Trafford & Houghton Financial Planning Ltd.

09/04/2026

Please find below a copy of our annual newsletter, which we hope you will find of interest.

Should you have any queries or require more information on any of the articles or any other financial matter, please do not hesitate to contact us on 01772 825755.

Please find below a copy of our annual newsletter, which we hope you will find of interest. Should you have any queries or require more information on any of the articles or any other financi…

07/04/2026

End of an Era

On Friday March 27th it was the end of an era as we said goodbye to Martin as we all wished him well in his retirement Having already worked together since 2002, we started Trafford and Houg…

06/04/2026

So after what seems like continuous investment growth for the last 26 months , March was the month where volatility returned to the markets I’ve discussed with clients recently that it feels …

20/03/2026

Congratulations Jamie!

Congratulations to Jamie who has passed the RO4 Pensions & Retirement Planning exam. Jamie is now halfway through completing the Diploma in Financial Planning. Well done!

22/12/2025

Christmas Opening Hours

Our Christmas opening hours are as follows: Wednesday 24th December – Thursday 1st January : Closed Friday 2nd January: 8:00am – 16:00pm (Normal Office Hours) We would like to wish our client…

28/11/2025

Rachel from Accounts delivers her latest baffling budget, including the hidden extras she forgot to mention.

Rachel from Accounts delivers her latest baffling budget, including the hidden extras she forgot to mention. The latest from the Autumn Budget 2025 – National Insurance (NI) and income …

08/08/2025

Congratulations David!

Congratulations to David who has passed his final exam and has now achieved the Level 4 Diploma in Regulated Financial Planning!

07/04/2025

Don’t panic , Haven’t we seen this Movie before Once again Donald Trump seems to be causing the world’s stock markets to shake Whether he sees this as a position of strength…

14/01/2025

Please find below a copy of our annual newsletter, which we hope you will find of interest.

Should you have any queries or require more information on any of the articles or any other financial matter, please do not hesitate to contact us on 01772 825755.

18/12/2024

Congratulations to our apprentice Olivia who has passed the RO5 Financial Protection exam.

Well done!

04/11/2024

Nightmare on Downing Street

Our first prediction around the budget was that somebody would run this headline the following day.

They didn’t disappoint.

The budget and the raft of changes were a timely reminder to regularly review and seek guidance from your adviser.

If you do have an adviser then there is always a solution to what is thrown at you.

If you don’t have one, well……… Good luck with that.

At this stage any personal response will have to wait, I haven’t been able to sanitise what I want to say just yet.

So here goes:

The main rate of class 1 employer national insurance contribution (NIC) will be increased from 13.8% to 15 from 6 April 2025.

The secondary threshold at which employer NICs are payable will be reduced from £9,100 to £5,000.

Main rates of capital gains tax increases with immediate effect to 18% for non and basic rate taxpayers and 24% for higher and additional rate taxpayers.

Inheritance tax (IHT) business and agricultural reliefs will be capped at a total of £1 million from April 2026.

Unused pension funds and death benefits will be included as part of an individual’s estate for IHT purposes from April 2027.

The additional SDLT charge for second homes and buy-to-let properties increases from 3% to 5% from 31 October 2024.

VAT of 20% will be applied to private school and boarding fees from 1 January 2025, while the charitable relief for English business rates will be withdrawn from 1 April 2025.

ISAs, Junior ISAs and Lifetime ISA limits will remain frozen until April 2030. The proposed British ISA has been scrapped.

Fuel duty rates for 2025/26 will remain frozen and alcohol rates on certain draught beers will be cut.