Lonsdale Wealth Management - Ringwood

20/08/2026

Have you heard of Sequence of Returns Risk when considering Pension Drawdown?

If you’re approaching retirement, already drawing an income from your pension, or considering pension drawdown, it’s a risk you should understand.

Sequence risk is the risk that the order in which investment returns occur can significantly affect how long your pension lasts.

Two people could have the same pension, take the same income and achieve the same average investment return, yet end up with very different outcomes.

Why?
👉 Poor returns early in retirement can mean selling more investments when markets have fallen.
👉 Once sold, those investments can’t benefit from a future recovery.
👉 The higher your withdrawals, the greater the potential impact.

Our latest article explains sequence risk and explores potential ways to manage it, including cash reserves, investment “buckets”, annuities and flexible withdrawals.

Considering pension drawdown? This is an important read before you make any decisions.

Read the article here: https://www.lonsdaleservices.co.uk/news-could-sequence-risk-affect-your-pension-during-drawdown-1016


Important information: The value of an investment and the income from it could go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. The contents of this article are for information purposes only and do not constitute individual advice. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). Your pension income could also be affected by the interest rates at the time you take your benefits.

18/03/2026

Are you confused by trusts and how they fit into your financial planning?

Trusts can be a valuable tool for:
Providing for children or vulnerable family members
Structuring wealth across generations
Planning for inheritance tax exposure

…but they’re not a one-size-fits-all solution. Different types of trusts have different tax implications, reporting requirements, and administrative responsibilities. Using the wrong structure could even increase complexity and costs.

Our latest article breaks down the main trust types, how they’re taxed, and the practical considerations involved. It’s designed to help you decide if you need personalised independent financial advice before taking the next step.

📖 Read the full article here https://www.lonsdaleservices.co.uk/news-understanding-trusts-trusts-use-in-inheritance-tax-asset-protection-planning-971

If you’d like tailored guidance, Lonsdale Financial Advisers can help assess your financial position and work with solicitors and tax specialists to ensure any trust is set up correctly and fits your long-term plans.



Important Note: This article is provided for general information only and does not constitute personal financial, tax or legal advice. The taxation of trusts depends on individual circumstances and current legislation, which may change. For advice tailored to your situation, please speak to a qualified financial adviser authorised by the Financial Conduct Authority. The Financial Conduct Authority does not regulate advice on Estate Planning or Tax Planning.

Trusts can help provide for children, support vulnerable family members and, in some circumstances, form part of inheritance tax (IHT) planning.

29/01/2026

Is professional financial advice really worth the cost?

It’s one of the common questions we hear. And to be honest, it’s a fair one. Financial planning isn't cheap, but there is a clear difference between "cost" and "value."

Relying entirely on your own decision-making has hidden costs too, costs that are often much harder to spot until it might be too late.

In our latest article, we break down why high-quality advice is an investment in itself, not just an expense. Here are a few key takeaways:

- The "Adviser Alpha": Research suggests that professional behavioural coaching and tax-efficient planning can add significant value over time, potentially around 3% per year in some models.

- Avoiding the DIY Trap: We look at the hidden costs of "going it alone," including the time burden, the risk of tax errors, and the emotional pitfalls of reacting to market volatility.

- The Intangibles: Beyond the maths, there is immense value in the clarity, structure, and confidence that comes from having a regulated expert in your corner.

Financial planning is not just about numbers, it’s also about confidence.

Read the full article here: https://www.lonsdaleservices.co.uk/news-why-paying-for-good-financial-advice-is-an-investment-in-itself-959

Are you thinking about getting independent financial advice but worried about the fees? Let’s have a conversation about how the right advice pays for itself in peace of mind and long-term security.

Commonly asked when exploring good financial advice or good wealth management advice is: “Is professional financial advice really worth paying for?

26/01/2026

💡 Do you understand the ISA changes coming in 2027?

The November 2025 Budget confirmed some important updates to Individual Savings Accounts (ISAs).

While the overall £20,000 allowance remains the same, new rules, especially around cash ISA contributions for under-65s, could change how you use your allowance.

Understanding these changes now could help you plan ahead and make the most of your tax-free savings.

If you’re unsure how this might affect you, this article breaks down what to consider: How the New ISA Rules Could Affect Your Savings
https://www.lonsdaleservices.co.uk/news-how-the-new-isa-rules-could-affect-your-savings-964

It’s worth thinking about whether reviewing your ISA strategy or speaking to a financial adviser could help ensure your savings stay aligned with your goals.



