Resolve Financial Solutions Ltd

26/10/2026

The clocks went back yesterday. Here's the best way to spend your extra hour.

One hour. Three checks. Potentially thousands of pounds that could otherwise be forgotten or end up with the wrong person.

1. Check your State Pension forecast. It takes a few minutes on GOV.UK and shows what you're on track for and whether there are any gaps in your National Insurance record.

2. Track down old pensions. Changed jobs a few times? The government's free Pension Tracing Service can help you find contact details for old workplace schemes.

3. Check who your pensions would go to. Most pensions don't follow your will. They're usually paid out based on a nomination or "expression of wish" form you may have filled in years ago. If you've married, divorced, had children or lost someone since, it could be out of date.

That third one is the check we see overlooked most often and it's usually a quick fix.

If you find more than you expected, or you're not sure what to do next, Stuart and Iain can help you bring it all together. Book a free initial consultation.

👉🏼 https://www.resolvefs.co.uk/get-in-touch/



*This post is for general information only and does not constitute personal financial advice.
Pension cannot be access until age 55 (57 from 2028). Investments carry risk. Tax rules can change and their effect depends on your individual circumstances.

22/10/2026

A wonderful review for the financial planning team.

We’re passionate about helping families feel organised, informed and confident when making financial decisions that matter.

21/10/2026

Why we still sit down with clients face to face in Reigate, even though most of life has moved online.

Video calls are brilliant and plenty of our clients prefer them. But some conversations simply go better around a table.

When you're talking about retirement, what you'd like to leave your children or what happens if one of you dies first, the details matter. So do the pauses. The moment someone says "actually, there's something I haven't mentioned" usually comes forty minutes in, over a second cup of tea.

That's why Stuart and Iain still offer face-to-face meetings in Reigate. Not because it's old fashioned, but because good financial planning starts with properly understanding you and that takes time.

If that's how you'd like to work, we'd love to meet you. Your first conversation is a free initial consultation, in person or on screen, whichever suits you best.



*This post is for general information only and does not constitute personal financial advice.

19/10/2026

Is your fixed rate ending in the first half of 2027? You may be able to lock in your next rate now.

Lots of homeowners across Surrey think they can't do anything about their mortgage until the month their deal ends. In reality, many lenders let you secure a new rate up to six months before your current one runs out.

Why that matters:
• If rates rise in the meantime, you've already secured yours.
• If rates fall before completion, an adviser can often help you move to a better deal.
• You avoid a last-minute scramble and the risk of rolling onto your lender's standard variable rate.

It also gives you time to ask the bigger questions. Is staying with your current lender really the best option? Do you want to borrow for home improvements, overpay or change your term?

Chris, Suzanne and Emily help homeowners across the South East with exactly this every week. If your deal ends between now and summer 2027, book a free initial consultation and we'll look at your options together.



*Your home may be repossessed if you do not keep up repayments on your mortgage. Rates and product availability can change and depend on your individual circumstances. This post is for general information only and does not constitute personal financial advice.

15/10/2026

Taking the stress out of finding a mortgage is what we do best. If you are thinking about moving house or purchasing your first property, then please get in touch.

*Your home may be repossessed if you do not keep up repayments on your mortgage.

14/10/2026

The Budget is two weeks today. The most expensive thing you can do before then is act on a rumour.

Every autumn the headlines fill up with predictions. Pension tax-free cash cut. ISA allowance slashed. Inheritance tax tightened. Some years a few come true. Plenty don't.

The Chancellor delivers the Autumn Budget on Wednesday 28 October, and until then nothing has been announced. Making big, hard-to-reverse decisions based on speculation, such as taking tax-free cash from your pension early just in case, can leave you worse off if the rumour never happens.

What's worth doing instead over the next two weeks:
1. Know your numbers. Roughly what's in your pensions, ISAs and savings, and what your home is worth.
2. Check what you've already used this tax year. Your ISA allowance, pension contributions and any gifts you've made.
3. Write down your questions. Then when the Budget lands, you'll know exactly which announcements matter to you.

Our financial planners Stuart and Iain will be reading the detail on Budget day so you don't have to. If you'd like to talk it through, a free initial consultation is the best place to start.

👉🏼 https://www.resolvefs.co.uk/get-in-touch/



This post is for general information only and does not constitute personal financial advice.
Pension cannot be access until age 55 (57 from 2028). Investments carry risk. Tax rules can change and their effect depends on your individual circumstances.

12/10/2026

Five people. One aim. Helping families across Reigate and the South-East feel confident about their money.

Whether you've followed us for a while or you've just found us, we thought it was time for a proper introduction.

Stuart, Iain and Gina look after our financial planning clients. They're happy to meet you face to face in Reigate, over a cup of tea and at a pace that suits you. Pensions, investments, retirement, inheritance tax and all the questions in between.

Chris, Suzanne and Emily are our mortgage and protection team, helping first-time buyers, movers and remortgagers right across the South-East.

What we all have in common? We'd rather explain things properly than rush you into anything. No jargon, no pressure, just honest advice from people who live and work locally.

If you've been meaning to get your finances in order, start with a free initial consultation. We'll listen first.

👉🏼 Book your free initial consultation: https://www.resolvefs.co.uk/get-in-touch/



*This post is for general information only and does not constitute personal financial advice.

08/10/2026

Giving the best possible customer service to our clients is important to us. We want to build relationships with our clients so that we can help them again in the future.

07/10/2026

Protection built into your mortgage sounds like it's sorted but it's rarely enough on its own and almost nobody points this out.

Many buyers assume that because their lender mentioned life insurance, or because they have death in service through work, they're covered. Death in service typically pays two to four times your salary but it stops the moment you leave that employer and it's rarely designed with your specific mortgage or family costs in mind.

If you were relying on a workplace benefit tied to a job you might not always have, that's worth a second look.

It's not about buying more cover for the sake of it. It's about knowing what you'd actually be left with.



*Life assurance plan typically have no cash in value.

06/10/2026

Buying your first home comes with enough to think about without half-true rumours getting in the way. Some of the most common mortgage myths stop people from even starting the process, while others lead to decisions that cost real money.

Here are five of the biggest, and what’s true in 2026.

Some of the most common mortgage myths stop people from even starting the process, while others lead to decisions that cost real money. Here are five of the big