State Pension Deferral Calculator

What is it worth to defer your state pension? Thinking about delaying your State Pension? You’re not alone. The decision to defer can have a big impact on your retirement income — but it can be surprisingly hard to work out whether it’s worth it for you. Our comprehensive State Pension Guide explains the rules, […]
UK State Pension Guide 2025/26 – Rates, Age, Forecast & Boosting Tips.

What Is the UK State Pension? The State Pension is the UK-government’s guaranteed, inflation-linked income for people who have built up enough National Insurance (NI) years during their working life. It is not a pot you invest yourself; instead, today’s NI contributions help pay today’s pensioners on a pay-as-you-go basis. Key features at a glance […]
State Pension Age Calculator

When will you get your state pension? As you’re probably aware the state pension age has been in the process of being raised for a number of years now with the ultimate aim of taking it up to age 68. To help you check when you get your state pension age we made the calculator […]
Standish v Standish: how the Supreme Court’s ruling reshapes divorce settlements & tax-planning

The Supreme Court’s ruling in Standish v Standish may be the most important divorce ruling about financial settlements in 20 years. In simple terms, It helps answer this: if you transfer assets to your partner to save tax — are they still “yours,” or do they become “shared” if you later split up? The case […]
Latest Articles & News
Autumn Budget 2024: What You Need to Know for Your Finances

In our recent YouTube Live session, John broke down the key points of the Autumn Budget from his perspective as an Independent Financial Adviser and what they mean for your financial planning. Instead of focusing on the politics or headlines, John provided actionable insights to help you optimize your strategy. Key Topics Covered: Why reacting […]
Free Financial Education Webinars

Bloomfield Financial Limited is launching a series of free educational webinars to help you navigate complex financial topics. From understanding ISAs to managing your pension’s annual allowance and avoiding the 60% tax trap, our webinars offer valuable insights and practical advice. Register now and empower yourself with financial knowledge.
Video – Inflation Vs Mortgages: What Mortgage Holders Can Do
I’ve been saying for quite a while now that I would relaunch our YouTube channel to address common financial questions bith relatively simple and complex. In this new video I explain in simple terms what I believe is going on with inflation and mortgage and what home owners can do to best protect themselves. You […]
Why We Re-Balance Investment Portfolios?

Re-Balancing of investment portfolios can to many amateur investments seem counter intuitive. If you’re not familiar with the concept re-balancing an investment portfolio is the act of returning the funds held back to the proportions in which they were originally purchased. So imagine you have a portfolio of just 2 funds. Fund A and Fund […]
Legal Ways To Pay Less Tax In The UK…Even If You’re Not Rich!

So we’ve heard a lot on the news in the last few days about the super rich exploiting loopholes to pay as little tax as possible, and frequently I hear people say that there are no tax breaks available for ordinary folk. And while you can’t save millions if you don’t have millions there are […]