿ ๐š๐๐ฏ๐ข๐œ๐ž.

Investment performance matters. But it's only one part of the story. And perhaps that's why the best financial advice isn't really about investments at all.

It's about ๐ž๐ฏ๐ž๐ซ๐ฒ๐ญ๐ก๐ข๐ง๐  ๐š๐ซ๐จ๐ฎ๐ง๐ ๐ญ๐ก๐ž๐ฆ.

Sources:
https://www.fca.org.uk/publications/research-notes/bridging-advice-gap-estimating-relationship
https://www.royallondon.com/about-us/media/media-centre/press-releases/archive/financial-advice-provides-47000-wealth-uplift/
https://www.vanguard.co.uk/professional/vanguard-365/client-relationships/articulating-your-value/case-studies
https://www.vanguard.co.uk/professional/insights/how-well-do-financial-advisers-know-their-clients
https://www.royallondon.com/about-us/media/Media-Centre/press-releases/press-releases-2025/november/Clients-increasingly-value-advice-amidst-budget-speculation-and-market-uncertainty/

Approver Quilter Financial Services September 2026

๐“๐ก๐ž ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐†๐ซ๐ž๐š๐ญ ๐€๐๐ฏ๐ข๐œ๐ž ๐Œ๐š๐ค๐ž๐ฌGreat financial planning is about more than recommendations and reports. It's about bui...
11/09/2026

๐“๐ก๐ž ๐ƒ๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐œ๐ž ๐†๐ซ๐ž๐š๐ญ ๐€๐๐ฏ๐ข๐œ๐ž ๐Œ๐š๐ค๐ž๐ฌ

Great financial planning is about more than recommendations and reports. It's about building trusted relationships, providing reassurance during challenging times, and being there when clients need support most. That's why we're delighted to see Jordan recognised by a client on VouchedFor for his commitment, communication and dedication throughout their financial planning journey.

"๐‡๐ž ๐ก๐š๐ฌ ๐ค๐ž๐ฉ๐ญ ๐ข๐ง ๐ซ๐ž๐ ๐ฎ๐ฅ๐š๐ซ ๐œ๐จ๐ง๐ญ๐š๐œ๐ญ ๐š๐ง๐ ๐จ๐Ÿ๐ญ๐ž๐ง ๐ฐ๐ž๐ง๐ญ ๐š๐›๐จ๐ฏ๐ž ๐š๐ง๐ ๐›๐ž๐ฒ๐จ๐ง๐ ๐ข๐ง ๐ญ๐ก๐ž ๐ฐ๐จ๐ซ๐ค ๐ก๐ž ๐œ๐š๐ซ๐ซ๐ข๐ž๐ ๐จ๐ฎ๐ญ."

At Pivotal Financial Planning, we believe the best outcomes come from truly understanding our clients' circumstances and supporting them every step of the way. Feedback like this reflects the high standards of service and client care that Jordan and the wider team strive to deliver every day.

Thank you for your kind words and for placing your trust in Jordan Mushet - Financial Adviser and Pivotal Financial Planning.

๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐œ๐š๐ฌ๐ก ๐ฐ๐จ๐ซ๐ค๐ข๐ง๐  ๐š๐ฌ ๐ก๐š๐ซ๐ ๐š๐ฌ ๐ข๐ญ ๐œ๐จ๐ฎ๐ฅ๐?You might have ยฃ20,000, ยฃ50,000 or more sitting in a bank account, earning inte...
07/09/2026

๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐œ๐š๐ฌ๐ก ๐ฐ๐จ๐ซ๐ค๐ข๐ง๐  ๐š๐ฌ ๐ก๐š๐ซ๐ ๐š๐ฌ ๐ข๐ญ ๐œ๐จ๐ฎ๐ฅ๐?

You might have ยฃ20,000, ยฃ50,000 or more sitting in a bank account, earning interest. But, when was the last time you checked the rate?

There are savings solutions that can give you access to ๐œ๐จ๐ฆ๐ฉ๐ž๐ญ๐ข๐ญ๐ข๐ฏ๐ž ๐ซ๐š๐ญ๐ž๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐š ๐ซ๐š๐ง๐ ๐ž ๐จ๐Ÿ ๐›๐š๐ง๐ค๐ฌ, without having to spend your time constantly shopping around.

