Pembroke Financial Services Ltd

27/10/2025

How a cashflow model can turn retirement anxiety into excitement Retiring should be a milestone you look forward to. Sadly, research shows UK adults associate spending their retirement savings with negative words, and it could... READ MORE HERE: https://pembrokefinancial.co.uk/how-a-cashflow-model-can-turn-retirement-anxiety-into-excitement

26/10/2025

Phasing into retirement: The flexible options you might consider Almost half of workers aged over 50 are already phasing into retirement or would like to do so in the future. Find out why a... READ MORE HERE: https://pembrokefinancial.co.uk/phasing-into-retirement-the-flexible-options-you-might-consider

26/10/2025

3 steps you can take to create a charitable legacy Leaving a gift to charity in your will is a lovely legacy, supporting causes close to your heart. It could even help to lower your... READ MORE HERE: https://pembrokefinancial.co.uk/3-steps-you-can-take-to-create-a-charitable-legacy

25/10/2025

The essentials you need to know if you’re considering gifting your home to your children Your home is likely to be one of the largest assets you own. So, you might be thinking about gifting it to your children to... READ MORE HERE: https://pembrokefinancial.co.uk/the-essentials-you-need-to-know-if-youre-considering-gifting-your-home-to-your-children

25/10/2025

How the Labour government could change Stamp Duty in the Autumn Budget On 26 November, the chancellor, Rachel Reeves, will deliver the government’s Autumn Budget. There’s speculation that some of the announcements could affect homeowners, including changes... READ MORE HERE: https://pembrokefinancial.co.uk/how-the-labour-government-could-change-stamp-duty-in-the-autumn-budget

24/10/2025

Why stock market volatility can trigger financial bias When markets experience volatility, even level-headed investors can let their emotions or other influences affect their decisions. Discover some of the ways financial bias might... READ MORE HERE: https://pembrokefinancial.co.uk/why-stock-market-volatility-can-trigger-financial-bias

27/09/2025

Don’t have a will? Here’s how your estate would be distributed under intestacy rules The number of people passing away without a valid will increased by 25% between 2020/21 and 2023/24. Discover how your estate might be distributed under... READ MORE HERE: https://pembrokefinancial.co.uk/dont-have-a-will-heres-how-your-estate-would-be-distributed-under-intestacy-rules

26/09/2025

Why the Labour government could reform the State Pension and what it means for you Findings from the Office of Budget Responsibility suggest changes to the State Pension could be introduced to reduce government outgoings. Find out why, what options... READ MORE HERE: https://pembrokefinancial.co.uk/why-the-labour-government-could-reform-the-state-pension-and-what-it-means-for-you

26/09/2025

5 challenges a financial midlife MOT could help you overcome Your midlife can be an exciting time; you may have ticked off some goals or bucket list items and are looking forward to what the... READ MORE HERE: https://pembrokefinancial.co.uk/5-challenges-a-financial-midlife-mot-could-help-you-overcome

25/09/2025

What could a Labour wealth tax look like? Chancellor Rachel Reeves is facing some difficult decisions ahead of the Autumn Budget, and one option that’s reportedly under consideration is a wealth tax. Find... READ MORE HERE: https://pembrokefinancial.co.uk/what-could-a-labour-wealth-tax-look-like

25/09/2025

The 3 steps to achieving financial wellbeing This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He... READ MORE HERE: https://pembrokefinancial.co.uk/the-3-steps-to-achieving-financial-wellbeing

24/09/2025

Don’t have a will? Here’s how your estate would be distributed under intestacy rules The number of people passing away without a valid will increased by 25% between 2020/21 and 2023/24. Discover how your estate might be distributed under... READ MORE HERE:

The number of people passing away without a valid will increased by 25% between 2020/21 and 2023/24. Discover how your estate might be distributed under intestacy rules, and why it’s important to set out your wishes in a will.