The ER Network

07/09/2026

𝐈𝐬 𝐲𝐨𝐮𝐫 𝐜𝐚𝐬𝐡 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐚𝐬 𝐡𝐚𝐫𝐝 𝐚𝐬 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝?

You might have £20,000, £50,000 or more sitting in a bank account, earning interest. But, when was the last time you checked the rate?

There are savings solutions that can give you access to 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐯𝐞 𝐫𝐚𝐭𝐞𝐬 𝐟𝐫𝐨𝐦 𝐚 𝐫𝐚𝐧𝐠𝐞 𝐨𝐟 𝐛𝐚𝐧𝐤𝐬, without having to spend your time constantly shopping around.

Your money stays in cash — you could simply be making it work harder. Currently, an easy access account is generating up to 3.95% interest, and there are lots of accounts to choose from, with one easy application. And importantly, 𝐞𝐥𝐢𝐠𝐢𝐛𝐥𝐞 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐰𝐢𝐭𝐡 𝐔𝐊-𝐚𝐮𝐭𝐡𝐨𝐫𝐢𝐬𝐞𝐝 𝐛𝐚𝐧𝐤𝐬 𝐜𝐚𝐧 𝐛𝐞𝐧𝐞𝐟𝐢𝐭 𝐟𝐫𝐨𝐦 𝐅𝐒𝐂𝐒 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐨𝐟 𝐮𝐩 𝐭𝐨 £𝟏𝟐𝟎,𝟎𝟎𝟎 𝐩𝐞𝐫 𝐩𝐞𝐫𝐬𝐨𝐧, 𝐩𝐞𝐫 𝐚𝐮𝐭𝐡𝐨𝐫𝐢𝐬𝐞𝐝 𝐟𝐢𝐫𝐦.

𝐈𝐟 𝐲𝐨𝐮'𝐯𝐞 𝐠𝐨𝐭 𝐬𝐢𝐠𝐧𝐢𝐟𝐢𝐜𝐚𝐧𝐭 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐬𝐢𝐭𝐭𝐢𝐧𝐠 𝐢𝐧 𝐭𝐡𝐞 𝐛𝐚𝐧𝐤, 𝐢𝐭 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐰𝐨𝐫𝐭𝐡 𝐚 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧.

We can help you understand your options and find a solution that's right for you.

𝐘𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲 𝐰𝐨𝐫𝐤𝐞𝐝 𝐡𝐚𝐫𝐝 𝐭𝐨 𝐠𝐞𝐭 𝐭𝐡𝐞𝐫𝐞. 𝐋𝐞𝐭’𝐬 𝐰𝐨𝐫𝐤 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐭𝐨 𝐤𝐞𝐞𝐩 𝐢𝐭 𝐠𝐫𝐨𝐰𝐢𝐧𝐠.

Approver Quilter Financial Services Limited September 2026.

26/08/2026

For those just starting their investment journey, there’s now a low-cost platform that makes investing simple, with our financial advisers able to provide free setup and guidance.

𝐀𝐝𝐯𝐢𝐜𝐞 𝐢𝐬 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 - 𝐈𝐭'𝐬 𝐚𝐛𝐨𝐮𝐭 𝐨𝐮𝐭𝐜𝐨𝐦𝐞𝐬.

Everyone has to start somewhere when it comes to saving and investing. That's why we offer Quilter Invest, a straightforward way to take control of your financial future. If you need more than general guidance but aren't ready for comprehensive financial advice, Quilter Invest could be the right fit. It's often ideal for individuals and families at the beginning of their investment journey. With no advice or subscription fees, you can manage your ISA, SIPP, savings accounts and general investment accounts through a simple, easy-to-use app, anywhere in the world.

If you need somewhere to 𝐦𝐚𝐧𝐚𝐠𝐞 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲, 𝐢𝐧𝐯𝐞𝐬𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞 and 𝐦𝐚𝐤𝐞 𝐢𝐧𝐟𝐨𝐫𝐦𝐞𝐝 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬, and don’t need full advice, there’s a great solution, which we can talk you through. Drop us a message and we’ll help you achieve one of the lowest platform rates available (currently from 0.10% annually)*.

