TPD Wealth Management Ltd

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TPD Wealth Management Ltd Whatever the future brings, we'll strive to produce tailored solutions as individual as you are.

We offer free of charge Pension Reviews to help people potentially boost their income in retirement. This will look at the effect of pension charges on your funds, and see if you can benefit from transferring to a more competitively charged pension.

3 ways business owners could plan for the unexpected:1. Have an emergency fund you can use to pay for short-term outgoin...
26/10/2026

3 ways business owners could plan for the unexpected:

1. Have an emergency fund you can use to pay for short-term outgoings
2. Take out appropriate financial protection
3. Register a Lasting Power of Attorney

Read our blog, linked below, to find out more about how you could protect your business.

https://tpdwealth.co.uk/3-ways-business-owners-could-plan-for-the-unexpected/

Could Capital Gains Tax take more of your wealth than you expect?According to the Office for Budget Responsibility, HMRC...
23/10/2026

Could Capital Gains Tax take more of your wealth than you expect?

According to the Office for Budget Responsibility, HMRC is forecast to collect £29.8 billion in Capital Gains Tax by 2030/31, more than double the £13.7 billion collected in 2024/25.

With the Annual Exempt Amount now just £3,000 and tax rates higher than they were a few years ago, more people could find themselves with a bill when disposing of investments, property, or other assets.

Read our latest blog, linked below, to discover 5 ways you might reduce a future Capital Gains Tax liability.

https://tpdwealth.co.uk/explained-capital-gains-tax-and-how-you-could-reduce-your-liability/

3 psychological reasons you might prefer cash to investments:1. Market movements can make investing feel uncertain2. The...
21/10/2026

3 psychological reasons you might prefer cash to investments:

1. Market movements can make investing feel uncertain
2. The fear of losing money could mean you favour cash
3. Cash is tangible, which may make it feel safer

Read our blog, linked below, to learn more about why cash might feel safer, and the potential impact of overlooking investing.

https://tpdwealth.co.uk/the-psychology-behind-favouring-cash-instead-of-investing/

Could a longer mortgage term make buying your first home more affordable?According to FTAdviser, 66% of mortgage holders...
19/10/2026

Could a longer mortgage term make buying your first home more affordable?

According to FTAdviser, 66% of mortgage holders under the age of 30 now have mortgage terms of between 30 and 40 years.

Spreading repayments over a longer period could reduce your monthly outgoings, which may help with affordability.

However, the total amount of interest you pay over the full mortgage term could be significantly higher.

Read our latest blog, linked below, to learn more about the pros and cons of ultra-long mortgages.

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it.

https://tpdwealth.co.uk/do-ultra-long-mortgages-provide-a-solution-for-struggling-first-time-buyers/

5 useful tips for avoiding headline-driven decisions ahead of the Budget:1. Limit your exposure to the news and social m...
16/10/2026

5 useful tips for avoiding headline-driven decisions ahead of the Budget:

1. Limit your exposure to the news and social media
2. Remember that speculation isn’t the same as policy
3. Keep in mind that not all potential changes will be relevant to you
4. There’s often a transition period before new policy is introduced
5. Build in a delay before you act on decisions

Read our blog, linked below, to find out more.

https://tpdwealth.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:1. Will your estate be liable for...
14/10/2026

5 questions to answer before you withdraw a pension lump sum to reduce Inheritance Tax:

1. Will your estate be liable for Inheritance Tax?
2. Would the withdrawal be subject to Income Tax?
3. How do you intend to use the money?
4. How might a large withdrawal affect your long-term income?
5. Are there other strategies you could use to reduce Inheritance Tax on your pension?

Read our blog, linked below, to learn more.

https://tpdwealth.co.uk/5-questions-to-answer-before-you-withdraw-a-pension-lump-sum-to-reduce-inheritance-tax/

We often get asked: if you've got a little spare money at the end of every month, what's the best way to use it?A common...
12/10/2026

We often get asked: if you've got a little spare money at the end of every month, what's the best way to use it?

A common choice is to use the extra cash to overpay your mortgage. However, this money could also be used for other things, such as saving or investing. So which is the right option for you?

There isn't a universal answer, but if you're weighing up your decision, read our blog, linked below, to discover the pros and cons of overpaying your mortgage.

https://tpdwealth.co.uk/is-overpaying-your-mortgage-the-right-financial-move/

Are you neglecting your personal finances in favour of focusing on your company?Your business may be among your largest ...
09/10/2026

Are you neglecting your personal finances in favour of focusing on your company?

Your business may be among your largest financial assets, but it is important to remember that your personal finances exist separately.

Taking time to review your own financial plans can help you make more informed decisions and ensure your personal goals remain on track.

Read our blog, linked below, to discover 5 important tasks you should consider completing this year if you haven't already.

https://tpdwealth.co.uk/the-personal-finance-tasks-business-owners-should-complete-before-the-end-of-2026/

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the...
07/10/2026

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the Autumn Budget.

The weeks leading up to an Autumn Budget always feature rumours about what might change and how it could affect personal finances.

With this Budget being the first for Prime Minister Andy Burnham and Chancellor John Healey, speculation is particularly rife.

To discover how you can avoid headline-driven decisions in the run-up to the Budget, click the link below.

https://tpdwealth.co.uk/6-useful-tips-for-avoiding-headline-driven-decisions-ahead-of-the-budget/

What are you planning to do after you exit your business?Entrepreneurs often find that their personal goals and finances...
05/10/2026

What are you planning to do after you exit your business?

Entrepreneurs often find that their personal goals and finances become entwined with those of the business.

So, once you exit the business, it might feel like starting over from scratch.

Making what comes next part of your exit strategy could make the transition easier and allow the business decisions you make to support your lifestyle goals.

Read our blog, linked below, to discover why selling your business isn't the finish line and how to prepare for what comes after.

https://tpdwealth.co.uk/business-owners-selling-your-business-isnt-the-finish-line/

Address

30 Great Underbank
Stockport
SK11NB

Opening Hours

Monday 9:30am - 6:30pm
Tuesday 9:30am - 6:30pm
Wednesday 9:30am - 6:30pm
Thursday 9:30am - 6:30pm
Friday 9:30am - 3:30pm

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