Did you know that earning just £1 extra could lead to £1,000s lost in free childcare? It might sound extreme, but the UK’s tax system makes this a possibility. Below, our financial planners explain the key changes to UK childcare […]
There are reports of many over-55s taking their tax-free pension lump sum ahead of the Autumn Budget in November. This is partly driven by fear that the Chancellor might change UK pension rules, such as the tax-free lump sum, to […]
Getting life insurance is a big decision. Firstly, the policy wording needs to cover your needs (you don’t want your family missing out on a payout on a technicality). Secondly, the premiums should reflect the policy value - nobody should […]
Global markets continued to deliver strong growth in September, most notably in the US, UK and Asia. Many indices reached record highs - riding on positive indicators, such as decisions by central banks. However, concerns over public finances (e.g. the […]
Castlegate Financial Management is pleased to announce its inclusion in the FTAdviser Top 100 Financial Advice Firms 2025. This esteemed ranking acknowledges firms across the United Kingdom that excel in client service, demonstrate sustainable growth, uphold high professional standards, and […]
On Friday, 19th September, our team took part in a fantastic charity walk from our 'Castlegate' office to the 'castle gates' at Belvoir Castle – complete with a horse, a knight, kings, queens, and even a jester! 👑🐴🤹 We’re proud […]
The UK tax system is supposedly “progressive” (the more you earn, the more you pay). Yet, the system is notoriously complex, with a code running over 23,000 pages. No wonder many people needlessly overpay. The challenge of tax planning can […]
Should you “combine” your pension pots? For millions of people, managing their pensions can feel overwhelming. The average person is estimated to have 10-12 jobs across their working lifetime. Each job can bring its own pension “pot”, potentially leaving you […]
Being a business owner is very different to being an employee. Your personal and company finances are deeply intertwined, and a lot rests on your shoulders (e.g. other team members’ jobs). Financial planning is vital, but you cannot simply look […]
We all want to leave a legacy for our loved ones. Without careful planning, taxes can get in the way - especially inheritance tax (IHT), causing delays, distribution mistakes or needless erosion to the wealth we hope to pass down. […]
Market indices have been reaching new highs across the world. Investors are taking comfort in many encouraging economic signs in the UK. The UK economy is facing challenges, however, including rising inflation and questions over interest rates and future fiscal […]
Life is full of change. From infancy to old age, we all face key events that need navigating, such as graduation, buying a first home, marriage (or committed partnership), children, starting a business, grandchildren and more. Many of these are […]
Castlegate Financial Management Limited is registered in England No. 2077374. Registered Office: 8 Castlegate, Grantham, Lincolnshire. NG31 6SE. Authorised and Regulated by the Financial Conduct Authority. FCA No. 169777.
