Mosaac Financial Advisers

13/08/2025

🤔 Worried about Inheritance Tax?

Google searches for “inheritance tax advice” are up 164% year-on-year.
Clearly, more people are starting to think about it… should you be?

Do you know how much of your estate could be affected if something happened today?
Do you understand the thresholds, exemptions, and reliefs that might apply to you?

While there are talks of possible changes in 2027 — including bringing pensions into IHT — nothing is certain yet.
What is certain is the current IHT rules, and how they could impact your loved ones right now.

IHT planning isn’t just about the future — it’s about protecting your family from unnecessary tax bills today.

At Mosaac, we help you navigate the rules as they stand, while keeping you prepared for whatever comes next.

📞 Speak to us today about securing your family’s financial future and read more here about how we can help you: https://www.mosaacfinancial.uk/estateplanning

01/08/2025

🌿 Invest in a Better Future — with ESG and Mosaac

What is ESG investing?
It stands for Environmental, Social, and Governance — three key factors used to measure the sustainability and ethical impact of an investment.

🌍 Environmental: How companies impact the planet

🤝 Social: How they treat people and communities

🏛️ Governance: How they're run — transparency, ethics, and accountability

At Mosaac Financial, we build portfolios that don't just perform — they mean something.

Whether you're investing in clean energy or companies with strong ethics, ESG lets your money shape a better future.

🔗 Learn how we do it at:
👉 mosaacfinancial.uk/sustainability

21/07/2025

✨ What does retirement really cost? ✨

Not everyone wants the same kind of retirement.
Some people are happy with the basics, while others dream of cruises, luxury holidays, and treating the grandkids.

The PLSA Retirement Living Standards give us a helpful guide to what different lifestyles in retirement might cost each year:

💼 Minimum lifestyle — around £14,400/year
✔️ Covers the essentials, with a few small extras.

🌴 Moderate lifestyle — around £31,300/year
✔️ More flexibility for hobbies, eating out, and UK holidays.

🚤 Comfortable lifestyle — around £43,100/year
✔️ Luxury holidays abroad, a new car every few years, and plenty of financial freedom.

It’s never too early — or too late — to start planning for the retirement you really want.

📝 We’ve written more about these figures — and what they mean for your plans — in our latest blog:
👉 Read it here: https://www.mosaacfinancial.uk/post/how-much-retirement-income-do-you-need

If you’d like to talk to us about building a plan for your future, just send us a message — we’re here to help.

19/12/2022

Rather than buying toys for the children this Christmas, why not consider a different kind of gift – perhaps one with a financial twist and a long-term gain?

Rather than buying toys for the children this Christmas, why not consider a different kind of gift – perhaps one with a financial twist and a long-term gain?

26/09/2022

With projections that inflation could reach 13% and beyond into 2023, many people may be tempted to raid investments and access early retirement benefits to make ends meet.

12/09/2022

After a prolonged period of speculation, the new Prime Minister Liz Truss has announced preliminary details of how the government plans to deal with the energy price crisis.

25/08/2022

New data from HMRC reveals there are now over six million people paying higher or additional rate tax in the UK.

New data from HMRC reveals there are now a record number of people paying higher or additional rate tax in the UK – 6.1 million.

05/07/2022

Recent research casts a new light on the spending habits of retirees, with expenditure increasing year-on-year between the ages of 62 and 80, contrary to popular opinion. Do you need to review your retirement plans for this new reality?

Recent research casts a new light on the spending habits of retirees, with expenditure increasing year-on-year between the ages of 62 and 80, contrary to popular opinion. Do you need to review your retirement plans for this new reality?

20/06/2022

In late May, the Chancellor announced new measures to counter the rising cost of living, chiefly energy prices – a package greater in scope than many had expected and coupled with an Energy Profits Levy.

In late May, the Chancellor announced new measures to counter the rising cost of living, chiefly energy prices – a package greater in scope than many had expected and coupled with an Energy Profits Levy.

14/06/2022

In April, UK inflation reached a level not seen since the early 1980s and there will likely be another rise just around the corner. What will it mean for your cash and investments?

16/05/2022

An annual survey has provided an interesting snapshot of people who have or plan to retire in 2022. Are your plans on track? Wherever you are in your planning, the research offers some important insights.

28/04/2022

The next step in the company’s movement towards being more sustainable involved us wanting to be able to offer greater incentives to our team with regards to cleaner energy sources. The launch of the Electric Vehicle scheme has largely been a success but we encountered a few hazards along the way!