Archive: February 2026

By Claire Markham, Managing Director — FH Manning Financial Services, Horncastle As a financial adviser who works with owner-managed businesses every day, one question I hear again and again from limited company directors is: “How can I reduce my corporation tax bill in a way that also supports my long-term financial goals?” The answer I Read More +

At FH Manning Financial Services, we understand that planning for retirement can feel overwhelming, especially when it comes to understanding how much State Pension you might receive. Many of our clients come to us unsure of where to start or how their State Pension fits into their broader retirement strategy. That’s why we encourage anyone Read More +

As a company director, it’s easy to get caught up in the day-to-day demands of running a business. Yet, one area that’s often overlooked—and one that can deliver significant long-term value—is pension planning. Whether it’s your retirement provision or the scheme you offer to your employees, now is an ideal time to review where things Read More +

If you’re a company director with an eye on the future—your retirement as well as the long-term direction of your business—then the way you invest matters. One route that is often overlooked but offers exceptional value is the Small Self-Administered Scheme (SSAS). Over the years, I’ve worked closely with directors of small and medium-sized businesses Read More +

Understanding the Tax-Free Cash Allowance and Potential Changes As we approach the 2024 budget, there’s a growing anticipation about potential tax changes. One area that often attracts attention is the tax-free cash allowance available from pension funds. When you reach the age of 55 (or 57 from April 2025), you can access a portion of Read More +

Are you concerned about whether you can afford to retire, or afford the lifestyle you want in retirement. For many people, the state pension is not enough, and they need additional retirement income to support travel, spoiling the grandchildren, or staying in the home they love. Saving enough money can be a challenge, especially if Read More +

Too many people lose financial security as they age. They may not have saved enough money, they may not understand the requirements for their State Pension, or they may have failed to plan in other ways. This can lead to forced downsizing, the inability to retire while still healthy, and an increased burden on younger Read More +

The short answer is yes. It is possible to backdate pension contributions under certain conditions. The process is called ‘carry forward’ and allows you to contribute to a pension scheme for a previous tax year after the designated deadline. If it is your intention to use carry forward in the future, you must have had Read More +

Significant tax benefits may result from pension contributions made through a limited company. These contributions are usually considered an allowable business expense and could be used to offset company liabilities while increasing payouts. Making Pension Contributions as Limited Company Directors Among the few tax incentives accessible to limited company directors are the deduction for pension Read More +

Given the recent uncertainty, we appreciate that many will be concerned about the resulting impact on their pensions and investments. From today and until further notice, F H Manning Financial Services are providing telephone appointment slots for those in Lincolnshire, who do not currently have an adviser but would like to discuss their holdings in Read More +