If your needs become more complex, we're 𝐡𝐞𝐫𝐞 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐰𝐢𝐭𝐡 𝐭𝐡𝐚𝐭 𝐭𝐨𝐨, because at Pivotal, it’s not about how much money you have. 𝐈𝐭’𝐬 𝐚𝐛𝐨𝐮𝐭 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞, 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐠𝐨, 𝐚𝐧𝐝 𝐟𝐢𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐭𝐨 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐠𝐞𝐭 𝐭𝐡𝐞𝐫𝐞.

*Correct at time of publishing
Approver Quilter Financial Services Limited August 2026.

24/08/2026

HMRC’s latest figures reveal that inheritance tax (IHT) receipts rose by £0.1bn to £3.2bn between April and July 2026. As more families look for ways to protect their wealth, increasing numbers of couples are choosing to marry to benefit from spousal IHT exemptions, while charitable giving has surged by 88% over the past six years.

Many of your clients are likely facing the same inheritance tax challenges, creating an opportunity to discuss effective estate planning strategies and help preserve more of their wealth for future generations.

Money left to charity is not liable for inheritance tax, and you can cut the overall rate from 40 per cent to 36 per cent if you give a big enough chunk of your estate to good causes.

17/08/2026

Well done, Jordan Mushet - Financial Adviser

There's nothing more rewarding than helping clients feel confident about their financial future.

Our highly-rated adviser, Jordan Mushet, recently helped clients take their first steps into investing after years of simply saving. By taking the time to understand their goals and explain their options clearly, Jordan helped them make a decision that was right for them.

"𝐖𝐞 𝐰𝐚𝐧𝐭𝐞𝐝 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬. 𝐉𝐨𝐫𝐝𝐚𝐧 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐯𝐞𝐧𝐭𝐮𝐫𝐞 𝐢𝐧𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐚𝐟𝐭𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐡𝐚𝐯𝐢𝐧𝐠 𝐝𝐨𝐧𝐞 𝐭𝐡𝐢𝐬 𝐛𝐞𝐟𝐨𝐫𝐞. 𝐓𝐡𝐞 𝐚𝐝𝐯𝐢𝐜𝐞 𝐉𝐨𝐫𝐝𝐚𝐧 𝐬𝐮𝐩𝐩𝐥𝐢𝐞𝐝 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐜𝐨𝐫𝐫𝐞𝐜𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐟𝐨𝐫 𝐮𝐬."

At Pivotal Financial Planning, we're passionate about helping clients make informed financial decisions with confidence.

14/08/2026

Are your business clients and introducers missing an opportunity to maximise their business cash reserves?

Talk to our fee-free busines cash reserves team about how your business can achieve an enhanced interest rate on your cash reserves.

11/08/2026

𝐇𝐞𝐚𝐥𝐭𝐡 & 𝐖𝐞𝐥𝐥𝐛𝐞𝐢𝐧𝐠 𝐒𝐞𝐦𝐢𝐧𝐚𝐫 – 𝐒𝐨𝐮𝐭𝐡 𝐋𝐚𝐧𝐚𝐫𝐤𝐬𝐡𝐢𝐫𝐞 𝐂𝐨𝐮𝐧𝐜𝐢𝐥

We’re spending the day at the Health & Wellbeing Seminar with South Lanarkshire Council today.

We're excited to meet and talk about the importance of planning for the future — not just financially, but making sure you’re in the best possible position to enjoy the next stage of life.

At Pivotal Financial Planning, we help people with everything from pensions and investments to savings, wealth management, later-life planning, inheritance advice and protection.

It’s never too early to start thinking about what your future looks like.

Great to be here today! if you're here too, stop by and say hello 👋 Jordan Mushet DipPFS Cert CII (MP)

07/08/2026

𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐫𝐞𝐚𝐭𝐞 𝐚𝐧 𝐢𝐧𝐡𝐞𝐫𝐢𝐭𝐚𝐧𝐜𝐞 𝐭𝐚𝐱 𝐛𝐢𝐥𝐥 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

For many years, pensions have been one of the most tax-efficient assets to pass on. However, from 6 April 2027, most unused pension funds and pension death benefits will form part of your estate for inheritance tax calculations. As a result, thousands more families could face an inheritance tax liability for the first time.