Your money stays in cash โ€” you could simply be making it work harder. Currently, an easy access account is generating up to 3.95% interest, and there are lots of accounts to choose from, with one easy application. And importantly, ๐ž๐ฅ๐ข๐ ๐ข๐›๐ฅ๐ž ๐ฌ๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐ฐ๐ข๐ญ๐ก ๐”๐Š-๐š๐ฎ๐ญ๐ก๐จ๐ซ๐ข๐ฌ๐ž๐ ๐›๐š๐ง๐ค๐ฌ ๐œ๐š๐ง ๐›๐ž๐ง๐ž๐Ÿ๐ข๐ญ ๐Ÿ๐ซ๐จ๐ฆ ๐…๐’๐‚๐’ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐จ๐ง ๐จ๐Ÿ ๐ฎ๐ฉ ๐ญ๐จ ยฃ๐Ÿ๐Ÿ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ฉ๐ž๐ซ ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง, ๐ฉ๐ž๐ซ ๐š๐ฎ๐ญ๐ก๐จ๐ซ๐ข๐ฌ๐ž๐ ๐Ÿ๐ข๐ซ๐ฆ.

๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ'๐ฏ๐ž ๐ ๐จ๐ญ ๐ฌ๐ข๐ ๐ง๐ข๐Ÿ๐ข๐œ๐š๐ง๐ญ ๐ฌ๐š๐ฏ๐ข๐ง๐ ๐ฌ ๐ฌ๐ข๐ญ๐ญ๐ข๐ง๐  ๐ข๐ง ๐ญ๐ก๐ž ๐›๐š๐ง๐ค, ๐ข๐ญ ๐œ๐จ๐ฎ๐ฅ๐ ๐›๐ž ๐ฐ๐จ๐ซ๐ญ๐ก ๐š ๐œ๐จ๐ง๐ฏ๐ž๐ซ๐ฌ๐š๐ญ๐ข๐จ๐ง.

We can help you understand your options and find a solution that's right for you.

๐˜๐จ๐ฎ๐ซ ๐ฆ๐จ๐ง๐ž๐ฒ ๐ฐ๐จ๐ซ๐ค๐ž๐ ๐ก๐š๐ซ๐ ๐ญ๐จ ๐ ๐ž๐ญ ๐ญ๐ก๐ž๐ซ๐ž. ๐‹๐ž๐ญโ€™๐ฌ ๐ฐ๐จ๐ซ๐ค ๐ญ๐จ๐ ๐ž๐ญ๐ก๐ž๐ซ ๐ญ๐จ ๐ค๐ž๐ž๐ฉ ๐ข๐ญ ๐ ๐ซ๐จ๐ฐ๐ข๐ง๐ .

Approver Quilter Financial Services Limited September 2026.

๐€๐๐ฏ๐ข๐œ๐ž ๐ข๐ฌ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ - ๐ˆ๐ญ'๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐จ๐ฎ๐ญ๐œ๐จ๐ฆ๐ž๐ฌ.Everyone has to start somewhere when it comes to saving and investing....
26/08/2026

๐€๐๐ฏ๐ข๐œ๐ž ๐ข๐ฌ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ง๐ฎ๐ฆ๐›๐ž๐ซ๐ฌ - ๐ˆ๐ญ'๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐จ๐ฎ๐ญ๐œ๐จ๐ฆ๐ž๐ฌ.

Everyone has to start somewhere when it comes to saving and investing. That's why we offer Quilter Invest, a straightforward way to take control of your financial future. If you need more than general guidance but aren't ready for comprehensive financial advice, Quilter Invest could be the right fit. It's often ideal for individuals and families at the beginning of their investment journey. With no advice or subscription fees, you can manage your ISA, SIPP, savings accounts and general investment accounts through a simple, easy-to-use app, anywhere in the world.

If you need somewhere to ๐ฆ๐š๐ง๐š๐ ๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ง๐ž๐ฒ, ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž and ๐ฆ๐š๐ค๐ž ๐ข๐ง๐Ÿ๐จ๐ซ๐ฆ๐ž๐ ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง๐ฌ, and donโ€™t need full advice, thereโ€™s a great solution, which we can talk you through. Drop us a message and weโ€™ll help you achieve one of the lowest platform rates available (currently from 0.10% annually)*.

