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We put a feminine touch to finance - check out our website for lots more free information http://evolutionfinancialplanning.co.uk Company no. 08117933.

EVOLUTION FINANCIAL PLANNING

Evolution Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Evolution Financial Planning Ltd is entered on the FCA register (www.FCA.org.uk) under no. 593368. Evolution Financial Planning Ltd. Registered address: Unit F23 Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales.

26/10/2026

We've got some lovely news to share from the Evolution team! ❤️

Our adviser Katie got married last weekend, and we couldn't be happier for her!

It was wonderful to see Katie celebrating such a special occasion, and we couldn't resist sharing a few photos from the day.

A huge congratulations to Katie and her new husband. We're wishing you both a lifetime of love, laughter and happiness together.

Please join us in sending them both your congratulations! 🥂

23/10/2026

When did you last check what your pension is worth?

It's probably not something that comes up in everyday conversation, but some research into the financial side of divorce makes it a particularly interesting question.

A University of Bristol study found that more than a third of people who had divorced didn't know the value of their own pension. And among divorcees with pensions that hadn't yet been drawn, only 11% had made a pension-sharing arrangement. (Source: University of Bristol, November 2023)

We tend to hear a lot about who keeps the family home when couples separate, but pensions can represent a substantial part of someone's overall wealth.

And for women who have taken career breaks, worked reduced hours or prioritised family responsibilities, the difference between their pension provision and their partner's can be considerable.

The difficulty is that pensions aren't always straightforward to value or compare, and the decisions made during a divorce can have implications for someone's retirement many years later.

It's something worth understanding properly, rather than discovering much further down the line.

Rebecca Robertson and divorce specialist Ellie Foster will be discussing pensions alongside property, savings, income and other important financial considerations during our complimentary Divorce Without Financial Regret webinar on Thursday 19th November at 1pm.

Register here: https://evolutionfinancialplanning.co.uk/divorce-without-financial-regret/

Disclaimer

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

Evolution Financial Planning is an Appointed Representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register under reference 593368. The information contained with this email is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

21/10/2026

When a marriage ends, keeping the family home can feel like the most important thing.

And it's completely understandable why. It's familiar, it's where memories have been made and, particularly when children are involved, staying there can offer some much-needed stability.

But there's another part of that decision that deserves just as much consideration.

What does keeping the house mean for your finances over the next five, ten or twenty years?

Perhaps the mortgage is affordable, but there's very little left each month for savings. Maybe the property needs expensive maintenance, or retaining more of the equity means receiving a smaller share of other assets, including pensions.

For some people, keeping the family home will absolutely be the right decision. For others, a different arrangement might provide greater financial flexibility and security.

And when you're dealing with the emotional side of separation, having to make decisions about something as personal as your home can be incredibly difficult.

That's why understanding the financial implications, alongside the practical and emotional considerations, is so important.

On Thursday 19th November at 1pm, Rebecca Robertson will be joined by divorce specialist Ellie Foster for our complimentary webinar, Divorce Without Financial Regret: The Key Money Decisions to Understand Before, During and After Separation.

They'll be exploring the decisions around property, pensions, savings, debt and income, with practical insights to help you understand your options and think about longer-term financial security.

Sign up here: https://evolutionfinancialplanning.co.uk/divorce-without-financial-regret/

Disclaimer

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

Evolution Financial Planning is an Appointed Representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register under reference 593368. The information contained with this post is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

19/10/2026

Being divorced doesn't necessarily mean your finances are fully settled.

Did you know that research from the University of Bristol found that only around a third of divorcing couples had formalised their financial arrangements through a court order? (Source: University of Bristol, November 2023)

It's an interesting finding, particularly when you consider how many people might assume that once the divorce is final, everything else is too.

Perhaps you've agreed who keeps the house, divided the savings and worked out what happens next. You're both happy with the arrangements, so why would you need to do anything more?

Well, in England and Wales, getting divorced and legally finalising your financial arrangements are two separate things. Even where couples agree, a court-approved financial order is generally needed to make that agreement legally binding. (Source: GOV.UK, Money and property when you divorce or separate)

And that's something worth understanding before assuming everything has been taken care of.

We'll be exploring this and other important financial considerations during our complimentary Divorce Without Financial Regret webinar with Rebecca Robertson and divorce specialist Ellie Foster on Thursday 19th November at 1pm.

