We’re delighted to share some exciting news from the recent annual dinner for the Sussex branch of the Chartered Insurance Institute. Our very own Daniel Brooks was presented with the Rising Star award! This award recognises and applauds the outstanding achievements of ‘rising stars’ within the local Financial Services and Insurance professions. The annual…
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Introducing Our Equity Release Flow Chart. Equity release has evolved significantly in recent years. What was once seen as a last resort is now a well-regulated, flexible planning option that can play a useful role in later-life financial planning when considered carefully and used for the right reasons. For many homeowners, property represents a substantial portion…
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At Herbert Scott, our priority is helping clients make secure, confident financial decisions. Unfortunately, pension scams are becoming increasingly sophisticated and even the most financially aware individuals can be targeted. To strengthen the protection we offer, we have signed up to the industry pledge to Combat Pension Scams – a national initiative designed to safeguard pension savers. This pledge reflects…
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At Herbert Scott, we speak to many clients who are rightly cautious about unsolicited calls, online adverts, or messages encouraging them to “act quickly” on an investment opportunity. Unfortunately, scams are becoming more sophisticated, and even financially confident individuals can be targeted. To help protect consumers, the Financial Conduct Authority (FCA) has launched a new Firm Checker tool designed to…
read moreYour Financial Future Deserves More Than Guesswork Managing your money is one of the most important decisions you’ll ever make. Whether you’re planning for retirement, supporting your family, or building wealth for future generations, the choices you make today will shape your tomorrow. But how do you decide who to trust with your financial future? You have three main options:…
read moreAn Annual Review Your Finances One of the key benefits of working with a financial planner is having someone alongside you to help you understand your finances, stay organised, and keep moving toward your goals. Our role is to provide clarity, structure, and accountability so your financial decisions feel intentional rather than overwhelming. To support this, we invite our clients…
read moreThis year’s Budget feels notable as much for what didn’t happen as for what did. Pre-Budget speculation hinted at radical changes, such as capping or removing pension tax-free cash, but I am happy to report that this, and many other rumours didn’t materialise. Instead, the Chancellor signalled a different direction of travel, and some would say a more…
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Pensions to be included for Inheritance Tax A major shift is coming. From 6 April 2027, unused pension funds and death benefits will, in most cases, fall within the scope of Inheritance Tax (IHT). This change ends a decades-long tax advantage where pension pots largely escaped the IHT net, transforming pensions from a discreet estate-planning tool into a core part…
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As a valued client of Herbert Scott, you already understand the importance of proactive, long-term financial planning. But even with a robust plan in place, it’s valuable to pause and reflect on how you talk about money – not just with your adviser, but within your family and wider circle. That’s the thinking behind Talk Money Week, an annual UK…
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At Herbert Scott, we are proud of how our firm has evolved – not only in size, but in the strength, expertise and dedication of our people. To ensure we continue to deliver the clarity, independence, and trust our clients value, I have refined our management structure to reflect both our current position and our future direction.At his…
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