Glenrose Financial Planners

What’s the point of investing your hard-earned money if a significant portion of your profits is going to be eaten up by taxes?

Taking a tax-efficient approach to investing will help you keep more of your returns and reach your financial goals faster.

Whether you’re a working or retired individual or an entrepreneur or business owner, Glenrose Financial Planners can help. We can offer advice, strategy and solutions that can help you optimise your tax efficiency using the various tax wrappers available in the regulated environment. As an independent financial adviser, our recommendations always contain a fundamental component of sound tax planning. We also work alongside tax and audit specialists and accountants to offer a holistic, 360° approach to every client.

To learn more about our tax planning services and how they can help you minimise your liabilities while staying compliant and within the law, book a free, no-obligation consultation. We look forward to hearing from you.

https://www.glenroseifa.co.uk/contact/

Who else is leaving work early to watch the match?

Representing at 🤍

Happy National Biscuit day! The perfect excuse to make a cuppa and grab a biscuit. The results of the Glenrose favourite biscuit poll are in:

Chris is partial to a ginger nut
Steve also likes a ginger biscuit but has been known to upgrade to a caramel digestive!
Katy likes to dunk a chocolate bourbon
Neil goes for a dark chocolate digestive
Ruth will have a chocolate hobnob every time!
Monty loves stealing biscuits from Chris's grandchildren!

What's your favourite?

When Monty's not holding down the fort at Glenrose, he likes to let loose with his best mate, Arthur.

Meet the Team: Here's the final, but most important member of our team - Monty. We asked Monty what he likes most about working at Glenrose, he replied "woof, woof, bark, grrr" which we took to mean "the biscuits!".

Have a look at our latest blog: Why Professional Advice in your 20s and 30s is essential.

Seeking professional financial advice in your 20s and 30s is one of the most important steps you can take to secure your financial future. While it may be tempting to try to manage your finances on your own, the risks of DIY financial planning are significant. Lack of expertise, costly mistakes and missed opportunities can all have a negative impact on your long-term financial success.

By working with a qualified adviser like Glenrose, you’ll benefit from personalised guidance, expert knowledge and objective advice that supports your unique goals and circumstances. So, wherever you are in your financial journey, whether you’re just starting out or a few years in, we can give you the advice, support and guidance you need to secure a brighter financial future. To find out how, get in touch today.

Why financial advice in your 20s and 30s is essential | Glenrose In this blog, we’ll explore the advantages of seeking professional financial advice in your 20s and 30s.

Happy 50th birthday to our awesome colleague and friend, Katy. Wishing you all the best for the next decade! # # 🎁🎈🎊

Meet the Team: Katy Wright

Katy has been with Glenrose for 16 years. Prior to this, she was a business owner herself. She understands the need for good rapport, good customer service and how business works. Katy is usually your first point of contact as a new client to Glenrose.

Here's Neil and Katy's dog, Molly, enjoying an ice-cream on her holidays on a rare sunny day! We'd love to see pics of your pets enjoying life!!

Meet the team: Ruth Cocker

Ruth previously worked as a PA to a director of a major plc in Derby. She has particular experience in business administration and has been responsible for organising multi-national conferences and training courses. Ruth has responsibility at Glenrose for business processes and administration.

Can your pension sustain your retirement?

If you’re not already actively saving for retirement, now’s the time to start. And if you are, great, but maybe it’s time for a review to see where your retirement plan is at and if it can be updated or improved?

No matter where you are in your retirement saving journey, the key is to act now. If you’re unsure about how to get started or want to ensure that you’re making the most of your pension, we can help. With years of insight, expertise and experience, we can help you navigate through the complexities of planning for retirement to help ensure your pension will support your aspirations.

Remember, the steps you take today will secure your financial tomorrow. Get in touch now to see how we can help.

Meet the team: Neil Melton, Chartered Financial Planner

Neil has over 25 years' experience in financial services, and is a qualified Chartered Financial Planner with the highest accolade in the profession as well as gaining a Masters degree in financial planning and business management. Neil enjoys getting outdoors, running and supporting his local community.

Making the most of a pension is your best chance of securing a decent income when you retire.

Some key questions to consider:

Do you know how much you need to retire?
Do you know how much you have in your pension pot?
Have you considered the type of lifestyle you want after retirement?
Should your pension plans be all together?
What sort of income can I get from these?
What is the tax position?
How much can I pay into a pension plan?
How tax efficient is my pension plan?
Can I use my pension to assist my business or buy a property?

We can help you answer all these questions, get organised and give you the confidence to retire, knowing your financial future is fully planned, enabling you to live the life you want.

Meet the Team: Steve Wragg, Financial Planner

Steve has almost 40 years in the financial services sector. He's a financial adviser with an eye for the “devil in the detail” and a love of art, which makes for an interesting combination.

