Steven Cliff

Steven Cliff Independent Financial Advice for Retirement, Investments, mortgages and Equity Release

Feeling unsure about investing is more common than you might think.Markets can seem complex and the language unfamiliar....
29/05/2026

Feeling unsure about investing is more common than you might think.

Markets can seem complex and the language unfamiliar. News headlines can add to the uncertainty. Confidence can often matter as much as money. Taking time to understand what you're doing can make investing feel more manageable.

You don't need to know everything at once. Learning gradually and taking small, considered steps can help you move forward with confidence.

If you'd like guidance at your own pace, I'm here to help.

You might be getting a helpful top up on your pension contributions without realising it. Pension tax relief is one of t...
28/05/2026

You might be getting a helpful top up on your pension contributions without realising it. Pension tax relief is one of the main ways the government helps you save for retirement, but it's easy to overlook.

Put simply, some of the money that would normally go to tax is added to your pension instead. When you pay in, the government tops up your contribution based on your tax position, helping to boost your savings.

For some workplace pension schemes, tax relief is added automatically. For Personal Pensions, the government provides a top-up in the form of tax relief, increasing the amount saved. And for higher or additional rate taxpayers, there may be further tax relief available. This isn't added to the pension at source, instead, it's claimed back from HMRC, usually through Self Assessment or by adjusting your tax code.

As you can see, how tax relief works can vary depending on your circumstances, which means it's not always obvious how it's applied.

Taking a little time to understand pension tax relief can help you feel more confident about your retirement savings. Even a small amount of clarity now could help support your longer term plans.

Tax rules can change, and the impact of taxation and any tax relief depends on your circumstances, including where you live. If you'd like help understanding how pension tax relief works for you, feel free to get in touch and start a conversation.

When life starts moving faster, money can quietly feel harder to keep top of.As your career develops, family life change...
27/05/2026

When life starts moving faster, money can quietly feel harder to keep top of.

As your career develops, family life changes or new milestones appear, your finances can begin to feel more complicated. What once felt straightforward may now come with more questions and more responsibility.

Financial planning isn't about reacting to everything happening right now. It's about helping you understand where you're heading and what you might need along the way. It can include thinking ahead to retirement, making sense of workplace pensions, or considering how to protect the people you rely on you.

You don't have to work everything out at once to start feeling clearer about where you're heading. Taking a step back to look at the bigger picture can help you feel more in control and less overwhelmed. A well thought through plan can bring reassurance, helping today's decisions feel more connected to what matters to you long term.

If your life has changed recently, or you feel like your finances deserve a little more attention, having a conversation about the bigger picture could be a helpful place to start.

Preparing for major life changes can bring both practical and emotional challenges, and divorce is no exception. When a ...
02/05/2026

Preparing for major life changes can bring both practical and emotional challenges, and divorce is no exception. When a relationship ends, the financial implications could be wide-ranging, particularly if money and assets were previously managed together.

There's several areas that individuals may need to navigate, from dividing shared assets and reviewing property arrangements to reassessing pensions and adjusting long-term financial plans. This period can feel uncertain, especially when routines and responsibilities are shifting.

Understanding the options available may help to help bring clarity during a complex time. And if circumstances do change, you don't have to navigate the financial side alone. With the right support, you can rebuild clarity, confidence and control over your future. Get in touch if you'd like to chat more.

As spring arrives and the days grow brighter, the shift in season can be a perfect time to focus on your health and well...
30/04/2026

As spring arrives and the days grow brighter, the shift in season can be a perfect time to focus on your health and wellbeing. Longer evenings and milder weather can make it easier to refresh routines and introduce habits that carry through the year.

The start of a new tax year can offer a similar opportunity for your financial health. It's a point in the calendar when you may choose to take stock of your plans, revisit your goals and check how everything aligns with where you want to be. Just as physical wellbeing benefits from steady attention, financial wellbeing can also build through regular check-ins and clear direction.

Taking a little time to look after both your wellbeing and your financial landscape could help you feel more confident and better prepared for the months ahead. If you'd like some clarity as you plan ahead, I'm happy to chat.

Many people feel they don't truly understand investing, and that's more common than you might think. The world of market...
30/04/2026

Many people feel they don't truly understand investing, and that's more common than you might think. The world of markets, funds and risk can seem complex, especially if it's not something you've had to engage with before.

It's OK not to know all the details; investing isn't something most of us learn at school. What matters is seeking support when you need it. Investing carries risk, and the value of your investment can go down as well as up. So, with guidance, you can help build confidence, understand the risks and I can ensure decisions align with your goals.

