Redwood Financial Family Wealth & Estate Planners Ltd

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Redwood Financial Family Wealth & Estate Planners Ltd We are a firm of Certified Financial Advisers & Estate Planners based in Hampshire, dedicated to adv This means there is more money for you and your family.

At Redwood, we believe in treating clients as people, not just as a number. This “family” philosophy makes our company unique amongst many other financial advisers and is something we are very proud of. We are a firm of Certified Financial Advisers & Estate Planners and we help clients in two ways, firstly by managing your wealth and secondly by protecting your estate. What makes us different is that we prefer to work with families as we believe helping families is the most important and rewarding thing we can do. Our offices are based between Wickham & Droxford and we help clients predominantly around Portsmouth, Southampton, Petersfield & Chichester, although we have clients throughout Hampshire and West Sussex.

15/10/2026

Cash ISA vs Stocks & Shares ISA: Is your money safe in cash, or quietly losing value to inflation?

Cash ISAs and Stocks & Shares ISAs are both tax-efficient wrappers, but they serve different purposes.

A Cash ISA can be suitable for emergency Savings, short-term goals and money you cannot afford to see fall in value. It is about access and certainty.

A Stocks & Shares ISA may be more suitable for longer-term goals where you can accept Investment risk and market volatility. It gives money the opportunity to grow, but the value can go down as well as up.

Cash can protect the number on your statement. It does not always protect what that money can buy in the future. Inflation can quietly erode long-term Savings if too much money sits in cash for too long.

The right answer depends on your goal, time horizon, risk tolerance and how much emergency cash you need.

Your Recomended Actions....

Arrange a Financial Planning review to decide how much should sit in Cash Savings and how much could be invested through ISAs for longer-term goals. https://zurl.co/c1LFU

Watch our Savings & Investments Planning Webinar at https://zurl.co/XGwbL

Income Tax After Death: What Executors Need to Know Most families think about Inheritance Tax when someone dies.But Inco...
12/10/2026

Income Tax After Death: What Executors Need to Know

Most families think about Inheritance Tax when someone dies.

But Income Tax can also be an important part of Probate and Estate Administration.

Executors may need to review the deceased person’s Income Tax position from 6 April up to the date of death. This can include income from Pensions, Savings, Investments, dividends, rental property, employment, or self-employment.

In some cases, the Estate may be due an Income Tax refund. In others, additional tax may be due.

Income Tax can also arise during Probate if the Estate continues to receive bank interest, Investment dividends, rental income, or other taxable income before assets are distributed to beneficiaries.

This matters because Executors are responsible for ensuring tax affairs are properly handled before distributing an Estate.

If Income Tax is overlooked, an Executor could become personally responsible for unpaid tax.

Our latest article explains what Executors and families need to know about Income Tax after death, HMRC reporting, Probate, Estate income, and why careful record-keeping matters.

Read the full article here: https://zurl.co/lVDPz

08/10/2026

How Do You Calculate Inheritance Tax in the UK?

Inheritance Tax is usually not 40% of everything. The real question is: 40% of what?

A rough house-value calculation can create false comfort or unnecessary panic.

To estimate Inheritance Tax properly, you first need to value the full Estate. That may include property, Savings, Investments, possessions, business interests, life policies, Trust interests and certain lifetime gifts.

Then you consider debts, liabilities, allowable expenses, exemptions, reliefs and available nil-rate bands. The standard Inheritance Tax rate is generally 40% on the taxable amount above available thresholds, not automatically on the whole Estate.

The residence nil-rate band, transferable allowances, gifts, spouse or civil partner exemptions, Trusts, business assets and Pension rules can all affect the result.

A calculation is only as good as the assumptions behind it.

Your recommended actions....