On International Women's Day in the fast-paced world of finance, colleagues come together to celebrate the remarkable achievements and contributions of women in the industry.

Happy International Women's Day from Katy and Ruth! 💜

With the end of the financial year fast approaching, it’s crucial to consider how you can make the most of your Individual Savings Account (ISA) allowance.

ISAs are a cornerstone for saving and investing in the UK, offering a tax-efficient shelter for your hard-earned money. Whether you’re a seasoned saver or taking your first steps into the world of investments, understanding the nuances of ISAs is key to maximising your financial health.

However, with this year’s ISA deadline fast approaching, acting now is crucial to make the most of your allowance. Whether you have a lump sum to invest or are looking for some expert guidance and advice on how to maximise your allowance before the deadline, we can help.

Give our friendly, expert team a call today to discover how. Or if you'd like to learn more about ISAs, read the blog on our website at https://www.glenroseifa.co.uk/are-you-ready-for-the-isa-deadline/

As the end of the tax year approaches, now is the time to think about opening an ISA, or making the most of your annual ISA allowance within an existing ISA. We'll be posting more information on ISA allowances later this week.

ISAs allow you to save or invest money without paying tax on the interest, dividends or capital gains you earn (within certain limits), making them an incredibly effective tool for growing your wealth over time. There are several types of ISAs to suit different financial goals:

Cash ISAs are perfect for risk-averse savers, providing a safe place to store cash with interest without the tax.
Stocks and Shares ISAs offer the potential for higher returns by investing in the stock market, albeit with greater risk.
Junior ISAs are an excellent way to build a nest egg for your children. They provide a tax-free savings container for children under 18, allowing parents and guardians to invest in their child’s future without the worry of tax on the interest or gains.
Lifetime ISAs are designed to help you save for your first home or retirement, with the Government adding a 25% bonus on contributions up to a set limit.

Beyond their immediate benefits, ISAs encourage saving habits and provide a means to grow your wealth over time without the worry of tax on your gains or income.

If you would like more information on ISAs, or any of our other financial services, please contact our team at Glenrose Financial Planners.

Chris had a great time visiting Media City in Salford to watch Match of the Day being produced. Fascinating to see the skill and dedication of the production team, to meet Gary Lineker and Shay Given and to see what goes on behind the scenes! It reminded him of how much background work is done at Glenrose in order to present the client with an understandable and suitable financial plan!

Meet the team: Chris Leafe, Director.

Chris founded Glenrose Financial Planners in 1990 and has has over thirty years experience in the Financial services sector with additional stints as a baker and choirboy! Fun fact about Chris is he's the only member of the team who has cut his own record!! Despite it's lack of success, Chris still enjoys his music and is learning to play the drums!

Thanks to Marketing Derby for a really interesting visit to Derby County Football Club today. Paul Warne, Steve Pearson and Simon Carnall gave a very informative talk in which they stressed that Derby County is not just about the football, it's about what the football club means to the City. Everyone involved, from the owner through to the staff and players are all aware of how important their roles are in the club's success, and ultimately its contribution to the City of Derby.

Congratulations to our colleagues Katy and Neil on their recent(ish)! nuptials. We finally have a photo to post! The Glenrose Dating Agency celebrates its first success!😄

Our new website is up and running. Have a look at www.glenroseifa.com.

Thanks to Dan and everyone at Quick By Design - QBD for all your assistance - and patience!!

Financial Planners Derbyshire, Retirement Planning Specialists | Financial planners Derby From our base in Derby, we work across the East Midlands to ensure our clients receive expert financial advice that is straightforward, clear and jargon free.

You can now see our sponsor board at Mickleover Sports Football ground.

The current minimum pension age is 55. This means you can access pension funds when you reach age 55 including drawing 25% of your pension as tax free cash.

The government is increasing the minimum pension age from 55 to 57 on 6 April 2028. If you are a member of a registered pension scheme, this will be the earliest age that you’ll be able to access your pension savings.

If you have a personal pension and this affects you, you may wish to speak to one of our advisers to make sure you’re taking the new rules into account in your pension planning.

Visit our website at www.glenroseifa.co.uk to book an appointment with one of our advisers, or call Katy on 01332 297500.

Glenrose Financial Planners now takes appointments on their Page.

Our Cryptocurrency event has now been pushed back a day to 21st October, if you sign up and register but are unable to attend we will make the recording available for 7 days after the event to watch.
https://www.eventbrite.co.uk/e/what-you-should-know-about-crypto-currency-tickets-184678296757

What you should know about Crypto Currency From Bitcoin to Ethereum, XRP to ADA, there are a plethora of cryptocurrencies out there, but what do we need to know?