{"id":4338,"date":"2015-10-06T17:07:04","date_gmt":"2015-10-06T17:07:04","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/?page_id=4338"},"modified":"2020-07-27T12:17:54","modified_gmt":"2020-07-27T11:17:54","slug":"services","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/services\/","title":{"rendered":"Services"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-4338\" data-postid=\"4338\" class=\"themify_builder_content themify_builder_content-4338 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_ggx8553 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_y7mj305 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_v0me435   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Services<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_vcdr555 \" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><h3>We can\u2019t all be experts when it comes to financial advice and you can\u2019t be expected to understand what financial services are available to you. So we have created this section of the website to provide simple and straightforward information on the areas of financial advice offered by Sky Blue Wealth Management from savings through to sorting out mortgages, as well as business planning. If you want to know more about any of the following topics make sure you contact us.<\/h3><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_p6zb356 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/financial-planning\/\" aria-label=\"Financial Planning\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic1-150x150.jpg\" width=\"150\" height=\"150\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Financial Planning\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\">                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/financial-planning\/\" aria-label=\"Financial Planning\">Financial Planning<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security. Sky Blue Wealth Management can help you map out the best routes for you to take. We will offer holistic advice that will take everything into account to ensure that every possibility is explored, every base covered, and every penny works for you.\u00a0<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_ha6z075 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/savings-investments-planning\/\" aria-label=\"Savings &amp; Investments Planning\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#ff5353\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4438 lazyload\" title=\"pic2\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Savings &amp; Investments Planning\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/savings-investments-planning\/\" aria-label=\"Savings &amp; Investments Planning\">Savings &amp; Investments Planning<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p class=\"p1\">In the present economic climate, we have to work that bit harder to make the most of our savings and investments to achieve the returns we would like. Our advisers at Sky Blue Wealth Management use all their experience and skill to maximise your money. All we can say is that you should put us to the test as soon as possible.<\/p>\n<p class=\"p1\"><strong><em>The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.<\/em><\/strong><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_strf553 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/retirement-planning\/\" aria-label=\"Retirement Planning\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4437 lazyload\" title=\"pic3\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Retirement Planning\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/retirement-planning\/\" aria-label=\"Retirement Planning\">Retirement Planning<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p class=\"p1\">We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Sky Blue Wealth Management can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.\u00a0<\/p>\n<p class=\"p1\"><strong><em>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/em><\/strong><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_wpiv353 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/protecting-your-loved-ones\/\" aria-label=\"Protecting Your Loved Ones\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4439 lazyload\" title=\"pic4\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Protecting Your Loved Ones\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/protecting-your-loved-ones\/\" aria-label=\"Protecting Your Loved Ones\">Protecting Your Loved Ones<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Sky Blue Wealth Management will be happy to make suggestions that will give your loved ones protection &#8211; and you peace of mind.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_q5ve553 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/inheritance-tax-planning\/\" aria-label=\"Inheritance Tax Planning\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#ff5353\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4440 lazyload\" title=\"pic5\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Inheritance Tax Planning\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/inheritance-tax-planning\/\" aria-label=\"Inheritance Tax Planning\">Inheritance Tax Planning<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p class=\"p1\">Inheritance has become a hot topic amongst politicians in recent years. It is one that we ignore at our peril. Without the right inheritance tax provisions the Government could benefit more from your life\u2019s work than your family. That\u2019s why it is important to work out what you may be liable for on death &#8211; and then talk to an expert on how best to balance things in your favour.\u00a0<\/p>\n<p class=\"p1\"><em><strong>Estate planning is not regulated by the Financial Conduct Authority.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_on26705 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/mortgage-solutions-and-equity-release\/\" aria-label=\"Mortgage Solutions (and Equity Release)\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4441 lazyload\" title=\"pic6\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Mortgage Solutions (and Equity Release)\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/mortgage-solutions-and-equity-release\/\" aria-label=\"Mortgage Solutions (and Equity Release)\">Mortgage Solutions (and Equity Release)<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek whole of market advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should only be considered with the advice of someone who has no strings attached.<\/p>\n<p><strong><em>Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.