John Guthrie - Independent Financial Adviser

29/08/2025

📢 Big news! 🚨
For all things Pensions & Investments, please head over to TFA - Trusted Financial Advice👉 that’s where we’ll be sharing updates, tips & support from now on.

This page is closing soon, so make sure you’re following us there to stay connected! 💬✨

26/08/2025

📢 Update 📢

This page will soon be closing. From now on, all updates, news and information will be shared on our main company page TFA - Trusted Financial Advice

By keeping everything in one place, it’ll be easier to stay up to date and access the support and resources you need.

👉 Please follow us here: TFA - Trusted Financial Advice

Thank you for your continued support.

12/02/2025

A daunting part of a separation or divorce for most couples is sorting out the finances. We’ve listed our top tips for what you need to consider when divorcing or separating as financial disputes can be a major stumbling block in the divorce process and could take longer than the divorce itself.

Questions you might ask yourself...
· What is the importance of creating a new budget when your household income is impacted?
· Why should you check your credit report after a divorce or separation?
· What steps should be taken with joint accounts following a divorce?
· Why is reviewing your pension important during a divorce or separation?
· Why is it important to update your Will post-divorce or separation?

Our free guide tackles these and more

Divorce - Sorting out your finances can be daunting. Here are our top tips for what you need to consider...

22/01/2025

🎉 Exciting news! TFA Trusted Financial Advice has proudly claimed the Feefo Platinum Trusted Service Award for four consecutive years! 🏆 This significant achievement showcases our unwavering commitment to providing exceptional customer service. 🙌✨
Why this matters:
🌟 Unique recognition based on genuine client feedback
🌟 Independent assessment from a trusted source
🌟 Demonstrates our dedication to client satisfaction
Join us in celebrating this milestone and learn more about our award-winning services! 👉 https://bit.ly/4joWImW

24/08/2024

Opportunity to tap into the monetary value locked away in property

For homeowners, equity release presents an opportunity to tap into the monetary value locked away in their property. With an equity release plan, access to a cash lump sum is made possible, providing flexibility for various purposes, from mortgage clearance to home renovations. However, some restrictions have been established to safeguard both lenders and applicants.

⚠️ A significant limitation of equity release is the age requirement. To be eligible, you must have celebrated at least 55 birthdays. Nevertheless, lenders typically provide alternative solutions for those falling below the age threshold, offering other avenues for raising necessary funds.

Find out more about equity release and how it can benefit you.

🔗

For homeowners, equity release presents an opportunity to tap into the monetary value locked away in their property.

27/03/2024

Changes to the State Pension coming soon

📢 Exciting news for pensioners! The State Pension is set to increase by a whopping 8.5% from April 6, 2024, thanks to the 'Triple Lock' mechanism.

The State Pension, a recurring benefit paid every four weeks by the government, is available to individuals who have reached the qualifying age and have made sufficient National Insurance contributions.

Qualifying for a full State Pension is based on your National Insurance Contributions. You can check your personal NI record and forecast your State Pension on government websites.

This increase translates to significant changes in the weekly pension amounts. Those receiving the full, new flat-rate State Pension will get £221.20 per week, while those on the full, old basic State Pension can expect £169.50 each week.

💡 Curious how this increase is calculated? It's all part of the 'Triple Lock' system. The State Pension increases each April based on the highest of three measures: inflation, average wage increase, or a minimum of 2.5%. The highest of these three measures dictates the increase in the State Pension.

🚨 Remember, this article does not constitute tax or legal advice but aims to inform. For specific guidance and advice tailored to your circumstances, it's always best to seek professional advice.

🔍 Read our latest TFA Smart Money Guide for more information on the State Pension and related topics.

:

Changes to State Pension come into force on 6 April 2024 - state pension is set to increase due to a mechanism known as the ‘Triple Lock’.