{"id":4822,"date":"2016-10-14T15:36:36","date_gmt":"2016-10-14T14:36:36","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/resources\/videos-copy\/"},"modified":"2025-01-30T13:11:03","modified_gmt":"2025-01-30T13:11:03","slug":"calculator","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/resources\/calculator\/","title":{"rendered":"Calculators"},"content":{"rendered":"<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-4822\" data-postid=\"4822\" class=\"themify_builder_content themify_builder_content-4822 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_23xf990 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_ltzx158 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_rwtt623   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Calculators<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_hc8w003 \" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><h3>Useful tools and calculators from the Money Helper (Money Advice Service).<\/h3><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_9wzj592 with-chart layout-icon-left size-small \" 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\/resources\/calculator\/mortgage-calculator\/\" aria-label=\"Mortgage Calculator\">\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% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e30d2d\" stroke-width=\"5\" 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\/pic7-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-4442 lazyload\" title=\"pic7\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Mortgage Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7.jpg 150w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" 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\/resources\/calculator\/mortgage-calculator\/\" aria-label=\"Mortgage Calculator\">Mortgage Calculator<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_g1eg060 with-chart layout-icon-left size-small \" 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\/resources\/calculator\/pension-calculator\/\" aria-label=\"Pension Calculator\">\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% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e68f0e\" stroke-width=\"5\" 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\/pic3-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-4437 lazyload\" title=\"pic3\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Pension Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" 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\/resources\/calculator\/pension-calculator\/\" aria-label=\"Pension Calculator\">Pension Calculator<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>This calculator gives an estimate of the income you\u2019ll get when you retire. It includes income from workplace schemes and private pensions contributions, plus your basic State Pension before outlining any shortfall and tips for addressing it.<\/p>\n<p><em><strong>The value of pensions and investments and the income 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<!-- module feature -->\n<div  class=\"module module-feature tb_8bna530 with-chart layout-icon-left size-small \" 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\/resources\/calculator\/savings-calculator\/\" aria-label=\"Savings Calculator\">\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% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#0ec767\" stroke-width=\"5\" 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\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-10482 lazyload\" title=\"increasing-pension-contributions\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Savings Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" 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\/resources\/calculator\/savings-calculator\/\" aria-label=\"Savings Calculator\">Savings Calculator<\/a>\n                                <\/h3>\n                        <div class=\"tb_text_wrap\">\n            <p>This handy tool helps users to understand how long it will take to save a specific amount, or how much they need to save to have enough by a particular date.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_4ixi553 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_uzi0923 \">\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_vpq80 \">\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_iodv837 \">\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-7411\" class=\"post tf_clearfix testimonial-post post-7411 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\">Cuts through the jargon and makes sure my needs are at the center of his thinking<\/h1>\n\t\t\t\t\t\n\t\t\t\t\t<div><span lang=\"EN-US\">I was introduced to Graham through my own personal network.\u00a0 I find Graham to be a very open person and professionally curious about my own situation and ambitions. This enables Graham to spar with me to determine how this translates into financial planning.\u00a0 Financial solutions and implications can be very complicated, so it is refreshing to have Graham cut through the jargon and make sure I\u2019ve understood the implications of choices to consider and decisions to be made. Equally I appreciate how Graham feels responsible for the quality of my interaction with 3<sup>rd<\/sup>parties &#8211; Investors and brokers &#8211; and makes sure my needs are at the center of their thinking. Follow-up by Graham and his team is rigorous \u2013 nothing slips down the cracks. I appreciate the time he invests in our relationship. I know that I can contact Graham at any time and he will be keen to be supportive and act with pace.\u00a0 He\u2019s a good bloke and I am very happy to recommend him. <\/span><\/div><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7411 themify_builder not_editable_builder in_the_loop\" data-postid=\"7411\">\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\/cuts-through-the-jargon-and-makes-sure-my-needs-are-at-the-center-of-his-thinking\/\" title=\"Cuts through the jargon and makes sure my needs are at the center of his thinking\">&mdash; <span>Rob Cook<\/span><\/a><span class=\"testimonial-title\">HR Director<\/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>Calculators Useful tools and calculators from the Money Helper (Money Advice Service). Mortgage Calculator This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4399,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4822","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>Calculators<\/h1>\n<h3>Useful tools and calculators from the Money Helper (Money Advice Service).<\/h3>\n<a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\" aria-label=\"Mortgage Calculator\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e30d2d\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg\" width=\"100\" height=\"100\" title=\"pic7\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Mortgage Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7.jpg 150w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\" aria-label=\"Mortgage Calculator\">Mortgage Calculator<\/a> <\/h3> <p>This tool helps to guide how much you\u2019d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p>\n<a href=\"\/v3\/resources\/calculator\/pension-calculator\/\" aria-label=\"Pension Calculator\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e68f0e\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg\" width=\"100\" height=\"100\" title=\"pic3\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Pension Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/pension-calculator\/\" aria-label=\"Pension Calculator\">Pension Calculator<\/a> <\/h3> <p>This calculator gives an estimate of the income you\u2019ll get when you retire. It includes income from workplace schemes and private pensions contributions, plus your basic State Pension before outlining any shortfall and tips for addressing it.<\/p> <p><em><strong>The value of pensions and investments and the income produce can fall as well as rise. You may get back less than you invested.<\/strong><\/em><\/p>\n<a href=\"\/v3\/resources\/calculator\/savings-calculator\/\" aria-label=\"Savings Calculator\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#0ec767\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg\" width=\"100\" height=\"100\" title=\"increasing-pension-contributions\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Savings Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-978x978.jpg 978w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/savings-calculator\/\" aria-label=\"Savings Calculator\">Savings Calculator<\/a> <\/h3> <p>This handy tool helps users to understand how long it will take to save a specific amount, or how much they need to save to have enough by a particular date.<\/p>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822","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=4822"}],"version-history":[{"count":26,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822\/revisions"}],"predecessor-version":[{"id":11114,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822\/revisions\/11114"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4399"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}