Archive: September 2026

Not exactly. You can’t backdate an actual pension contribution to an earlier tax year — HMRC treats a contribution as made on the date it’s actually paid. But if you have unused pension Annual Allowance from the last three tax years, you may be able to carry it forward (often searched for as “carrying back”) Read More +

Work-life balance for business owners is something I think about constantly — not just as an adviser, but as someone who talks to owner after owner who can’t quite manage it. Summer’s winding down. The suitcases are unpacked, the out-of-office is switched off, and — if I’m honest — so was quite a lot of Read More +

Your portfolio matters. I’m Claire Markham, and it’s my job to care about it. As an independent financial planner, I work for you, with a local focus on Horncastle, and a global focus on your wealth. That doesn’t mean though that I don’t have carefully-chosen partners to help me do my job and help you grow your Read More +

Inheritances are left to enhance our quality of life. However, you have to consider the downside of an inheritance. Specifically, the inheritance tax. The inheritance tax (IHT) is typically paid at a rate of 40% on all amounts exceeding the applicable threshold. The ceiling will vary based on individual circumstances. Navigating the stringent rules that Read More +

How financially compatible are you and your partner? Grab your significant other, answer honestly, and see how your money personalities align. How to play: Each partner answers individually, then compare answers. The more often you match (or understand why you don’t), the stronger your financial chemistry. 1. When you receive unexpected extra money, you’re most Read More +

Technology and artificial intelligence advancements have transformed how we manage investments today. For a long time, the financial service industry has sought to automate its processes, ranging from back-end compliance to customer services. Artificial intelligence (AI) unleashes immense computational power and the ability to analyse vast amounts of data, reshaping the realm of financial advice Read More +

Announced on 22nd November, the Autumn Statement was the Government’s opportunity to provide insights into the UK’s current economic position and provide a roadmap for the next few months, particularly as we head towards a UK General Election.  The general assessment was that the economy has improved and demonstrated a degree of resilience but that Read More +

When it comes to financial planning, business owners and company directors often let important issues slip through the cracks. While highly experienced and motivated in their professional realm, high-level executives simply don’t have enough time to focus on their own financial well-being. This often leads to poor choices and missed opportunities. That’s why we made Read More +

Here at FH Manning Financial Services, we are thrilled and honoured to announce that we have been awarded the prestigious ‘Heart of the Wolds’ award! This recognition means so much to our dedicated team and is testament to the ethical values we hold dear. The Heart of the Wolds Business Awards celebrate businesses across the Read More +

It is a fine Tuesday morning in Lincolnshire. Following a final swig of coffee I leave the house and head to the office. A 20-minute drive through the heart of the Wolds, passing Cadwell Park on the A153, a road notorious for its snowdrop flowers and featured on one of Jeremy Clarkson’s programs. On that Read More +