If your needs become more complex, we're ๐ก๐ž๐ซ๐ž ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐š๐ญ ๐ญ๐จ๐จ, because at Pivotal, itโ€™s not about how much money you have. ๐ˆ๐ญโ€™๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐ฎ๐ง๐๐ž๐ซ๐ฌ๐ญ๐š๐ง๐๐ข๐ง๐  ๐ฐ๐ก๐ž๐ซ๐ž ๐ฒ๐จ๐ฎ ๐š๐ซ๐ž, ๐ฐ๐ก๐ž๐ซ๐ž ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐จ ๐ ๐จ, ๐š๐ง๐ ๐Ÿ๐ข๐ง๐๐ข๐ง๐  ๐ญ๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐ฌ๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง ๐ญ๐จ ๐ก๐ž๐ฅ๐ฉ ๐ฒ๐จ๐ฎ ๐ ๐ž๐ญ ๐ญ๐ก๐ž๐ซ๐ž.

*Correct at time of publishing
Approver Quilter Financial Services Limited August 2026.

๐„๐ง๐๐ข๐ง๐  ๐ญ๐ก๐ž ๐ฐ๐ž๐ž๐ค ๐จ๐ง ๐š ๐ก๐ข๐ ๐ก! ๐Ÿ™Œ30 reviews.30 five-star ratings.And a whole lot of happy clients.Weโ€™re incredibly proud to s...
21/08/2026

๐„๐ง๐๐ข๐ง๐  ๐ญ๐ก๐ž ๐ฐ๐ž๐ž๐ค ๐จ๐ง ๐š ๐ก๐ข๐ ๐ก! ๐Ÿ™Œ

30 reviews.
30 five-star ratings.
And a whole lot of happy clients.

Weโ€™re incredibly proud to see Jordan reach ๐Ÿ‘๐ŸŽ ๐š๐ฅ๐ฅ-๐ญ๐ข๐ฆ๐ž ๐•๐จ๐ฎ๐œ๐ก๐ž๐๐…๐จ๐ซ ๐ซ๐ž๐ฏ๐ข๐ž๐ฐ๐ฌ โ€” ๐ž๐ฏ๐ž๐ซ๐ฒ ๐ฌ๐ข๐ง๐ ๐ฅ๐ž ๐จ๐ง๐ž ๐ซ๐š๐ญ๐ž๐ ๐Ÿ“ ๐ฌ๐ญ๐š๐ซ๐ฌ. โญโญโญโญโญ

A huge thank you to everyone who has taken the time to share their experience. It genuinely means a lot.

30 downโ€ฆ now for the next 30 Jordan Mushet - Financial Adviser?

๐‡๐ข๐ ๐ก๐ž๐ซ-๐ซ๐š๐ญ๐ž ๐ญ๐š๐ฑ๐ฉ๐š๐ฒ๐ž๐ซ? ๐˜๐จ๐ฎ ๐œ๐จ๐ฎ๐ฅ๐ ๐›๐ž ๐ฅ๐จ๐ฌ๐ข๐ง๐  ๐ญ๐ก๐จ๐ฎ๐ฌ๐š๐ง๐๐ฌ ๐ข๐ง ๐ฎ๐ง๐œ๐ฅ๐š๐ข๐ฆ๐ž๐ ๐ญ๐š๐ฑ ๐ซ๐ž๐ฅ๐ข๐ž๐ŸDuring a recent client meeting, we discovered...
20/08/2026

๐‡๐ข๐ ๐ก๐ž๐ซ-๐ซ๐š๐ญ๐ž ๐ญ๐š๐ฑ๐ฉ๐š๐ฒ๐ž๐ซ? ๐˜๐จ๐ฎ ๐œ๐จ๐ฎ๐ฅ๐ ๐›๐ž ๐ฅ๐จ๐ฌ๐ข๐ง๐  ๐ญ๐ก๐จ๐ฎ๐ฌ๐š๐ง๐๐ฌ ๐ข๐ง ๐ฎ๐ง๐œ๐ฅ๐š๐ข๐ฆ๐ž๐ ๐ญ๐š๐ฑ ๐ซ๐ž๐ฅ๐ข๐ž๐Ÿ