\u00a0<\/em><\/strong><\/p>\n<p><strong><em>Equity Release \u2013 We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business.<\/em><\/strong><\/p>\n<p><em><strong>Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_paeb003 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/services\/corporate-planning\/\" aria-label=\"Corporate Planning\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4443 lazyload\" title=\"pic8\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Corporate Planning\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8-180x180.jpg 180w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                        <h3 class=\"module-feature-title\">\n                                    <a href=\"\/v3\/services\/corporate-planning\/\" aria-label=\"Corporate Planning\">Corporate Planning<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>When you are busy running a business on a day-to-day basis, often you haven\u2019t the time to really look too far ahead. One of the services we offer is to help business people look at their corporate financial planning. We have the time and expertise to review financial areas that could help protect the company and benefit your business in the long term.\u00a0<\/p>\n<p><em><strong>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_g4t3020 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_d4vm192 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\" ><svg  class=\"tf_fa tf-fas-phone\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-fas-phone\" xlink:href=\"#tf-fas-phone\"><\/use><\/svg><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_vm7v742 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-7437 lazyload\" title=\"SBWM-Financial-planning-journey\" alt=\"SBWM-Financial-planning-journey\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/10\/SBWM-Financial-planning-journey-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/what-can-financial-planning-do-for-you-2\/\" class=\"feature-posts-title\">What can financial planning do for you<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11488 lazyload\" title=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" alt=\"A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/A-\u2018comfortable-retirement-for-only-9-\u2013-what-the-headlines-mean-1024x684-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-comfortable-retirement-for-only-9-what-the-headlines-mean\/\" class=\"feature-posts-title\">A \u2018comfortable\u2019 retirement for only 9% \u2013 what the headlines mean<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11483 lazyload\" title=\"Writing your will \u2013 Remember to choose your executors with care\" alt=\"Writing your will \u2013 Remember to choose your executors with care\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Writing-your-will-\u2013-Remember-to-choose-your-executors-with-care-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/writing-your-will-remember-to-choose-your-executors-with-care\/\" class=\"feature-posts-title\">Writing your will? Remember to choose your executors with care<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11479 lazyload\" title=\"Wealth tax comes around again\" alt=\"Wealth tax comes around again\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/Wealth-tax-comes-around-again-1024x520-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/wealth-tax-comes-around-again\/\" class=\"feature-posts-title\">Wealth tax comes around again<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11475 lazyload\" title=\"An overdue thaw on mileage rates\" alt=\"An overdue thaw on mileage rates\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/07\/An-overdue-thaw-on-mileage-rates-1024x666-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/an-overdue-thaw-on-mileage-rates\/\" class=\"feature-posts-title\">An overdue thaw on mileage rates<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_r38g85 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n        <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7365\" class=\"post tf_clearfix testimonial-post post-7365 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">Always put my needs first<\/h1>\n\t\t\t\t\t\n\t\t\t\t\t<p>Graham has worked with me now for 14 years on all aspects of my personal financial planning. He has my complete trust, as over the years he has always put my needs first and never failed to do the right thing by me. His common sense, no nonsense approach is backed up by the necessary qualifications, he is a Certified Financial Planner (Institute of Financial Planning), a level of qualification which differentiates him, less than 10% of those giving financial advice obtain this qualification.<\/p>\n<p>He works hard to achieve the right outcome and has a good network of experts that he brings in as and when required. I do not always give Graham an easy time, and regularly challenge his views and recommendations; he deals with such challenge in a positive, patient and friendly manner and more often than not convinces me of the merit of what he is proposing. This is why Graham is able to retain clients and why his clients follow him. I am delighted he has now set up Sky Blue Wealth Management as I think this is the right platform for him and his clients.<\/p><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7365 themify_builder not_editable_builder in_the_loop\" data-postid=\"7365\">\n            <\/div>\n<!--\/themify_builder_content-->\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/always-put-my-needs-first\/\" title=\"Always put my needs first\">&mdash; <span>CFO public oil company<\/span><\/a>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n                <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Services We can\u2019t all be experts when it comes to financial advice and you can\u2019t be expected to understand what financial services are available to you. So we have created this section of the website to provide simple and straightforward information on the areas of financial advice offered by Sky Blue Wealth Management from savings [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4338","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<h1>Services<\/h1>\n<h3>We can\u2019t all be experts when it comes to financial advice and you can\u2019t be expected to understand what financial services are available to you. So we have created this section of the website to provide simple and straightforward information on the areas of financial advice offered by Sky Blue Wealth Management from savings through to sorting out mortgages, as well as business planning. If you want to know more about any of the following topics make sure you contact us.