Sign up here: https://evolutionfinancialplanning.co.uk/divorce-without-financial-regret/

Disclaimer

Evolution Financial Planning is an Appointed Representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register under reference 593368. The information contained with this post is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

16/10/2026

How much should you know about somebody’s finances before you marry them?

An article we read recently looked at survey data on unmarried men aged 18 to 29 in the US. Many still wanted to marry one day, but financial instability and fear of divorce were among the reasons some felt hesitant. (Source: Institute for Family Studies/YouGov, reported by AOL, September 2026).

We would not assume those findings represent every young man, or that US research translates directly to the UK, but it did raise a much bigger question about the money conversations we have before marriage.

💵How do you each feel about debt?

💵What does being financially secure mean to you?

💵Do you want to buy a home?

💵If you have children, would either of you reduce your working hours?

💵How would you manage things if one person earned considerably more?

💵What happens to the individual plans you each bring into the relationship?

None of that sounds particularly romantic, but neither is discovering five years into a marriage that you have completely different ideas about spending, saving, debt, careers or what you are trying to build together.

You do not need identical attitudes towards money to have a strong relationship. But understanding how the other person thinks about it gives you the chance to talk about those differences before you are making some of life's biggest financial decisions together.

What money conversation do you think couples should have before getting married?

14/10/2026

If a message asking for money came from a stranger, you would probably be suspicious.

But what if it came from your daughter? Your best friend? Someone you work with?

The amount stolen after scammers hijacked UK email and social media accounts rose from £1.2 million to £6.3 million in 2025/26, an increase of more than 400%. (Source: The Guardian, October 2026).

That is what makes this type of scam particularly difficult to spot. Criminals get into a genuine account and then use the trust that already exists between that person and their contacts. They might sell fake tickets, ask for money urgently or send new bank details that look as though they have come from someone you know.

It is worth having a conversation about this with the people around you, particularly teenagers, young adults and older family members.

If somebody unexpectedly asks you to send money, changes their bank details or tells you they need financial help urgently, verify it another way first. Call them using the number you already have, ask something only they would know or speak to them in person if you can.

Report Fraud is also encouraging people to use passkeys, which use the security on your own device rather than relying solely on a password. Weekly Edit 12.10.26

A couple of minutes checking really could save you, or someone you love, from handing money to a scammer.

Read the full Guardian article: https://www.theguardian.com/money/2026/oct/05/scammers-hijacking-uk-social-media-accounts

12/10/2026

A 50/50 split does not necessarily mean two people leave a marriage with the same financial future.

That is one of the really interesting points raised by new research from the University of Exeter looking at how financial decisions are being made following divorce.

If one person has reduced their hours, stepped back from their career or taken on more caring responsibilities during a marriage, simply dividing the assets does not necessarily account for the difference in earning capacity afterwards. The researchers found that the legal principle intended to recognise this has been applied directly only twice in almost 20 years. (Source: University of Exeter, August 2026).

There is another layer to this too. £400,000 of property, £400,000 in a pension and £400,000 of investments may have the same headline value, but they can create very different lives after divorce.

It is why understanding the longer-term impact of a settlement is so important. Can you afford to keep the family home? What happens to your monthly income? How much accessible money will you have? What does the decision mean for retirement? And what are you giving up in exchange for the assets you keep?

On 19th November at 1pm, Rebecca is joined by divorce specialist Ellie Foster for our complimentary webinar, Divorce Without Financial Regret: The Key Money Decisions to Understand Before, During and After Separation.

They’ll be talking through property, pensions, savings, debt, income and longer-term financial security, with practical tools and resources to help you understand your own financial picture before making major decisions.

Register for Divorce Without Financial Regret: https://evolutionfinancialplanning.co.uk/divorce-without-financial-regret/

*Disclaimer

Please note that the Financial Conduct Authority do not regulate, Estate planning, tax and trusts.

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested.

Evolution Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Evolution Financial Planning Ltd is entered on the FCA register (www.FCA.org.uk) under no. 593368.

The guidance provided within this post is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

09/10/2026

Generational wealth is about far more than what we leave behind.

It is also about the financial confidence, knowledge, habits and choices we help to pass on to the next generation.

That was the heart of Rebecca’s recent webinar, Her Wealth, Their Future: How Women Can Build Generational Financial Security, where she explored the practical side of building and protecting wealth alongside the conversations that often sit around it.

