Higman Associates Independent Financial Advisers

23/04/2026

If you would like any pension advice, please call 📞 07432 096370

16/03/2026

🎉 We’ve done it again!

Trusted Financial Advice has received the Feefo Platinum Trusted Service Award 2026 — for the fifth year in a row!

This award is extra special because it’s based on reviews from real clients. Your feedback helps us grow, improve, and continue delivering the service you deserve.

Darren Bilkey, Managing Director, shared:
“Achieving Platinum for the fifth year running shows just how much our clients value the trust, care and professionalism we bring to every interaction. We are incredibly proud of our team and grateful for the continued confidence our clients place in us.”

Thank you to everyone who has taken the time to share your experience with us — your support means everything. 💛

23/12/2025

If you would like to book a financial review please call 07432 096370

On the twelfth day of Christmas, my adviser said to me… Give yourself peace of mind.

Book a financial review for 2026 and start the year strong.

12/12/2025

On the sixth day of Christmas, my adviser said to me… Thinking of moving in 2026?

Start planning your mortgage options now for a smooth transition later.

11/12/2025

On the fifth day of Christmas, my adviser said to me… Review your protection cover.

Life insurance and income protection give peace of mind—because the best gift isn’t under the tree.

09/12/2025

On the fourth day of Christmas, my adviser said to me… Avoid credit card traps!

If you use credit, choose 0% interest options and pay off quickly to avoid costly debt.

06/12/2025

On the third day of Christmas, my adviser said to me… Use savings wisely—don’t dip into emergency funds for Christmas extras.

Keep your safety net intact and enjoy the season without financial stress.

21/10/2025

If you would like to discuss any financial issues please call 07432 096370

Confused about pension annuities?

Using your pension fund to buy an annuity for retirement or semi-retirement is a major financial decision.

Take a look at our Guide or schedule your personalised consultation today to explore how annuities could provide stability, guaranteed income and peace of mind for your retirement or semi-retirement.

https://bit.ly/46yGrr4

27/03/2025

If you would like advice on withdrawing money from your pension, or any other financial advice, please call 07432 096370

💡 10 Years of Pension Freedoms – What This Means for Your Retirement Planning

Since the introduction of pension freedoms in 2015, retirees have gained greater control over accessing their pensions. But with freedom comes responsibility – and uncertainty.

Recent findings (Royal London) highlight that almost 1 in 5 savers withdrew funds without advice, raising concerns about the long-term financial impact. Many also failed to consider the tax implications, which could significantly reduce their retirement income

At TFA, we understand the complexities of pension planning. Whether you're thinking of withdrawing a lump sum, paying off debts, or maximising your savings for future growth, proper guidance is key to ensuring your financial security.

The good news? Pension freedoms have been used responsibly by many – with 32% using their tax-free lump sums to pay off mortgages and other debts

Make sure you're one of them by working with expert advisers who prioritise your best interests.

💬 Get in touch today. With expert advice on your side, you can make informed decisions to secure the retirement you've always envisioned.

08/03/2025

If you would like any financial advice please call me on 07432 096370

The deadlines for making pension contributions and utilising your ISA allowance are tied to the end of the UK tax year, which for the 2024/25 tax year is Friday, 5 April 2025. Here's what you need to know about the deadlines:

💷
Pension Contributions
To qualify for tax relief in the 2024/25 tax year, your contributions must be made by 5 April 2025.

This includes both personal contributions and employer contributions into personal or workplace pensions.

If you're planning to carry forward unused Annual Allowance from the previous three years, you must still make those contributions by 5 April 2025 to count them towards the current tax year.

📈
ISA Allowance
You must use your ISA allowance by 5 April 2025.
Any unused ISA allowance does not roll over into the next tax year—it's a "use it or lose it" situation.

For the 2024/25 tax year, the total ISA allowance is £20,000, which can be spread across different types of ISAs (e.g., Cash ISA, Stocks & Shares ISA, Lifetime ISA, or Innovative Finance ISA).

💡 Top Tip: To avoid any last-minute stress, try to act well before the deadline, as some providers may have earlier cut-off dates (e.g., they might require contributions or transfers to clear by the end of the working day).

If you're unsure about your allowances, limits, or opportunities to maximise tax efficiency, feel free to reach out to a financial adviser. That way, you can make the most of both your ISA and pension contributions before the deadline.

📞 Get in touch today for personalised advice!

Read our full article on maximising the end of the UK Tax Year 2024/25 on page 12

https://bit.ly/43qZ6E3