Important Information: This article is provided for general information purposes only and does not constitute personal financial advice. Tax rules and legislation can change, and the value of investments can fall as well as rise. Your individual circumstances, tax position and attitude to risk should always be considered. For the most up to date and authoritative information, refer to official government Budget publications and guidance, or speak to a suitably authorised financial adviser.

Should You Speak to a Financial Adviser About the ISA Changes? The Autumn Budget 2025 confirmed important changes to ISAs...

17/12/2025

Inflation isn’t just a number on the news, it affects…

1) how much your money is really worth
2) the performance of your investments.

At Lonsdale, we break down what inflation is, why it matters, and how it can impact your portfolio.

From stocks to bonds to property, understanding inflation helps you make smarter decisions for the long term.

Read our latest article to stay informed and protect your financial future: https://www.lonsdaleservices.co.uk/news-what-is-inflation-and-how-it-affects-your-investments-953

This article explains inflation, explore its causes and outline how it can impact major asset classes, so you can feel more confident and informed.

28/11/2025

The 2025 Autumn Budget has arrived — and it brings some of the most significant changes to pensions, savings and tax planning in recent years. With headline measures including a freeze to income-tax thresholds, a cut to the tax benefit on salary-sacrifice pension contributions, and reductions to cash ISA allowances, many people’s financial plans may need revisiting.

🔹 From April 2029, salary-sacrifice pension contributions will be capped: only the first £2,000 per year will escape National Insurance, anything above that will face NI, reducing the net benefit.
🔹 Cash ISA allowances may be cut, the tax-efficient shelter many savers rely on might become less generous under the new rules.
🔹 With income-tax thresholds frozen, more people could be dragged into higher tax bands over time, even without a rise in headline tax rates.

At Lonsdale Wealth Management, we’re already talking to our customers about what this Budget could mean for their pensions, savings and long-term financial plans. If you’re a client: now is a good time to speak to your Lonsdale Adviser.

And if you’re not a Lonsdale client, but you’re worried about your savings, pensions or tax exposure under the new rules, now is a good time to get in touch. We’re here to help.

For more detail on the Autumn Budget measures, see our summary of what the Chancellor announced...
https://www.lonsdaleservices.co.uk/news-autumn-budget-2025-what-the-chancellor-announced-944

This Autumn Budget summary brings together the key points, alongside a reminder of changes already scheduled to take effect from April 2026.

25/11/2025

With markets hitting all-time highs and constant headlines warning of an AI bubble, many investors are asking themselves:

📉 Should I be selling before a crash?
📈 Should I invest now, and in what?
🤔 Am I taking too much risk… or not enough?

These are natural questions, but reacting emotionally to short-term noise can often do far more damage than the market itself.

We’ve written a new article exploring:
✔ Why fears of an AI bubble echo previous market cycles
✔ What history tells us about market corrections and recoveries
✔ Why the greatest risk often isn’t investing ¬– it’s reacting
✔ How disciplined financial planning can turn uncertainty into clarity

If you’re questioning your investment strategy or feeling unsure about what to do next, this is worth a read.

👉 Read the full article here: The AI Bubble: Turn Market Fear into Investment Focus
https://www.lonsdaleservices.co.uk/news-the-ai-bubble-turn-market-fear-into-investment-focus-941

And if you’d like to talk about your own portfolio, pension, or investment strategy, whether you’re worried about the next downturn or simply want more confidence in your plan, feel free to get in touch. We’re always happy to talk.

Note: The value of an investment and the income from it can go down as well as up. The return at the end of the investment period is not guaranteed, and you may get back less than you originally invested. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can go down as well as up which would have an impact on the level of pension benefits available. The contents of this article are for information purposes only and do not constitute individual financial advice.

In recent months, many clients have been asking the same investment questions...

30/10/2025

💡 Have you heard of a Purchased Life Annuity (PLA)?

For those looking for a guaranteed, tax-efficient income, especially in retirement, a Purchased Life Annuity could be worth exploring.
Unlike pension annuities, PLAs are bought from cash savings and can provide a steady income for life or for a fixed term, with only part of the income taxed (the rest treated as a return of capital).

With annuity rates improving in recent years, this could be an ideal time to understand whether a PLA fits into your financial strategy.

👉 Read the full article to learn more:
“How to Generate a Tax-Efficient, Guaranteed Income”
https://www.lonsdaleservices.co.uk/news-how-to-generate-a-tax-efficient-guaranteed-income-929

The value of investments and the income from them may fall as well as rise. You may get back less than you originally invested. The contents of this article are for information purposes only and do not constitute individual advice. Levels, bases and reliefs from taxation may be subject to change. The Financial Conduct Authority does not regulate tax advice.

Creating a reliable income from your investments is a common financial goal, especially if you’re looking for stability and tax efficiency.