F H Manning Financial Services Ltd

24/07/2026

If you find our posts helpful, we'd love you to follow our page. 😊

At F H Manning Financial Services, we regularly share straightforward guidance on topics including:

✔ Retirement planning
✔ Pensions
✔ Protecting your family
✔ Financial scams
✔ Business owners' finances
✔ Later life planning
✔ Practical tips to help you make informed financial decisions

No jargon. No scare stories. Just clear, helpful information designed to give you confidence about your financial future.

If that sounds useful, simply click Follow and you'll see our latest tips, videos and updates in your feed.

And if you know someone who might benefit too, please feel free to share our page with them.

Thank you for your continued support—it really does mean a lot to our team.

22/07/2026

Pensions. Investments. Tax planning. They're all important.

But understanding you is where great advice begins.

Every family has different goals, worries and dreams. That's why no two financial plans should ever look the same.

What's your biggest financial question right now?

21/07/2026

Have you ever looked at your bank statement and wondered, "Where did all my money go?"

Most of us don't overspend because we're reckless. We overspend because we're busy. A coffee here. An online purchase there. Another subscription we forgot we had.

The problem isn't always how much we spend – it's whether our spending reflects what really matters to us. Before making your next purchase, ask yourself one simple question:

"Will this bring me lasting value, or just a moment of satisfaction?"

When your spending aligns with your priorities – whether that's family, experiences, financial security or retirement – your money starts working harder for you.

Find out more in our latest blog:

As the school holidays slow life down, Claire Markham of FH Manning asks whether your summer spending matches what actually matters to you.

20/07/2026

Retirement isn't about your pension. It's about your lifestyle.

The first question people ask is usually:

"How much do I need to retire?"

A better question might be:

"What do I want retirement to look like?"

Travel? Family? Hobbies? Part-time work?

Your retirement plan should be built around your life, not just your pension pot.

🎯 Try our free 'Are You Ready for Retirement?' quiz. Comment RETIRE and we'll send you the link.

17/07/2026

One of the kindest things you can do for your family. Make things easy to find.

After bereavement, one of the biggest challenges families face isn't usually money. It's paperwork. Where are the pensions? Is there a Will? Who knows about the investments? Has anyone got a Lasting Power of Attorney?

These conversations aren't always easy. But avoiding them rarely makes things easier. Sometimes good financial planning isn't about growing wealth. It's about reducing stress for the people we love.

Having a local IFA, who your loved ones know and trust to support them, can give a family so much clarity. If you don't know one already , check out the VouchedFor directory and find your local Top rated Adviser.

16/07/2026

If you own a business, have you thought about this?

One day you'll leave your business. Retirement. Selling up. Passing it on. Or perhaps circumstances simply change unexpectedly.

The question is will it happen on your terms?

Many business owners spend years planning for growth. Far fewer spend time planning for the day they step away. Some useful questions to ask yourself:

• Could the business continue without you?

• Is your retirement dependent on selling the business?

• Do your family know your plans?

• If you have business partners, what would happen if one of you became seriously ill?

These aren't always easy conversations. But they are some of the most important.

Our Business Protection video guides explain some of the options available. If you'd like free access to understand more send us a message.

15/07/2026

Will technology replace financial advisers?

It's a question we're hearing more often. Technology can do some incredible things. It can calculate tax. Compare investments. Explain pension rules.

What it can't do is understand your worries about retirement. Or your hopes for your children. Or how you'd feel if markets fell just before you stopped work.

Financial planning is technical. Financial advice is personal. The future isn't people or technology. It's people and technology working together to help make better decisions.
And that's something we're quite excited about.

What do you think?

14/07/2026

A recent client conversation reminded me of something important.

Protection planning isn't really about money.

It's about options.

If illness or injury stopped you working tomorrow, what would happen?

Would you need to use savings?

Could your family maintain their lifestyle?

Would your business continue without you?

Good protection gives families choices at difficult times.

It can never remove the problem.

But it can remove some of the financial pressure that comes with it.

We have a free video series explaining the different types of protection available, including life cover, critical illness and income protection.

Just send us a message if you'd like access.

13/07/2026

When people think about retirement, one question usually comes up first:

**"How much money do I need?"**

It's an important question. But perhaps not the most important one.

A better place to start is:

**"What do I want retirement to look like?"**

Travel?
Helping grandchildren?
A few days of work each week?
Moving house?
New hobbies?

The answers to those questions often shape the financial plan far more than the pension value itself.

Retirement isn't really about numbers. It's about choices.

If you're approaching retirement and wondering whether your plans are on track, our **Are You Ready For Retirement?** quiz is a great place to start.

Comment below if you'd like the link.

01/07/2026

I reviewed something recently that raised immediate concerns.

At first glance, everything looked credible.

Professional email.
Smart branding.
Confident language.

But something felt… off.

That instinct matters.

Financial scams are becoming more sophisticated.

Increasingly they use:

AI-generated images
cloned branding
fake credentials
pressure tactics
emotionally persuasive messaging

The danger isn’t obvious fraud.

The danger is believable fraud.

A simple rule I encourage clients to follow:

Before sending money or personal data, pause and ask:

Have I independently verified this?
Is the email domain legitimate?
Am I being pressured to act quickly?
Have I spoken to someone I trust?

Fraudsters thrive on urgency. Good decisions usually survive scrutiny. Take the extra five minutes. It could save a great deal.

And if you want more information you can register for a free boxset on Scam Awareness

https://www.moneyalive.io/forms/65c10479ee594