You don't need to have all the answers, having access to clear guidance can help you make informed decisions about your financial future. Feel free to get in touch and I can discuss your situation together.

April is Stress Awareness Month, a time when many people take a moment to reflect on the factors that might contribute t...
28/04/2026

April is Stress Awareness Month, a time when many people take a moment to reflect on the factors that might contribute to stress in their lives. For some, financial questions or uncertainty can play a part, taking small steps to understand their situation could help them feel more prepared.

As a financial adviser, I aim to support clients in understanding their financial options and considering how these relate to their future plans, so they can make decisions with greater clarity.

If you're looking to review your financial plans or simply want a space to talk things through, I'm here to help.

Happy to have a conversation anytime.

The London Marathon on 27 April is a great reminder that success rarely happens by accident. Preparing for 26.2 miles ta...
26/04/2026

The London Marathon on 27 April is a great reminder that success rarely happens by accident. Preparing for 26.2 miles takes planning, a clear objective and disciplined training. Financial planning can share some of these principles.

Long-term commitment and staying focused can help people adapt when circumstances shift, whether that's an injury before race day or a change in markets or personal priorities. Runners rely on coaches and support teams to guide them through setbacks and keep them accountable.

When it comes to financial planning, I aim to support clients in understanding their options and staying on track with their plans. With the right preparation, people may feel more confident about their goals. If you're thinking about a spring review, feel free to get in touch.

As we mark Global Intergenerational Week 2025 (24–30 April), it's a timely reminder of the value of strong connections b...
24/04/2026

As we mark Global Intergenerational Week 2025 (24–30 April), it's a timely reminder of the value of strong connections between generations, especially when it comes to family finances.

As families consider how wealth might be transferred across generations, it helps to have open, informed conversations about things like inheritance, gifting, and pensions. These discussions aren't always easy, but they could play an important role in helping protect family wealth and supporting each generation.

As a financial adviser, I often find that some families appreciate having professional advice when thinking about how their long-term plans might take shape. Every situation is different, but having a trusted professional to talk things through could help bring clarity and confidence, as different generations consider their future needs.

If you'd like to explore what this could look like for your own family, I'm always here for a conversation.

Feeling overwhelmed by your pension options? You're not alone.One of the most common things I hear is: "I didn't realise...
22/04/2026

Feeling overwhelmed by your pension options? You're not alone.

One of the most common things I hear is: "I didn't realise there were so many ways to take my pension… and I don't know which one is right for me."

And that's completely understandable. When you reach the point of accessing your pension, you'll usually have several choices, whether that's taking a lump sum, using drawdown, buying an annuity, or blending different approaches. Each route works differently, and each person's circumstances, goals, and tax position are unique.

That's why there's no "one-size-fits-all" answer. The right path depends on your situation, your lifestyle, income needs, family plans, health, and long-term priorities.

As a financial adviser, this is exactly where I help. My job isn't just to explain the options (although I'm very happy to do that), but to help you understand what each one could mean for you personally, without any guesswork, confusion, or pressure.

If you're approaching retirement, thinking about accessing your pension for the first time, or simply want clarity, I'm here to guide you through your choices in a clear and confident way.

If you'd like to explore what your options might look like, feel free to get in touch.

You don't need to navigate this alone.

Pension tax relief – ever wondered how it works?In the UK, pension tax relief is the way HMRC helps boost your pension c...
20/04/2026

Pension tax relief – ever wondered how it works?

In the UK, pension tax relief is the way HMRC helps boost your pension contributions by giving you tax relief on the money you pay in. How that relief is applied depends on how your pension scheme is set up.

With many personal and stakeholder pensions, contributions are paid net of basic-rate tax. The pension provider then claims 20% basic-rate tax relief from HMRC and adds it to your pension – this is known as relief at source.

If you're a higher or additional rate taxpayer, you may be entitled to further tax relief. It won't be added to your relief at source pension, instead, it's claimed back from HMRC, usually through Self Assessment or by adjusting your tax code.

Some workplace pension schemes use the net pay arrangement. In these schemes, contributions are taken from your gross pay before income tax is calculated, so higher- and additional-rate taxpayers automatically receive tax relief at their marginal rate through payroll – with no need to claim back.

Different methods, same principle: tax relief can mean that more money goes into your pension than it costs you personally. However, tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live.

Everyone's circumstances are different, so if you'd like personalised guidance on your pension tax relief, let's have a quick chat.

Address

Carlton Chambers, 15 Vaughan Parade, Harbourside
Torquay
TQ25EG

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

http://client.sandringham.co.uk/advisers/stev

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