Arrange an Estate Planning review to estimate your likely Inheritance Tax position and identify planning options before decisions become urgent. https://zurl.co/cS8l7

Join our Free Wills, Trusts & Estate Planning Seminar, 17th September, in Southampton: https://zurl.co/mFNDn

Watch our Wills, Trusts & Estate Planning Webinar at https://zurl.co/gbiDU

💷 Make More of Your Money This Tax YearThe end of the Tax Year might feel a long way off, but good Tax Planning doesn’t ...
05/10/2026

💷 Make More of Your Money This Tax Year

The end of the Tax Year might feel a long way off, but good Tax Planning doesn’t need to wait until April.

Taking a little time now to review your allowances could help you make more of your money and avoid missing opportunities later.

For the 2026/27 Tax Year, some of the key allowances include:

• ISA allowance: £20,000
• Junior ISA allowance: £9,000
• Capital Gains Tax annual exemption: £3,000
• Dividend Allowance: £500
• Pension Annual Allowance: up to £60,000
• Inheritance Tax annual gifting exemption: £3,000

You may also be able to make use of Pension carry forward from previous Tax Years, tax-efficient gifts to family, and other allowances depending on your circumstances.

The important thing is that Tax Planning isn’t simply about paying less tax. It’s about making sensible use of the allowances available to you as part of your wider Financial Planning.

Everyone’s circumstances are different, so it’s important to get Professional Advice before taking action.

Your Recomended Actions....

If you’d like us to review your position and see whether there are allowances you could be making better use of, get in touch with the Redwood Financial team.

👉 https://zurl.co/boIT7

01/10/2026

ISA vs Pension: Which Should You Use?

ISA or Pension? For many people, the answer is not one or the other. It is both, used properly.

ISAs and Pensions are both valuable tax wrappers, but they do different jobs.

Pensions can be powerful for long-term Retirement Planning because of tax relief and, in workplace schemes, employer contributions. The trade-off is access. Pension money is designed for later life and cannot usually be used for short-term needs.

ISAs offer flexibility. You usually don't receive Pension-style tax relief on the way in, but income and gains inside an ISA are tax-efficient, and access is much easier. That can make ISAs useful for emergency funds, medium-term goals, early retirement bridging and flexible income later.

The mistake is treating ISA vs Pension as a simple competition. The better question is what job each wrapper should do in your Financial Plan.

Your recommended actions......

Speak to Redwood about building a joined-up Savings, ISA and Pension Planning strategy based on your tax position and time horizon. https://zurl.co/jPnCZ

Watch our Pensions and Retirement Planning Webinar at https://zurl.co/gIUxE

✨ Inheritance Tax Solved: Free Webinar✨Worried about leaving your loved ones with a big tax bill? Join our Inheritance T...
28/09/2026

✨ Inheritance Tax Solved: Free Webinar✨

Worried about leaving your loved ones with a big tax bill?

Join our Inheritance Tax Planning Webinar and discover practical strategies to safeguard your wealth while making informed choices for the future.

In this Webinar, we will cover:
✅ How life insurance can reduce IHT
✅ The benefits of gifting money or assets during your lifetime
✅ How to plan investments with inheritance in mind
✅ Why enjoying your wealth now can be tax-efficient
✅ Ways to leave a legacy early for family and friends

🖥️ Online: easy to join from anywhere, and watch at a time that works best for you!
👉 Register now: https://zurl.co/MIbUj

Make your money work for you, and the people you care about most.

24/09/2026

Which Is Best: Pension Drawdown vs Annuity

Would you rather have flexible access to your Pension, or income you cannot outlive?

Pension drawdown and annuities are two very different ways to turn Pension Savings into retirement income.

Drawdown usually keeps your Pension invested and allows flexible withdrawals. That can help with tax planning, changing income needs and legacy planning. But you keep the Investment risk, sequencing risk and the risk of running out of money.

An annuity can provide guaranteed income, often for life. That certainty can be valuable, especially for essential costs. But it may reduce flexibility, and the choices made at the start can be difficult or impossible to reverse.

For some people, the best answer is not either/or. A blended strategy can use secure income for essential spending and drawdown for flexibility and discretionary spending.

The product should follow the plan, not the other way around.

Your recommended actions....

