{"id":4605,"date":"2016-06-19T13:11:38","date_gmt":"2016-06-19T12:11:38","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/resources\/key-guides-copy\/"},"modified":"2020-07-07T15:56:22","modified_gmt":"2020-07-07T14:56:22","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/services\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-4605\" data-postid=\"4605\" class=\"themify_builder_content themify_builder_content-4605 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_y50j080 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_zbd2302 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_gfpu377 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                            <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\" title=\"Financial Planning\" 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                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                <div class=\"tb_text_wrap\">\n            <h1>Financial Planning<\/h1>\n<h3>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<\/h3>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module text -->\n<div  class=\"module module-text tb_973x032   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Related Publications:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_uinl308\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_g70o803 first\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_k6ux486 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7113 themify_builder not_editable_builder in_the_loop\" data-postid=\"7113\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_wmhm070 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_kzkc490 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_gfci377 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-gfci377-0\" class=\"tb_title_accordion\" aria-controls=\"acc-gfci377-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">The financial planning journey<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-gfci377-0-content\" data-id=\"acc-gfci377-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7055 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers3.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>WHAT CAN FINANCIAL PLANNING DO FOR YOU<\/p>\n<p>Financial planning can help everyone. It isn\u2019t reserved for the rich, or sophisticated investors, because we all want to make sure we are making the most of our money.<\/p>\n<p>Whether it\u2019s making a retirement plan, investing to provide for your children\u2019s education or preparing for retirement, financial planning can help everyone across their lives.<\/p>\n<p>A good financial adviser should be a trusted partner who can help you achieve your financial aspirations and protect those you care for through the changing circumstances of your life and potentially in the event of disaster. However, most people don\u2019t really know what financial advisers actually do.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/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_vep7227 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7107 themify_builder not_editable_builder in_the_loop\" data-postid=\"7107\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_uiy8370 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_ip0n887 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_87qm427 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-87qm427-0\" class=\"tb_title_accordion\" aria-controls=\"acc-87qm427-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investment planning and asset allocation<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-87qm427-0-content\" data-id=\"acc-87qm427-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investmentplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7059 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers7.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>NO LONGER JUST AN ART FORM<\/p>\n<p>Investment planning is now more of a science than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?<\/p>\n<p>Investment planning and asset allocation is a multi-stage process. The actual execution of investment transactions is virtually instantaneous, but the decisions behind them need time and should not be hurried. There are many different approaches to the investment planning and asset allocation process, but most will broadly follow the step-by-step framework explained in this guide.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investmentplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/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_vkwz361 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7139 themify_builder not_editable_builder in_the_loop\" data-postid=\"7139\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7f0e065 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_wgss000 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_dkzm708 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-dkzm708-0\" class=\"tb_title_accordion\" aria-controls=\"acc-dkzm708-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Taking income at retirement<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-dkzm708-0-content\" data-id=\"acc-dkzm708-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7063 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers11.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PLANNING THE LONGEST HOLIDAY OF YOUR LIFE<\/p>\n<p>There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.<\/p>\n<p>The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions.<\/p>\n<p>This guide will help you understand the key issues and decisions that will affect your income after retirement.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_pupx004 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_938s550 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7134 themify_builder not_editable_builder in_the_loop\" data-postid=\"7134\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_o9uy209 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_t9ws121 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_bvrc461 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-bvrc461-0\" class=\"tb_title_accordion\" aria-controls=\"acc-bvrc461-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Pensions and tax planning for high earners<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-bvrc461-0-content\" data-id=\"acc-bvrc461-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7061 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers9.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>MITIGATING A GROWING TAX BILL<\/p>\n<p>If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.<\/p>\n<p>Increasing the tax burden for higher earners has been a deliberate policy of successive governments. For instance, the thresholds for phasing out the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/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_8ebi900 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7137 themify_builder not_editable_builder in_the_loop\" data-postid=\"7137\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_atop356 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_e2m2906 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_ps0b573 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-ps0b573-0\" class=\"tb_title_accordion\" aria-controls=\"acc-ps0b573-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Financial protection \u2013 for you and your family<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-ps0b573-0-content\" data-id=\"acc-ps0b573-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7056 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers4.