News - Teachers Financial Planning

How Stealth Taxes Can Affect Your Financial Plan

20/02/2026 Gemma Trantum

A stealth tax is not an explicit increase in the rate of tax that you pay. However, it means you will likely pay more tax over time and that HMRC will collect more revenue. Stealth taxes are usuall[...]

Is Equity Release a Good Idea?

17/02/2026 Gemma Trantum

Life doesn’t always go as planned. Some people may be approaching retirement and are worried that their pension has not performed as well as expected. Perhaps the need to retire early due to ill [...]

The FSCS Protection Increase – Why it Matters

16/02/2026 Gemma Trantum

From 1 December 2025, the Financial Services Compensation Scheme (FSCS) deposit protection limit rose from £85,000 to £120,000 per eligible person, per authorised institution. This is the first i[...]

Cash ISA Changes – What They Mean For You

13/02/2026 Gemma Trantum

The government has announced significant changes to Individual Savings Accounts (ISAs) that may affect how much you can save in cash from April 2027. Although the overall ISA allowance will remain [...]

Market Updates - Teachers Financial Planning Ltd

Market Update – January 2026

05/02/2026 Gemma Trantum

The Bank of England kept interest rates unchanged at 3.75% in February, pausing after several cuts in 2025 as inflation remains above target. Price pressures rose to 3.4% in December, but the BoE expe[...]

New Year, New Finances: 5 Resolutions for Better Money Management

08/01/2026 Gemma Trantum

January is the ideal time to start getting your finances in order. Many people feel like a fresh start following the holiday season and the excess that comes with it. There is also enough time left un[...]

Your Essential 2025/2026 Allowance Checklist

08/01/2026 Gemma Trantum

After the excess of the festive season, January is the ideal time to organise your finances for the coming year. You still have time to make the most of your tax allowances before the end of the tax y[...]

How to Plan an Estate for Multiple Generations

08/01/2026 Gemma Trantum

Inheritance Tax (IHT) is a consideration for many families, particularly as the nil rate band has been frozen for many years, while asset values have continued to rise. But if you have worked hard [...]

Market Update – December 2025

07/01/2026 Gemma Trantum

The Bank of England cut interest rates to 3.75% in December as inflation eased to 3.2%, signalling the start of a gradual rate-cutting cycle. The FTSE 100 delivered exceptional returns, topping 9,900 [...]

Navigating the 2025-26 Tax Year: What It Means for Your Money

15/12/2025 Gemma Trantum

In light of the 2025 Autumn Budget, it seemed high time to revisit the tax landscape in 2025-26 and give you an update on your financial planning landscape. The recent budget, in a sense, was nothi[...]

How to Withdraw Safely from a Pension: A Short Guide

15/12/2025 Gemma Trantum

Pension freedoms have changed the conversation around retirement planning. People have more choice and control over their pension funds than ever. But this also means they have more decisions to ma[...]

Market Update – November 2025

03/12/2025 Gemma Trantum

The UK Autumn Budget in November introduced significant tax rises and extended freezes on income tax bands, expected to generate substantial revenue but impact consumer spending. The FTSE 100 remained[...]

The Autumn Budget 2025

01/12/2025 Gemma Trantum

There had been much speculation about this budget. Finally, Chancellor Reeves has delivered her plan for the UK economy on 26 November 2025. The budget includes tax rises and key commitments on bor[...]

What Does a Healthy Portfolio of Funds Look Like?

11/11/2025 Gemma Trantum

If you read the financial press, you will see a lot of speculation about what you can, or should, invest in. Social media is no different, with stock tips and investment forums building significant on[...]

A Short Guide to Wealth Preservation in Retirement

11/11/2025 Gemma Trantum

A secure pension income for life is no longer a reality for most people. Whilst some retirees are fortunate enough to have built up a substantial defined benefit pension, the majority will need to man[...]

Market Update – October 2025

05/11/2025 Gemma Trantum

Global markets continued to make steady progress through October, with stock market indexes around the world reaching new record highs. Investors have been willing to look past some mixed economic dat[...]

Latest News