Arrange a Retirement Planning review to compare drawdown, annuity and blended strategies against your income needs, tax position and long-term objectives. https://zurl.co/iIWdG

Watch our Pensions and Retirement Planning Webinar at https://zurl.co/PZS8c

Oh No!! Did You Miss Our Seminar last Thursday?We're sorry if you missed out on our FREE Inheritance Tax Seminar at the ...
21/09/2026

Oh No!! Did You Miss Our Seminar last Thursday?

We're sorry if you missed out on our FREE Inheritance Tax Seminar at the King's Conference Centre last week, and the opportunity to understand how to protect your Estate and secure your family's future.

With Inheritance Tax receipts for the period from July 2025 to June 2026 totalling £8.56bn, an increase of £178m compared to the same period last year, those attending were eager to learn how to legitimately protect their legacy from the continuation of frozen Personal Tax Allowances since 2009, and the further changes to Inheritance Tax announced in last Autumn's Budget.

The good news is that we have a recording of our Seminar content available for you to watch from the comfort of your own home!

📺 Register for our FREE Webinar and watch Online https://zurl.co/GJd0w

At Redwood, we believe in empowering you with the knowledge to safeguard your Estate. Our Seminars and Webinars have already helped thousands, now it's your turn!

Don't leave your legacy to chance. Act now and ensure your loved ones are protected.

17/09/2026

Should I Still Leave My Pension Untouched for Inheritance Tax Planning?

Leaving your Pension untouched used to be a common strategy. From April 2027, you may need to rethink it.

Many retirees have been told to spend non-Pension assets first and preserve Pension funds for inheritance. That often made sense when unused Pension funds could sit outside the Estate for Inheritance Tax purposes.

From 6 April 2027, most unused Pension funds and Pension death benefits are due to be included in the Estate for Inheritance Tax. That means the old order of withdrawals may need to be tested again.

However, this does not mean everyone should rush to spend their Pension first. Drawing too much Pension income can create Income Tax problems, reduce retirement security, increase cash inside the Estate, or leave less flexibility for later life.

The right answer depends on income needs, tax bands, Cash Savings, ISAs, Investments, health, spouse or civil partner planning, care needs and legacy goals.

Your recommended actions...

Arrange a Retirement Income and Estate Planning Review before making major Pension withdrawals or changing your legacy strategy. https://zurl.co/IfT7U

🚨 LAST CALL: September Estate Planning Seminar!There’s still time to secure your place at our FREE PUBLIC INFORMATION SE...
14/09/2026

🚨 LAST CALL: September Estate Planning Seminar!

There’s still time to secure your place at our FREE PUBLIC INFORMATION SEMINAR on Thursday, 17th September 2026, but places are limited.

Inheritance Tax receipts reached a record £8.5bn in the 2025/26 tax year, and with frozen Personal Tax Allowances and further changes to Inheritance Tax, more families could find their Estate exposed than they realise.

Our Seminar will show you practical ways to help protect your wealth and plan for a smoother transfer to your children and loved ones.

What we’ll cover:

* Real case studies based on Clients we have helped
* Understanding Inheritance Tax and how it may affect your Estate
* Available exemptions and reliefs
* Strategic Estate Planning options to help protect your wealth

🗓️ Thursday, 17th September 2026
📍 King's Conference Centre, Hedge End, Southampton, SO30 4BZ
⏰ Morning, Afternoon & Evening sessions available

Booking is required, and places are going fast.

👉 Reserve your place now: https://zurl.co/5qrwN

Can’t make it in person? You can also register for our recorded Webinar:

📺 Watch Online: https://zurl.co/hYhYv

Don’t leave your Estate Planning until it’s too late.

Book your place today and make sure you understand the options available to protect your Estate and your loved ones.

Address

The Rumpus, St Clairs Farm, Wickham Road
Wickham
SO323PW

Opening Hours

Monday 9:15am - 4:45pm
Tuesday 9:15am - 4:45pm
Wednesday 9:15am - 4:45pm
Thursday 9:15am - 4:45pm
Friday 9:15am - 4:45pm

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