TBA Wealth Management

TBA Wealth Management We are a long established firm of independent financial advisors, offering a professional financial

Optima Financial is a team of dedicated Independent Financial Advisors (IFA’s), serving a wide range of personal and business clients. Separately regulated by the Financial Conduct Authority the business is well established and proud of it’s high service standards befitting a professional accountancy practice. Unlike many IFA businesses and high street banks, we are service orientated not sales driven, and our clients can be confident that we will treat them fairly by putting their needs first.

06/07/2026

When it comes to planning for later life, one of the biggest misconceptions is that all care is funded by the NHS.

In reality, social care and NHS care are assessed differently. While local authority support is often means tested, some people with complex, ongoing health needs may be eligible for NHS Continuing Healthcare (CHC), which is based on an assessment of their care needs rather than their financial circumstances.

Understanding how care funding works before you or a loved one need support can help you plan ahead, avoid unexpected costs and make informed decisions about the future.

Knowing the difference between NHS care, social care and NHS Continuing Healthcare is an important step in making informed choices for yourself and your family.

There's nothing better than knowing our clients value the advice and support they've received.Here's some recent feedbac...
01/07/2026

There's nothing better than knowing our clients value the advice and support they've received.

Here's some recent feedback we're proud to share.

How much do you know about long-term care? For many people, the answer is "not much" until they need to navigate it for ...
23/06/2026

How much do you know about long-term care?

For many people, the answer is "not much" until they need to navigate it for themselves or a loved one.

Over the coming weeks, we'll be sharing a series of posts and articles covering care costs, funding, means testing and practical steps that can help you prepare for the future.

Our first insight explores the realities of long-term care and why giving the topic some thought sooner rather than later could help you make more informed decisions in the future.

Read the full blog here: https://www.turpinbawealth.co.uk/blog/long-term-care-planning

04/06/2026

What happens to an annuity on death isn’t always well understood.

A common misconception is that annuity income will automatically continue to a spouse or family member. In reality, this depends entirely on how the annuity was set up at the outset.

Options such as joint life cover or guarantee periods must be chosen when the annuity is arranged. If they aren’t selected, income can stop immediately on death, and these decisions can’t be changed later.

This is why it’s important to understand the long‑term implications before an annuity is put in place.

A lot of people aren’t saving enough for retirement, could you be one of them?It’s easy to put it off, but the earlier y...
27/05/2026

A lot of people aren’t saving enough for retirement, could you be one of them?

It’s easy to put it off, but the earlier you take action, the more options you’ll have later.

We’ve shared a short blog with insights to help you better understand where you stand and what you could do next.

Read the blog and take a step towards a clearer plan.
https://www.turpinbawealth.co.uk/blog/almost-half-not-saving-for-retirement

14/05/2026

HMRC has shared more detail on how inheritance tax will apply to pensions from April 2027.
A key change is that personal representatives will need to take “reasonable steps” to identify any pension schemes that may pay death benefits. This could include reviewing records, checking bank statements and online accounts, and speaking with family, advisers and providers.
It places additional responsibility on families at a difficult time, so keeping records up to date and seeking advice early can make things much easier.

11/05/2026

Headlines are loud. Good investing is quiet.
In early May 2026, oil was still elevated, with Brent crude at $109.87 a barrel even after a 4% daily fall, as markets kept watching the Strait of Hormuz, which before the war handled around one-fifth of the world’s oil and gas supply. Yet despite the noise, the S&P 500 rose 0.8% and the Nasdaq around 1% to record closes on the same day.
History matters here too: Morgan Stanley says the S&P 500 has risen 8.4% on average in the 12 months after major external shocks. The lesson? Don’t let short-term fear derail a long-term plan. Stay diversified, stay invested, and stay steady.

The final part of our pension series is here.The wealth team are ending with an important update; how pensions may now b...
08/04/2026

The final part of our pension series is here.

The wealth team are ending with an important update; how pensions may now be considered when calculating Inheritance Tax, and what that could mean for you.

If you’re unsure what to do next with your pension, now is the time to take stock and plan ahead.

Read our latest insight to understand the changes and your options: https://www.turpinbawealth.co.uk/blog/pensions-death-and-tax

18/03/2026

Decumulation might sound technical, but it’s really about one simple thing: turning your life savings into the lifestyle you want.
There’s no one-size-fits-all approach when it comes to taking money from your pension. Whether it’s drawdown, annuities, lump sums or a combination the right strategy depends on your goals, needs, and circumstances.
That’s where we come in. We help you make confident, informed decisions so your money works for you in retirement.
Get in touch to talk through your options.

11/03/2026

It’s easy to set up a pension and leave it running in the background.

But many people don’t realise what their pension is actually invested in, or whether it still suits their goals and attitude to risk.

Taking a moment to understand your pension investments can help ensure they’re working the way you expect for your future.

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