Inheritance tax is generally due by the end of the sixth month following death, yet administering an estate can often take significantly longer. For families with substantial pension wealth, these changes could create both a larger tax liability and additional pressure to access funds quickly.

✅ Current IHT Allowances Remain:
• Nil Rate Band: £325,000
• Residence Nil Rate Band: up to £175,000 per person (where applicable)
• Married couples and civil partners may still be able to pass on up to £1 million tax-efficiently through transferable allowances.

Consider this:

𝐃𝐨 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐬𝐢𝐳𝐞𝐚𝐛𝐥𝐞 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐡𝐚𝐭 𝐲𝐨𝐮 𝐰𝐞𝐫𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐭𝐨 𝐥𝐞𝐚𝐯𝐞 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?
𝐂𝐨𝐮𝐥𝐝 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞, 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬, 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐜𝐨𝐦𝐛𝐢𝐧𝐞𝐝 𝐞𝐱𝐜𝐞𝐞𝐝 𝐲𝐨𝐮𝐫 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞 𝐚𝐥𝐥𝐨𝐰𝐚𝐧𝐜𝐞𝐬?
𝐇𝐚𝐯𝐞 𝐲𝐨𝐮 𝐫𝐞𝐯𝐢𝐞𝐰𝐞𝐝 𝐲𝐨𝐮𝐫 𝐞𝐬𝐭𝐚𝐭𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐬𝐢𝐧𝐜𝐞 𝐭𝐡𝐞 𝐆𝐨𝐯𝐞𝐫𝐧𝐦𝐞𝐧𝐭 𝐚𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐝 𝐭𝐡𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐬?

Planning ahead gives you more options and greater flexibility.
If your house, pensions, investments and savings total exceed £500,000, it’s worth exploring your options with a free initial consultation.

If you'd like to understand how the 2027 changes could affect your family, we're here to help.

Approver Quilter Financial Services Ltd August 2026

03/08/2026

Fresh HMRC statistics show pensioners paid £29.8 billion in income tax in 2024/25, up from £21.1 billion in 2022/23 – a rise of more than 40% in just two years.

Millions more pensioners are paying income tax after frozen thresholds pushed HMRC's take to £29.8bn, while pension tax relief climbed above…

27/07/2026

𝐀𝐥𝐝𝐞𝐫𝐦𝐨𝐫𝐞 𝐥𝐚𝐮𝐧𝐜𝐡𝐞𝐬 𝐧𝐞𝐰 𝐟𝐢𝐯𝐞-𝐭𝐢𝐞𝐫 𝐫𝐞𝐬𝐢𝐝𝐞𝐧𝐭𝐢𝐚𝐥 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐫𝐨𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧

Aldermore has expanded its residential mortgage offering with a new five-tier proposition, including lending options up to 98% LTV.

The enhanced range is designed to provide more flexibility for brokers supporting clients with different circumstances, particularly those who may be struggling with larger deposit requirements.

With affordability and deposit challenges continuing to impact many borrowers, this could provide advisers with another option when looking to help clients achieve their homeownership goals.

The new lending approach includes enhanced criteria for first-time buyers, self-employed applicants, contractors and customers with complex income.

20/07/2026

The Financial Times has highlighted a growing concern: many people are reaching retirement without a clear plan or a full understanding of their financial position.

As advisers, it's a useful reminder that some of the most valuable conversations don't start with products – they start with questions.

✅ Do your clients know what retirement could actually look like?
✅ Have they reviewed their pensions, investments, protection and mortgage together?
✅ Are they prepared for the unexpected?

Whether you advise on mortgages, protection or wealth, now is a great time to encourage clients to review their plans before small issues become bigger ones.

A simple annual review could make all the difference.

For Gen X, financial planning needs to involve career planning