<\/h3>\n<a href=\"\/v3\/services\/financial-planning\/\" aria-label=\"Financial Planning\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic1-150x150.jpg\" width=\"150\" height=\"150\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Financial Planning\"> \n <\/a> <h3> <a href=\"\/v3\/services\/financial-planning\/\" aria-label=\"Financial Planning\">Financial Planning<\/a> <\/h3> <p>It may seem basic but everything we do needs to be geared to managing our finances so that we can achieve long-term security. Sky Blue Wealth Management can help you map out the best routes for you to take. We will offer holistic advice that will take everything into account to ensure that every possibility is explored, every base covered, and every penny works for you.\u00a0<\/p>\n<a href=\"\/v3\/services\/savings-investments-planning\/\" aria-label=\"Savings &amp; Investments Planning\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#ff5353\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic2\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Savings &amp; Investments Planning\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic2-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/savings-investments-planning\/\" aria-label=\"Savings &amp; Investments Planning\">Savings &amp; Investments Planning<\/a> <\/h3> <p>In the present economic climate, we have to work that bit harder to make the most of our savings and investments to achieve the returns we would like. Our advisers at Sky Blue Wealth Management use all their experience and skill to maximise your money. All we can say is that you should put us to the test as soon as possible.<\/p> <p><strong><em>The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.<\/em><\/strong><\/p>\n<a href=\"\/v3\/services\/retirement-planning\/\" aria-label=\"Retirement Planning\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic3\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Retirement Planning\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/retirement-planning\/\" aria-label=\"Retirement Planning\">Retirement Planning<\/a> <\/h3> <p>We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Sky Blue Wealth Management can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.\u00a0<\/p> <p><strong><em>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/em><\/strong><\/p>\n<a href=\"\/v3\/services\/protecting-your-loved-ones\/\" aria-label=\"Protecting Your Loved Ones\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic4\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Protecting Your Loved Ones\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic4-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/protecting-your-loved-ones\/\" aria-label=\"Protecting Your Loved Ones\">Protecting Your Loved Ones<\/a> <\/h3> <p>The people who are most important to you are the ones that you will want to offer financial protection to. You may not always be there to help them. There are all kinds of ways to ensure that the right kind of financial provision is put in place. Sky Blue Wealth Management will be happy to make suggestions that will give your loved ones protection - and you peace of mind.<\/p>\n<a href=\"\/v3\/services\/inheritance-tax-planning\/\" aria-label=\"Inheritance Tax Planning\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#ff5353\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic5\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Inheritance Tax Planning\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic5-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/inheritance-tax-planning\/\" aria-label=\"Inheritance Tax Planning\">Inheritance Tax Planning<\/a> <\/h3> <p>Inheritance has become a hot topic amongst politicians in recent years. It is one that we ignore at our peril. Without the right inheritance tax provisions the Government could benefit more from your life\u2019s work than your family. That\u2019s why it is important to work out what you may be liable for on death - and then talk to an expert on how best to balance things in your favour.\u00a0<\/p> <p><em><strong>Estate planning is not regulated by the Financial Conduct Authority.<\/strong><\/em><\/p>\n<a href=\"\/v3\/services\/mortgage-solutions-and-equity-release\/\" aria-label=\"Mortgage Solutions (and Equity Release)\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic6\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Mortgage Solutions (and Equity Release)\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic6-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/mortgage-solutions-and-equity-release\/\" aria-label=\"Mortgage Solutions (and Equity Release)\">Mortgage Solutions (and Equity Release)<\/a> <\/h3> <p>Property is likely to be the biggest financial commitment that you ever make. Mortgages can become a minefield unless you seek whole of market advice so you are not drawn into a deal that means more to the lender than it does to you. Equity release is another area that should only be considered with the advice of someone who has no strings attached.<\/p> <p><strong><em>Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.\u00a0<\/em><\/strong><\/p> <p><strong><em>Equity Release \u2013 We will refer any enquires to a specialist equity release adviser who will advise you of the arrangement fees for this type of business.<\/em><\/strong><\/p> <p><em><strong>Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.<\/strong><\/em><\/p>\n<a href=\"\/v3\/services\/corporate-planning\/\" aria-label=\"Corporate Planning\"> <svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#73b70b\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic8\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Corporate Planning\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic8-180x180.jpg 180w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <\/a> <h3> <a href=\"\/v3\/services\/corporate-planning\/\" aria-label=\"Corporate Planning\">Corporate Planning<\/a> <\/h3> <p>When you are busy running a business on a day-to-day basis, often you haven\u2019t the time to really look too far ahead. One of the services we offer is to help business people look at their corporate financial planning. We have the time and expertise to review financial areas that could help protect the company and benefit your business in the long term.\u00a0<\/p> <p><em><strong>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/strong><\/em><\/p>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4338"}],"version-history":[{"count":41,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338\/revisions"}],"predecessor-version":[{"id":7356,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338\/revisions\/7356"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}