Reef Financial Consulting Ltd

16/04/2026

Only a snippet of the relevant info, but the pending changes to inheritance tax rules around pensions will impact a lot of people.

Households will get more time to pay overdue council tax - and bills will be over 12 months, not 10. Read this and the rest of today's personal finance and consumer news below.

19/02/2026

For years, owning a portfolio of buy-to-let properties was seen as a reliable way to earn steady income and build long-term wealth. But the landscape has shifted. Rents continue to climb across much of the UK, however, tax changes and rising costs have made it more difficult for landlords to turn hi...

10/12/2025

https://www.reeffc.com/article/detail/sjpp/the-power-of-having-a-tax-plan-in-place.html?j=1034302&sfmc_sub=115469303&l=238_HTML&u=31958355&mid=510006270&jb=11006

With Tax year end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a tax plan can boost your income, preserve your wealth and prepare for the future.

26/11/2025

https://www.reeffc.com/article/detail/sjpp/the-autumn-budget-2025-topline-announcements.html

25/09/2025

This covers the basics of inheritance tax mitigation, though there are more options and who knows what will change in the budget...

You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.

24/05/2025

https://www.reeffc.com/article/detail/sjpp/when-do-i-need-to-start-saving-for-retirement.html?j=878756&sfmc_sub=115469303&l=238_HTML&u=29120256&mid=510006270&jb=2005

There are two key questions people tend to ask retirement. “How much money do I need?” and “Have I left it too late to start saving?”Both million dollar questions, but ones that many of us don’t seriously consider until we reach middle age. Our 2024 consumer survey carried out by Opinium o...

15/04/2025

A recent breakfast conversation with a client really brought it home to me. She admitted the constant news cycle made her consistently question her portfolio. I get it – the urge to act is human. But as we head into the second quarter, it’s important to remain disciplined and alert to the resili...

08/03/2025

07/03/2025

https://www.reeffc.com/article/detail/sjpp/your-family-financial-to-do-list-for-2025.html?j=852296&sfmc_sub=115469303&l=238_HTML&u=28356360&mid=510006270&jb=4006

More and more of us want to use our money to create family wealth, not just personal wealth. According to recent SJP research, almost 70% of us expect to support our families financially, both before and after we die.1

19/09/2024

Financially, it’s been a difficult few years for households, across all income brackets. As a result, many families focused down on day to day costs, at the expense of longer term investing and pension saving. Now, the government is widely reported to have its sights on raising certain taxes too, ...