SenseFinancial

Our thoughts on investments and stock market volatility!

📉 Market volatility is normal The stock market will always rise and fall — it’s part of investing, not something to fear. As Warren Buffett said: “The stock market is designed to transfer money from the active to the patient.” 📊 Time in the market beats timing the market.

Markets go up and down 📉📈 — that’s normal, not a warning sign. Short-term volatility can feel uncomfortable, but reacting emotionally or trying to time it rarely works. Think long term. Stay invested. Let time do the heavy lifting. ⏳ Time in the market > timing the market

As of today, small UK family businesses fall into the inheritance tax net. At a time when many SME businesses are struggling - this is just another kick in the teeth from this government.

Why invest in an ISA?

@AegonUK morning, can you tell us how an earth we contact you? You sent an email directing us to your Website which then keeps redirecting us to loads of other webpages… but never a phone number!! Assuming you’re still in business?

If contacted by an overseas company urging you to make an initial investment, often as little as £250, into bitcoin or shares, & promising exceptional returns, please do NOT proceed. This is a scam. Hopefully we managed to help a vulnerable person who had been targeted!

A quiet privilege of being an IFA for 30 years: clients trust you enough to check before spending their own money. Relationships matter.

Investing often feels like a rollercoaster: there are thrilling highs, sudden dips, and unexpected twists along the way. Volatility is perfectly normal and expected. History shows that patience and discipline are usually rewarded over time. Focus on the journey not the bumps.

2.5 million people qualify for pension tax relief and never claim it. If you’re a 40%+ taxpayer: • Your pension contribution only gets 20% relief automatically • The rest is on you to claim If you don’t, you’re probably losing £££s. Claim your tax relief!

The Financial Services Compensation Scheme (FSCS) is increasing the protection limit on your eligible deposits from £85,000 to £120,000 from 1 December 2025 in the unlikely event that something happens to your bank.

One of my oldest clients is in his 80s, widowed and living alone. Our reviews aren’t about spreadsheets anymore — he values the reassurance, the discussion, and simply our time together. He insists on paying fees because for him, peace of mind (and company) is priceless.

IHT receipts jump as Treasury eyes another record year moneymarketing.co.uk/news/iht-recei…

Just a gentle reminder… Investing isn’t about finding the perfect stock — it’s about mastering your emotions. 📉📈 Discipline > IQ. Patience > Prediction. Behaviour is the real edge. #Investing #BehaviouralFinance

With no children to consider, our goal is to provide him with the reassurance and peace of mind to enjoy his remaining years to the fullest, knowing his finances can support the lifestyle he wants. 2/2

Cash flow planning isn’t just for younger people preparing for retirement—it’s equally valuable later in life. Our client, in his early 80s, recently lost his wife and now wants clarity on how much he can comfortably spend moving forward. 1/2

Attending a client’s funeral today. We worked together for 33 years. It was a privilege to help them plan for retirement and then support them throughout it. Still, moments like this really hit you hard. 😔

Just as sure as summer follows spring, economic cycles bring highs and lows. Plan for both.

Even wealthy retirees still value financial advice. It’s like being fit but still using a Personal Trainer—you’ve done the hard work, but expert guidance keeps you on track, adapts with your needs, and gives peace of mind. 💡💼 #FinancialPlanning #Retirement

Our client has faced immense personal & physical challenges in recent years & is now confronting major decisions about his future & possible retirement. He apologises for the repeated calls — but that’s why we’re here. Not just for the numbers, but for the support & reassurance❤️

One of the greatest privileges of being a financial advisor is building lifelong relationships—helping clients plan for retirement, then walk with them through it. But the hardest part? Losing them. We’ve lost 3 dear clients this month. It’s incredibly sad.