KDS Financial Planning Ltd

19/07/2026

Have you ever wondered if you might have a pension, you’ve lost track of?

With job changes, house moves and old paperwork buried in drawers, it’s more common than many people realise.

This article explains how pensions go missing and shares simple steps to help you track down anything you might have forgotten about - from checking old records to using the government’s Pension Tracing Service.

If you’re looking to feel more organised and confident about your retirement planning, this guide is a great place to start.

👉 Read the full article to find out more. https://brnw.ch/21x4bjN

19/07/2026

The government wants to create a consistent policy across workplace pension schemes.

24/06/2026

05/04/2026

Many people feel they don’t fully understand investing, and that’s more common than you might think. The world of markets, funds and risk can seem complex, especially if it's not something you’ve had to engage with before.

It’s OK not to know all the details; investing isn’t something most of us learn at school. What matters is seeking support when you need it. Investing carries risk, and the value of your investment can go down as well as up. So, with guidance, you can help build confidence, understand the risks and I can ensure decisions align with your goals.

You don’t need to have all the answers, having access to clear guidance can help you make informed decisions about your financial future. Feel free to get in touch and I can discuss your situation together.
"

21/03/2026

Third consecutive year to be featured.
Thank you to my clients for your valuable reviews.

04/03/2026

From April 2026, the UK State Pension age will start rising from 66 to 67, with the change phased in until April 2028.

This means many people will have to wait longer before they can claim their State Pension, increasing the years they need to work or save.

The State Pension is relatively modest and eligibility rules can change, so it’s important not to rely solely on it in retirement. Having other pension provision – such as workplace, personal or private pensions – helps ensure you have enough income, greater flexibility and financial security in later life.

04/03/2026

16/02/2026

Are you in the enviable position of being mortgage-free?

Mortgage payments can be one of the biggest monthly expenses, so if you have more disposable income, now could be a good time to review your retirement plans to make sure you’re putting any spare money to work for your future.

If you want help considering your options at this stage in your life, get in touch.

22/01/2026

When do you plan to retire? It’s a thought-provoking question isn’t it. It’s also quite tricky to engage with the prospect of retirement when you’re kicking off your working life in your 20’s.

Whether you’re 20 or 50, organisation is key to ensuring your retirement goes smoothly, even if it still seems a long way off.

Retirement should be a time to look forward to, not overshadowed by financial concerns, and I can help you get on track and stay on track.

Closer to your retirement, I can help make the big decisions easier by showing you all your options and giving you the confidence that you’re making the right choices for your future.