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PROTECTING WHAT MATTERS MOST<\/p>\n<p>Most people\u2019s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/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_4f74878 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7125 themify_builder not_editable_builder in_the_loop\" data-postid=\"7125\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_rxvk605 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_r1b8805 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_t7l2615 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-t7l2615-0\" class=\"tb_title_accordion\" aria-controls=\"acc-t7l2615-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investing for Children<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-t7l2615-0-content\" data-id=\"acc-t7l2615-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7057 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers5.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>INVESTING FOR THE FUTURE<\/p>\n<p>Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.<\/p>\n<p>Whatever the reason, tax will be a major factor to consider, as will the risks of giving children too much money too soon. It is therefore important for parents and others to appreciate the basic tax and legal rules, and the investment products that are suitable for children to help achieve the goals set for them.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <\/div>\n        <!-- module text -->\n<div  class=\"module module-text tb_u1py888   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Related Videos:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text --><!-- module text -->\n<div  class=\"module module-text tb_jyv9030   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <iframe width=\"560\" height=\"315\" data-src=\"https:\/\/www.youtube.com\/embed\/XcRfjahDRSA\" frameborder=\"0\" allowfullscreen src=\"about:blank\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_e875006 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_eofw184 \">\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\"><\/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_8j8o793 \">\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\/investing-for-children-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-8337 lazyload\" title=\"investing for children_sb\" alt=\"investing for children_sb\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-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\/investing-for-children-2\/\" class=\"feature-posts-title\">Investing for Children<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11424 lazyload\" title=\"A noisy first quarter but what are the results\" alt=\"A noisy first quarter but what are the results\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-978x978.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-noisy-first-quarter-but-what-are-the-results\/\" class=\"feature-posts-title\">A noisy first quarter but what are the results?<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11419 lazyload\" title=\"Weighing up the incentives and disincentives of your tax bill\" alt=\"Weighing up the incentives and disincentives of your tax bill\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-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\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\" class=\"feature-posts-title\">Weighing up the incentives and disincentives of your tax bill<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11416 lazyload\" title=\"House prices versus inflation\" alt=\"House prices versus inflation\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-978x978.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\/house-prices-versus-inflation\/\" class=\"feature-posts-title\">House prices versus inflation<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11413 lazyload\" title=\"State pension age hits the 67 threshold\" alt=\"State pension age hits the 67 threshold\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-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\/state-pension-age-hits-the-67-threshold\/\" class=\"feature-posts-title\">State pension age hits the 67 threshold<\/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_oq6p209 \">\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-7884\" class=\"post tf_clearfix testimonial-post post-7884 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\">Honest and detailed appraisals<\/h1>\n\t\t\t\t\t\n\t\t\t\t\tI\u2019ve have dealt with Graham for 8 Years. I was introduced by a friend, who like me was being made redundant from the BBC. At this point, I wanted to understand the best way forward financially for me to retire as I had also gone through a messy divorce. Immediately after meeting Graham, he provided good counsel and put together a financial plan. As a consequence of this we put that plan into action, where I kept my BBC Pension and set-up a new pension and transferred my old plans to a new pension. Separately I paid a lump sum pension contribution and invested my redundancy monies.\r\n\r\nThe objective throughout was to retire early. As my circumstances have changed Graham continues to provide me with an honest and detailed appraisal of where things are for me in a way that gives me every confidence in his advice and recommendations. The result is I had the confidence to stop work at age 58 to go travelling, enjoy things and spend more time with my grandchildren. Through the Pension and other investments, I receive a monthly income that has helped me do the things I have always wanted.\r\n\r\nI am not a millionaire, but I certainly feel like one! Graham is a fantastic person who I hold in very high regard which is why I followed him to Sky Wealth Management. In my dealings with him I haven&#8217;t looked back and since the move to Sky Blue Wealth and I would have no hesitation to endorse him and his team.<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7884 themify_builder not_editable_builder in_the_loop\" data-postid=\"7884\">\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\/honest-and-detailed-appraisals\/\" title=\"Honest and detailed appraisals\">&mdash; <span>Roy Hobbs<\/span><\/a><span class=\"testimonial-title\">Retired<\/span>\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>Financial Planning 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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4338,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4605","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":"<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\" title=\"Financial Planning\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"Financial Planning\"> \n <h1>Financial Planning<\/h1> <h3>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<\/h3>\n<h3>Related Publications:<\/h3>\n<h3>Related Videos:<\/h3>\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/XcRfjahDRSA\" frameborder=\"0\" allowfullscreen><\/iframe>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4605","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=4605"}],"version-history":[{"count":0,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4605\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}