Jordan Mushet - Financial Adviser

💷 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐈𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐓𝐚𝐱 𝐂𝐡𝐚𝐧𝐠𝐞𝐬 – 𝐖𝐡𝐚𝐭 𝐎𝐩𝐭𝐢𝐨𝐧𝐬 𝐀𝐫𝐞 𝐏𝐞𝐨𝐩𝐥𝐞 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐢𝐧𝐠?

With pension funds expected to become subject to inheritance tax from April 2027, many retirees are reviewing how they plan to pass wealth on to their loved ones.
There isn't a one-size-fits-all solution, but some of the options people are exploring include:

🏖️ Enjoying more of their pension during retirement
After years of saving, some people are choosing to spend more on themselves, family experiences, travel and helping loved ones while they're still here to see the benefit.

🎁 Gifting money to family
This can be an effective estate planning strategy, but it's important to remember that money usually has to be withdrawn from the pension first. Depending on your circumstances, income tax may be payable on the withdrawal before any gift is made.

🛡️ Using life insurance to help cover a future tax bill
Some individuals are considering whole of life insurance policies written in trust, which can provide funds to beneficiaries to help meet an inheritance tax liability when the time comes.

📋 Reviewing wider estate planning arrangements
Pensions are just one part of the picture. Wills, trusts, gifting strategies and protection planning can all play an important role.

The proposed 2027 changes are prompting many people to ask a simple question:

"Am I still holding my wealth in the most tax-efficient way?"

If you've built up a substantial pension fund, now could be a good time to review your options and understand how the changes may affect your family. If you would like a free initial consultation to explore your financial planning needs, please message me.

One of the things I value most as a financial adviser is being there for clients beyond just the recommendations and paperwork.

Financial planning and protection advice is personal. It’s about understanding what matters to someone, helping them prepare for the future, and supporting them through life’s changes along the way.

Whether it’s reviewing protection, planning for retirement, helping families build financial security or simply being available when questions come up — I believe good advice should feel supportive, clear and tailored to the individual. 🤝

Learn more about how I can help you, and what going above and beyond means to me: https://pivotalhome.co.uk/how-advisers-go-above-and-beyond/

Holding cash can feel safe, but over time rising prices can quietly erode what it’s really worth. This short read explains why being deliberate with cash matters. Read now 👉 bit.ly/4cPV6jJ

Many people worry they’ve missed the moment to invest. This article looks at why consistency and clarity can still work in your favour, even if you’re starting later. Read now 👉 bit.ly/4t2fpQS

New HMRC rules create pensions gap for some pre-retirees The normal minimum pension age rules from HMRC have created a potential confusing gap for those born between 6 April 1971 and 5 April 1973.

It’s easy to think you’ve “left it too late” to start saving for retirement… but that couldn’t be further from the truth.

Yes, starting early gives your money more time to grow—but starting later doesn’t mean you’ve missed your chance. In fact, many people are in a stronger position to save in their 40s and 50s thanks to higher incomes and fewer financial commitments.

The biggest mistake? Doing nothing.

Even small steps now can make a real difference to your future.

👉 Read more here: https://tinyurl.com/RetirementAdvicePivotal

If you’re unsure where to start, we offer a free initial consultation to help you understand your options and build a plan that works for you.



The value of pensions/investments and the income they produce can go down as well as up and you may not get back as much as you put in.

Approver Quilter Financial Services Ltd April 2026

Starting Your Retirement Savings Later in Life? It’s Not Too Late - Pivotal Home There’s a common belief that if you didn’t start saving for retirement in your 20s or 30s, you’ve somehow “missed the boat.” That simply isn’t true. While starting early does give your money more time to grow, beginning later in...

A 𝐧𝐞𝐰 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐲𝐞𝐚𝐫 is around the corner — and while most business owners are focused on targets, growth, and turnover… it’s worth asking a different question:

𝑾𝒉𝒂𝒕 𝒘𝒐𝒖𝒍𝒅 𝒉𝒂𝒑𝒑𝒆𝒏 𝒊𝒇 𝒔𝒐𝒎𝒆𝒕𝒉𝒊𝒏𝒈 𝒖𝒏𝒆𝒙𝒑𝒆𝒄𝒕𝒆𝒅 𝒅𝒊𝒔𝒓𝒖𝒑𝒕𝒆𝒅 𝒚𝒐𝒖𝒓 𝒃𝒖𝒔𝒊𝒏𝒆𝒔𝒔?

