Here we share engaging content related to financial planning and finance, while also combining this with our interests outside of the office.

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Last week’s refresh @thewave. One of those rare mornings where everything comes together perfectly.

The low morning sun shining through the chilly blue waves, groomed by a crisp offshore breeze, creating those rare moments when time seems to

£40 billion in tax increases is a significant move, making this one of the largest tax-raising Budgets outside of a recession.

Wondering how the Autumn Budget 2024 might affect your finances?

Here’s a quick breakdown of the top 3 tax

Sometimes, people don’t actually need financial advice and there are plenty of reasons why.

Here are three!

#financialadvice #independentfinancialadvice #financialplanning #personalfinance #financialadvisor #financialwellness #wealthmanageme

💡 At some point in life, most people seek financial guidance, often sparked by significant life changes.

Based on my experience, here are three common scenarios where expert advice can make all the difference: 💼💰

#financialadvice #independentfin

A short walk from our office and the bustling waterfront of Cardiff Bay, you’ll find the Coal Exchange, also known as the Exchange Building. This striking building is steeped in history.

In the early 1900s, it served as the epicentre of the w

The Wave, just outside Bristol, is such a good facility, perfect for surfers of all levels. A great option for fitting in some surf time around your workday, with a small area in the clubhouse ideal for catching up on emails, planning the week ahead,

Earlier this month, I had the pleasure of spending a fantastic day at Goodwood with @mr_jws , @gpc_wealth

Since launching SpenceFinancial, Josh has been my go-to and most reliable source of counsel.

Some unbelievable vehicles on display before the

It is important to be aware of the following risks:

This is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.

The value of investments may go down as well as up and you may get back less than you invest. Past performance is not a reliable indicator of future performance. An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA. The favourable tax treatment of ISAs may be subject to changes in legislation in the future. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

A pension is a long-term investment, the value is not guaranteed and the value of your investment and the income from it may go down as well as up. Any advice or considerations are personal to each individual’s circumstances. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation. Levels and bases of, and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

Please note that the Financial Conduct Authority (FCA) does not regulate cashflow planning and some aspects of Trust, Tax and Estate Planning.