During a recent client meeting, we discovered that the client had been a ๐ก๐ข๐ ๐ก๐ž๐ซ-๐ซ๐š๐ญ๐ž ๐ญ๐š๐ฑ๐ฉ๐š๐ฒ๐ž๐ซ ๐Ÿ๐จ๐ซ ๐Ÿ๐ข๐ฏ๐ž ๐ฒ๐ž๐š๐ซ๐ฌ, paying into a pension throughout that time โ€” but had never completed a Self Assessment.

They were receiving the standard ๐Ÿ๐ŸŽ% ๐ฉ๐ž๐ง๐ฌ๐ข๐จ๐ง ๐ญ๐š๐ฑ ๐ซ๐ž๐ฅ๐ข๐ž๐Ÿ, but were entitled to more (๐š๐ง๐จ๐ญ๐ก๐ž๐ซ ๐Ÿ๐ŸŽ%)!

Five years of missed additional relief is a significant amount of money.

And this is the bit that worries us: ๐ก๐จ๐ฐ ๐ฆ๐š๐ง๐ฒ ๐จ๐ญ๐ก๐ž๐ซ ๐ก๐ข๐ ๐ก๐ž๐ซ-๐ซ๐š๐ญ๐ž ๐ญ๐š๐ฑ๐ฉ๐š๐ฒ๐ž๐ซ๐ฌ ๐š๐ซ๐ž ๐๐จ๐ข๐ง๐  ๐ž๐ฑ๐š๐œ๐ญ๐ฅ๐ฒ ๐ญ๐ก๐ž ๐ฌ๐š๐ฆ๐ž ๐ญ๐ก๐ข๐ง๐  ๐ฐ๐ข๐ญ๐ก๐จ๐ฎ๐ญ ๐ซ๐ž๐š๐ฅ๐ข๐ฌ๐ข๐ง๐  ๐ข๐ญ?

If youโ€™re a higher-rate taxpayer and you've never checked how much tax relief youโ€™re actually receiving, ๐ง๐จ๐ฐ ๐ข๐ฌ ๐ญ๐ก๐ž ๐ญ๐ข๐ฆ๐ž ๐ญ๐จ ๐œ๐ก๐ž๐œ๐ค.

We can review your pension, identify whether additional relief may be available and help you understand what you could potentially reclaim. The tax man could owe you ๐ฎ๐ฉ ๐ญ๐จ ยฃ๐Ÿ๐Ÿ,๐ŸŽ๐ŸŽ๐ŸŽ ๐Ÿ๐จ๐ซ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐ฒ๐ž๐š๐ซ
you have not claimed the tax relief.

=> ๐ƒ๐จ๐งโ€™๐ญ ๐š๐ฌ๐ฌ๐ฎ๐ฆ๐ž ๐ฒ๐จ๐ฎโ€™๐ซ๐ž ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐ž๐ฏ๐ž๐ซ๐ฒ๐ญ๐ก๐ข๐ง๐  ๐ฒ๐จ๐ฎ'๐ซ๐ž ๐ž๐ง๐ญ๐ข๐ญ๐ฅ๐ž๐ ๐ญ๐จ.
๐…๐ข๐ง๐ ๐จ๐ฎ๐ญ ๐›๐ฒ ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ข๐ง๐  ๐ฆ๐ž ๐๐ข๐ซ๐ž๐œ๐ญ๐ฅ๐ฒ ๐จ๐ซ ๐ฌ๐ก๐š๐ซ๐ž ๐ญ๐ก๐ข๐ฌ ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐ฐ๐ข๐ญ๐ก ๐Ÿ๐ซ๐ข๐ž๐ง๐๐ฌ.

Tax treatment depends on individual circumstances and may change. This post is for general information only and does not constitute financial advice.



Approver Quilter Financial Services Limited August 2026

Address

Pivotal Financial Planning, Centrum Office, Queen Street
Glasgow
G13DX

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+441412432475

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