Seneca Reid Ltd Logo

Life Centred Financial Planning

Living in interesting times: how advice can help

Posted by Andrew_Smith on Monday 8th of September 2025

We’re living in unpredictable times; from rising living costs and market fluctuations to fast-moving changes in jobs, tech, and even family structures. For many people, the old financial playbook no longer applies.

In these moments, advice isn’t about chasing the lowest cost — it’s about making the right choices for you. Ones that reflect your values, your needs, and the realities you’re living with right now.

Whether you’re dealing with a sudden loss of income, stepping into a caring role, or struggling to keep up with digital changes, ad...


2025/26 Tax Planning is Underway

Posted by Andrew_Smith on Wednesday 9th of April 2025

Every year brings new possibilities, and as we approach the start of the 2025/26 tax year, it's the perfect time to maximise your financial options and opportunities. Whether you're an investor or a saver, there are many tax benefits to take advantage of, and our team of experts is on hand to provide you with the information you need to make the best decisions for your finances.

 

 

What should my priorities be?

In 2025/2026, you can contribute a maximum of £20,000 across all your ISAs. This allowance applies to Cash ISAs, Stocks and Sha...


Your Financial Prescription

Posted by Andrew_Smith on Tuesday 11th of March 2025

The parallels between medicine and personal finance are noteworthy, as both require discipline, prudence, and timely actions. Just as physical health depends on preventative care and informed decisions, monetary well-being relies on sound financial habits.

While every investor has unique circumstances and challenges, it’s helpful to lay out the path for those who want to embark on a successful journey. As we navigate our financial journey, having a clear and precise plan is paramount. Today, we aim to provide just that with a well-crafted f...


Saving for your child's university education

Posted by Andrew_Smith on Thursday 6th of March 2025

Saving for your child’s university education requires careful planning and budgeting. By starting early, considering investment opportunities, encouraging your child to save, looking for scholarships and bursaries, and planning, you can make saving for university a manageable goal and give your child the best possible start in life.

What is the average cost of university?

The annual cost of an undergraduate degree is £9,250 for most students in the UK. However, in England this figure is due to increase to £9,535 as of September 2025.

As w...


Archive