The session looked at the money beliefs we inherit ourselves, what we want our children to understand about pensions, investing and financial independence, and whether the plans we have in place genuinely reflect the future we want for ourselves and our families.

Rebecca also introduced her five-pillar framework for generational wealth: earn, keep, grow, protect and pass on. It looks at the different ways women can build financial security over time, from understanding income and managing debt through to investing, pensions, protection, wills and the choices we make about supporting children and grandchildren.

One of the strongest themes running through the webinar was that generational wealth is not just about inheritance. It can also mean helping children avoid unnecessary debt, making financial conversations more normal at home, keeping pension nominations and wills up to date, and giving the next generation a stronger understanding of what money can make possible.

If you missed the live session, the full replay is now available to watch in your own time.

Watch the Generational Wealth Planning webinar replay*: https://evolutionfinancialplanning.co.uk/generational-wealth-planning/

Disclaimer:

Please note that the Financial Conduct Authority do not regulate, Estate planning, tax and trusts.

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.

The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested.

Taxation Planning is not regulated by the Financial Conduct Authority.

Evolution Financial Planning is an Appointed Representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register under reference 593368. The information contained with this email is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

08/10/2026

Divorce Without Financial Regret… There are financial decisions made during separation that can affect you for years afterwards.

The house. Pensions. Savings. Debt. Income. What you can afford to keep. What you may need to let go of. And how all of those decisions affect the life you are trying to build next.

On the 19th November, divorce specialist Ellie Foster and financial planner Rebecca Robertson are coming together for a candid and practical conversation about the financial realities of separation.

This complimentary webinar is designed for women who are considering divorce, in the early stages of separation, or simply trying to understand their options before making major decisions.

Rebecca and Ellie will cover the financial questions worth asking early, the assets that need to be considered, why pensions are so often overlooked, how separation can affect income and lifestyle, common mistakes that can prove costly later, and how to begin planning for financial security after divorce.

Rebecca has also been developing practical tools and resources to go alongside the session, so this won’t just be an hour of information. You’ll leave with something useful to help you work through your own position afterwards.

Divorce Without Financial Regret
The Key Money Decisions to Understand Before, During and After Separation

📅 19th November 2026
🕐 1pm GMT
💻 Online and complimentary

Register here: https://evolutionfinancialplanning.co.uk/divorce-without-financial-regret/

Disclaimer

Please note that the Financial Conduct Authority do not regulate, Estate planning, tax and trusts.

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.

The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested.

Taxation Planning is not regulated by the Financial Conduct Authority.

Evolution Financial Planning is an Appointed Representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. It is entered on the Financial Services Register under reference 593368. The information contained with this email is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

07/10/2026

What do you actually want your money to make possible?

It sounds like a simple question, but it is one we probably do not ask ourselves often enough.

Maybe you want to work four days instead of five. Help your children when they are ready to buy their first home. Travel while you are young enough to enjoy it. Retire earlier than you thought you could. Change career. Feel comfortable spending some of the money you have worked hard to build. Or simply know that if life changes, you have choices.

Today is World Financial Planning Day, and for us, this is what financial planning is really about.

Yes, there are pensions, investments, tax allowances and spreadsheets involved. But those are the tools. The interesting bit is understanding what your money could allow you to do with your life.

Sometimes you do not even know exactly what you want yet. You just know something needs to change. That is where having the right conversation can be incredibly useful.

Our financial planning coach Carole works with clients through our Lifestyle Financial Coaching sessions to explore exactly that: what you want from life, how money fits into it, what might be getting in the way and what your next steps could look like.

So perhaps World Financial Planning Day is a good excuse to ask yourself one question:

If you knew your finances could support it, what would you change about your life?

If you would like some help working out the answer, book a complimentary initial discovery call with our team.

https://evolution-financial-planning.appointlet.com/s/discovery-call

Disclaimer

Please note that the Financial Conduct Authority do not regulate, Estate planning, tax and trusts.

A pension is a long-term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

The value of investments and any income from them can fall as well as rise, and you may not get back the original amount invested.

Evolution Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Evolution Financial Planning Ltd is entered on the FCA register (www.FCA.org.uk) under no. 593368. The guidance provided within this post/email/website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Registered office: Unit F23, Innovation Centre Medway, Maidstone Road, Chatham, Kent, ME5 9FD. Registered in England and Wales Number: 08117933.

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Website

http://evolutionfinancialplanning.co.uk/

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