Lonsdale Services Limited

Lonsdale Services Limited We are a group of like-minded Independent Financial Advisers offering individuals and companies a holistic approach to financial advice and planning.

Could your child have a possible £2,000 waiting for them… and not even know it?If you have a child aged roughly 15 to 23...
29/06/2026

Could your child have a possible £2,000 waiting for them… and not even know it?

If you have a child aged roughly 15 to 23, this is something you may want to check today.

Many children born between September 2002 and January 2011 were given a Child Trust Fund, and with growth over time, some of these accounts could now be worth around £2,000 or more.

The surprising part is that many are still unclaimed!

For some families, it is simply because the paperwork was lost, they moved home, or nobody realised the account was still there.

That money could be a useful starting point for:
• Education costs
• A first car
• A first home
• Longer-term investing

It’s a simple check, but one that could have a meaningful impact on your child’s financial future.

Click to read the article and find out how to check: https://www.lonsdaleservices.co.uk/news-could-your-child-have-a-possible-2000-waiting-for-them-1001



Please note: 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.

Retirement planning doesn't stop when you leave work – in many ways, that's when it becomes even more important.If you'r...
25/06/2026

Retirement planning doesn't stop when you leave work – in many ways, that's when it becomes even more important.

If you're already retired and living in Ringwood, Southampton, Portsmouth, Bournemouth, or the surrounding areas, making the right decisions about your pensions, investments, and long-term finances can help provide confidence for the years ahead.

Our latest article explores:

✅ Why retirement income planning remains essential throughout retirement
✅ Key considerations for pension drawdown and sustainable withdrawals
✅ How to balance lifestyle goals with long-term financial security
✅ The growing importance of Inheritance Tax and estate planning
✅ Later-life financial planning, including housing and care considerations
✅ Why local knowledge matters when planning retirement finances in Hampshire and Dorset

With retirement often lasting 20–30 years or more, decisions made today can have a significant impact on your future financial wellbeing.

Whether you're considering pension drawdown, reviewing your retirement income strategy, or thinking about passing wealth efficiently to the next generation, this article highlights some of the key issues retirees should be aware of.

📖 Read the full article here: https://www.lonsdaleservices.co.uk/news-pension-advice-in-and-around-ringwood-for-those-already-retired-998



Disclaimer: This article is for general information only and does not constitute personal financial advice. Pension and tax rules can change, and their impact depends on individual circumstances. For personalised advice, you should consult a regulated financial adviser authorised by the Financial Conduct Authority. The Financial Conduct Authority does not regulate estate planning or tax 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). 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. Your pension income could also be affected by the interest rates at the time you take your benefits. The information contained within this article is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change.

Thinking of gifting a significant sum to your children, perhaps £20,000 or more?It’s a generous and often life-changing ...
22/06/2026

Thinking of gifting a significant sum to your children, perhaps £20,000 or more?

It’s a generous and often life-changing decision, but without the right structure in place, it can create unnecessary tax complications further down the line.

Inheritance Tax rules, the 7-year rule, and the “normal expenditure out of income” exemption can all play a part. Just as importantly, maintaining a clear paper trail is essential if HMRC ever needs to review your intentions.

That’s why it’s so important to speak to a Lonsdale Financial Adviser before making any gifts.

Getting the advice right at the outset can make all the difference in ensuring your gift is both tax-efficient and fully compliant.

Read the full article here: https://www.lonsdaleservices.co.uk/news-can-you-give-your-children-20000-tax-and-iht-free-995



Please note: The contents of this article are for information purposes only and do not constitute individual financial advice. The information contained within this article is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change. The Financial Conduct Authority does not regulate estate planning, tax advice, trusts and wills.

The Inheritance Tax Trap is becoming a growing problem for families across the UK.Many people focus on how much Inherita...
20/05/2026

The Inheritance Tax Trap is becoming a growing problem for families across the UK.

Many people focus on how much Inheritance Tax may be due… but the real issue is often how quickly it has to be paid and whether families can actually access the money in time.

With estates over £2 million potentially facing tax bills of around £400,000, loved ones can find themselves under huge financial pressure during an already emotional time.

Do you know someone who could be affected?

Have you spoken to your children about the impact this could have?

Or do you need to start the conversation with your parents about planning ahead?

Proper financial planning isn’t just about reducing tax – it’s about making sure families have the right structures and liquidity in place to avoid unnecessary stress.

Now is the time to take advice.

Speak to a Lonsdale financial adviser and read our latest article to understand the risks and the planning opportunities available.

https://www.lonsdaleservices.co.uk/news-the-hidden-inheritance-tax-cash-flow-trap-facing-high-net-worth-families-992



Please note: The contents of this article are for information purposes only and do not constitute individual financial advice. The information contained within this article is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change. The Financial Conduct Authority does not regulate estate planning, tax advice, trusts and wills.

Trying to figure out how to pay for private school fees?Private school fees are one of the biggest financial commitments...
24/04/2026

Trying to figure out how to pay for private school fees?

Private school fees are one of the biggest financial commitments many families will ever face, but with the right plan, they don’t have to feel overwhelming.

