Hello and a warm welcome to the October 2025 edition of our e-newsletter.
As autumn settles in, there’s a real sense of transition – days are getting shorter, the air a little crisper and many of us are settling back into routine after a busy summer.
It’s a time of year that naturally lends itself to reflection, not only on how the year has unfolded financially, but also on how we’re feeling as we move into the final stretch of 2025.
In the financial world, there’s a cautious sense of stability returning. Inflation easing in parts of the global economy, and central banks signalling a more measured approach to interest rates.
Investors remain watchful of ongoing geopolitical tensions and shifting trade patterns, yet many see signs of renewed resilience in key sectors – a reminder that balance often follows uncertainty.
Beyond the markets, the wider world feels full of both energy and self-reflection. The return of more normal routines after summer, the focus on wellbeing as we head into shorter days, and the growing conversation around finding balance as people navigate busy lives are all shaping how we think about our choices – financial and personal alike. Whether that means setting aside time to reset healthy habits, reviewing year-end goals, or simply embracing quiet moments with family and friends, we believe autumn encourages a mindful approach to both money and life.
In this edition of our e-newsletter we focus on pensions with two articles – a quick guide on how the pension tax free sum works and also an article on the increase of the state pension. Our final article concentrates on Lasting Powers Of Attorney (LPA’s) and some changes that may affect you, but also that we can help with.
We hope this month brings with it a sense of clarity and calm – in your finances and beyond. If this e-newsletter has prompted you to revisit your goals or simply check that everything is still aligned or have prompted and questions or queries, then, as always, our team are here to help so please do not hesitate to get in touch – we would be delighted to hear from you.
Kind regards
Craig McClurg
Director & Independent Financial Planner
Quote Of The Month
The trick is not to do extraordinary things, but to do things extraordinarily well.”
Warren Buffett