It’s not always comfortable to think about, but protecting your business financially is just as important as building it.

𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐞𝐝:

• How would your business cope without a 𝐤𝐞𝐲 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥, as a result of illness or death?
• Whether you’re making the most of tax-efficient options like 𝐑𝐞𝐥𝐞𝐯𝐚𝐧𝐭 𝐋𝐢𝐟𝐞 𝐂𝐨𝐯𝐞𝐫?
• If your team has the right support in place, such as 𝐏𝐫𝐢𝐯𝐚𝐭𝐞 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
• Whether your 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐞 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬 are strong enough to retain and recruit the people who matter most? We have solutions that can help you here.
• Do you have 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐬 tied to your business finance? If illness or death prevented you from meeting these commitments, would your family be able to cover the bills?

Good planning isn’t just about moving forward — it’s about making sure 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐤𝐞𝐞𝐩 𝐠𝐨𝐢𝐧𝐠, 𝐧𝐨 𝐦𝐚𝐭𝐭𝐞𝐫 𝐰𝐡𝐚𝐭.

With the new financial year approaching, now is the ideal time to review your position and put the right protections in place.

If it’s something you’ve been meaning to look at, help is available. Let’s grab a coffee and have a chat.

As with all insurance policies, conditions and exclusions will apply.

Approver Quilter Financial Services Ltd March 2026

Recent events in the Middle East have understandably created uncertainty in the financial markets. The escalating conflict involving Iran has led to increased volatility across global markets, with oil prices rising sharply and stock markets reacting to the potential impact on energy supplies, inflation and economic growth.

When geopolitical events like this occur, markets often move quickly. Investors reassess risk, energy prices fluctuate, and short-term market swings become more common. It can feel unsettling — especially when headlines focus on daily market movements.

But it’s important to remember that volatility is a normal part of investing.

Historically, markets have always experienced periods of uncertainty — from geopolitical tensions to economic shocks — yet long-term investors who remain disciplined and focused on their financial plan tend to fare far better than those who react emotionally to short-term news.

During times like these, the key principles of investing remain the same:

• Stay focused on long-term goals rather than short-term headlines

• Maintain a diversified portfolio

• Avoid making emotional decisions based on market movements

• Ensure your investments still align with your risk tolerance and objectives

This is also where the value of having a financial adviser becomes clear.

A good adviser provides perspective when markets are unsettled. They help clients understand what’s happening, ensure portfolios remain appropriate for their goals, and most importantly help investors avoid decisions that could damage long-term outcomes.

Volatility can be uncomfortable, but it doesn’t have to derail a well-structured financial plan.

If recent events have raised questions about your investments or your financial strategy, it may be a good time to review your plans and make sure everything is still aligned with what matters most to you.

The value of investments can go down as well as up and you may not get back as much as you put in.



Approver Quilter Financial Services Ltd March 2026

💷 𝐖𝐡𝐞𝐧 𝐖𝐚𝐬 𝐓𝐡𝐞 𝐋𝐚𝐬𝐭 𝐓𝐢𝐦𝐞 𝐘𝐨𝐮 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐞𝐝 𝐘𝐨𝐮𝐫 𝐅𝐞𝐞𝐬?

Most people review their energy bills.
They compare mortgage rates.
They switch broadband providers.

But financial advice fees?
Those often run quietly in the background for years.

Here’s the reality: charges across adviser firms can vary significantly.

Two clients with similar portfolios can be paying very different amounts — and not always receiving different levels of service.
Financial planning should feel personal.

You should trust your adviser. You should feel comfortable picking up the phone.

But you should also know:

• What work is being done for you each year
• How often your plan is being reviewed
• Whether tax opportunities are being proactively discussed
• If your investments are being actively monitored

If your ongoing fee is 1%… 1.5%… or more — what does that actually include?

Higher fees aren’t automatically wrong.
But they should reflect real planning, real strategy and real support. Most importantly, are you on track to achieve your financial goals?

A second opinion isn’t about moving for the sake of it. It’s about understanding whether the service and the cost are aligned.

If you’d like us to sense-check your current setup, we’re happy to provide a clear, honest review.

Because peace of mind isn’t just about performance — it’s about knowing you’re paying a fair price for proper advice.

The value of investments can go down as well as up and you may not get back as much as you put in.

Approver Quilter Financial Services Ltd March 2026