Starting early can make a significant difference. Not only does it spread the cost over time, but investing wisely also means potential growth can help ease the overall burden.

If you’re thinking about your child’s private secondary education, this article breaks down the true costs, planning considerations, and practical ways to save more effectively.

If you’d like tailored guidance, speak to our financial advisers – we’re here to help you plan with clarity and confidence.

https://www.lonsdaleservices.co.uk/news-how-to-save-for-your-childs-private-secondary-education-986



Please note: 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. The Financial Conduct Authority does not regulated advice on Trust Planning.

Are your pensions really as “tax-efficient” as you think?For years, many people have viewed pensions as a smart way to p...
22/04/2026

Are your pensions really as “tax-efficient” as you think?

For years, many people have viewed pensions as a smart way to pass on wealth, often sitting outside of your estate for Inheritance Tax (IHT).

But that’s expected to change.

From April 2027, unused pension funds are expected to be brought into scope for IHT. That means what you’ve built up over decades could potentially be taxed at up to 40% before it reaches your children or beneficiaries.

Let that sink in.

Combined with frozen tax thresholds and ongoing changes since April 2026, more estates could be pulled into IHT, sometimes without people even realising it.

This certainly isn’t about panic. It’s about awareness.

👉 Could your pension push your estate over the IHT threshold?
👉 Could your family face a larger tax bill than expected?
👉 Have you reviewed how your pension fits into your overall financial plan?

The rules aren’t final yet, but the direction is clear: pensions can no longer be looked at in isolation.

Planning ahead now could make a significant difference later.

Take a few minutes to read this important article and consider where you stand.

https://www.lonsdaleservices.co.uk/news-how-the-2026-and-2027-pension-changes-could-increase-your-iht-liability-983



Note: 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 Financial Conduct Authority does not regulate advice on estate planning.

Divorce can be one of the most challenging life events – emotionally and financially.One area that’s often overlooked? P...
20/04/2026

Divorce can be one of the most challenging life events – emotionally and financially.

One area that’s often overlooked? Pensions.

If you (or someone you know) are going through a divorce and are unsure what happens to your pension, or your spouse’s, it’s crucial to understand your options.

In many cases, pensions can be one of the most valuable assets involved, sometimes even more than the family home.

From pension sharing to offsetting, the decisions made now can have a lasting impact on your financial future.

We’ve put together a clear, supportive guide to help you understand how pensions are treated in UK divorce settlements and what it could mean for you.

👉 Take a few minutes to read the full article: What Happens to Pensions During a Divorce in the UK?

https://www.lonsdaleservices.co.uk/news-what-happens-to-pensions-during-a-divorce-in-the-uk-980

If you have questions about the financial implications of divorce and pensions, and would like to discuss your situation confidentially, don’t hesitate to get in touch, we’re here to help.



Please note: 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 financial or legal advice. Past performance is not a guide to future performance.

Is your estate protected from Inheritance Tax?With thresholds frozen and legislative changes on the horizon, more famili...
24/03/2026

Is your estate protected from Inheritance Tax?

With thresholds frozen and legislative changes on the horizon, more families across Ringwood, Verwood, Ferndown, and beyond may be exposed to Inheritance Tax (IHT). Effective planning is no longer just for the very wealthy, it’s a key step for anyone wanting to protect their legacy and provide for loved ones.

Our latest article on Inheritance Tax Planning and IHT Advice with Lonsdale explains:

• How IHT applies to your property, pensions, and other assets
• Gifting strategies and exemptions that may reduce your estate’s liability
• Why professional advice is crucial to make informed, compliant decisions
• Upcoming changes to pension inclusion and relief caps

At Lonsdale, we focus on clear, tailored guidance that reflects your personal circumstances, helping you plan with confidence and clarity.

💡 Have questions about your own IHT situation?

We’re here to help. Contact us to review your arrangements and explore options that protect your family and your legacy.

Read the article in full here: https://www.lonsdaleservices.co.uk/news-inheritance-tax-planning-and-iht-planning-advice-with-lonsdale-977



Please note: The contents of this article are for information purposes only and do not constitute individual financial advice. The Financial Conduct Authority does not regulate estate planning, tax advice, trusts and wills.

🚨 Protect your bank account from takeover fraud!Account Takeover Fraud (ATF) is on the rise, and criminals are getting m...
19/03/2026

🚨 Protect your bank account from takeover fraud!

Account Takeover Fraud (ATF) is on the rise, and criminals are getting more sophisticated.

Understanding how they operate and knowing the warning signs can make all the difference.

From phishing emails and fake calls to malware and social engineering, fraudsters use multiple tactics to gain access to your account. Simple steps like keeping passwords secure, enabling multi-factor authentication, and verifying suspicious messages can help keep your finances safe.

Take a few minutes to read this article and learn how to protect yourself: https://www.lonsdaleservices.co.uk/news-how-to-prevent-account-takeover-fraud-974

Are you confused by trusts and how they fit into your financial planning? Trusts can be a valuable tool for:• Providing ...
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.

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