Treetops Financial Planning Ltd

Did someone say cake? 😀

Our 2nd little mascot celebrated her 1st birthday this weekend!
🎈🎁🎉🥳🐾

With the new government’s first Budget scheduled for 30 October, we look at some of the potential changes being speculated about:

https://partnership.sjp.co.uk/article/detail/sjpp/what-can-we-expect-in-the-autumn-budget-2024.html

For it’s first Budget, the Labour Government is expected to make a number of tough decisions.

There has been widespread speculation to Government could look at pensions, Capital Gains Tax, Inheritance Tax, or even a ‘wealth tax’ to raise funds.

With so much uncertainty and speculation, it is important to make sure your financial plans are reviewed regularly.

❓HOW MUCH DOES PRIVATE EDUCATION COST❓

📘Independent school fees are still soaring with the average cost per child at a private boarding school now £37,032

⏳Private education can be affordable, providing you plan properly and give yourself as much time as possible to save.

✅Take financial advice to help you make the right choice about the most tax efficient way to achieve your goal.

⏰3 min read for more detail here⬇️
https://partnership.sjp.co.uk/article/detail/sjpp/how-much-does-private-education-cost.html

Had a great little getaway this weekend in the Lakes (thanks to our son!).

As a husband and wife only team, quality time together away from the business is essential, yet often overlooked.

Big thanks to the staff at the Lakes Hotel & Spa who couldn't do enough for us.

We look forward to returning at some point!

😍 🐾🐾

💡 Is it better to save or to invest your money? 🤔

Each can support your financial wellbeing and future goals, but in different ways.

We look at the differences, the pros and cons, and what it means for you and your family:

https://partnership.sjp.co.uk/article/detail/sjpp/should-i-save-or-invest-how-to-choose-wisely-and-well.html

❓ How much do you need to retire? ❓

As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.

🕑4 minute read....

What's the cost of a comfortable retirement? How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.

Client story: My finances are the one thing I don’t have to worry about. That’s a lovely feeling. Finding a financial adviser who shares your values can make all the difference, as SJP client Jo Cowper explains.

Interesting article! 🧐🤓
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St James’s Place review: is it any good? (2024) - Nuts About Money Here's our review of St James’s Place. Should you use it? Is it worth it? How do they treat their customers? Read this first – we're on your side.

Something to make you smile....

Our newest recruit! ❤
Thought I would share the (first groom) before and after photos!

Have a wonderful weekend everyone! 😊

Everyone is prone to letting their heart rule their head on occasion. But if you want to be a better investor, leave your emotions at the door:

https://partnership.sjp.co.uk/article/detail/sjpp/want-to-be-a-better-investor-listen-to-your-emotions.html

Getting into good money habits gives you greater confidence, control and financial wellbeing.
Start by making sure you’re not missing out on important tax breaks – before tax year-end:

Building good money habits in 2024 Building good money habits in 2024

A big thank you and Merry Christmas to all of our clients!

We hope you have a wonderful Christmas with your families

Wishing everyone health and happiness for 2024 🎊

Best wishes
Ade & Helen
and our TFP mascots! 🐾

New recruit at TreetopsFP!!

Melting our hearts already 🥰

Recent studies have suggested the benefits of financial planning go beyond simply having enough money.

“Proper financial planning can reduce family disputes related to money, leading to more harmonious relationships,” says St. James’s Place chartered tax adviser Obi Nnochiri:

https://www.moneymarketing.co.uk/features/hidden-benefits-of-financial-advice/

🌟💰 It's Talk Money Week, and we're all about equipping our children with essential life skills, starting with financial know-how! 💡

Teaching children about money:

✅Show them the value of saving.

✅Open a savings account for them.

✅Encourage conversations about money and smart spending.

If you're selling or exiting a business, you'll hopefully receive a significant cash sum – your reward for years of hard work. But before you sign the deal, it's essential to plan what you intend to do with the money.

If you're intending to pass your wealth on, how and when you do so has tax implications for your beneficiaries.

Why estate planning is critical before your exit partnership.sjp.co.uk

Selling a second property? Cashing in a share portfolio? When you sell a valuable asset that's gone up in value since you bought it, you may have to pay Capital Gains Tax or CGT on your profits.

Splitting assets with your other half can reduce Capital Gains Tax partnership.sjp.co.uk

You should check whether your death-in-service benefit, a lump sum paid to your loved ones if you die while on the payroll of that company, has changed whenever you change jobs or get a promotion. It takes minutes online or a quick call to HR.

It could make a big difference to your family's financial wellbeing – and their Inheritance Tax (IHT) bill.

Changing jobs? Why you should check your death-in-service benefit partnership.sjp.co.uk

How can we put you on the path to financial wellbeing? Download our guide about our approach to advice and what to expect at https://www.sjp.co.uk/financial-wellbeing

Finding the money to pay for care home fees can be one of the biggest financial worries you face in later life. So what are your options?

Can I gift assets to avoid paying care home fees? partnership.sjp.co.uk

Don't leave your family an avoidable IHT bill partnership.sjp.co.uk

If you want to leave as much money as you can to the people you love after you die, here are some easy steps you can take to protect your estate from Inheritance Tax liability.

Don't leave your family an avoidable IHT bill partnership.sjp.co.uk

Capital Gains Tax (CGT) is a complicated area of tax-planning and can trip many of us up. It's wise to get your head around CGT and take financial advice, so you don't end up paying more than you need to.

Here's some answers to some of the most frequently asked questions about this often-misunderstood tax.

How to reduce your Capital Gains Tax bill partnership.sjp.co.uk

When you pay off our mortgage, you'll have money that's freed up by no longer having mortgage payments.
Rather than see this money dissolve into household budget or day-to-day spending, consider how powerful it could be.

Paid off your mortgage? Time to invest in yourself partnership.sjp.co.uk

For Action Week we take a look at the higher costs sufferers have to pay for their care, why this affects women more than men and who pays for care.

Do dementia sufferers have to pay care home fees? partnership.sjp.co.uk

Unsolicited calls offering any financial product will be covered by the ban, with a view to stopping fraudsters selling sham insurance products or cryptocurrency schemes.

UK to ban all cold calls selling financial products www.bbc.co.uk

What do you have planned?
We hope you have fun whatever you're doing this weekend!👑🎉