Ardent Wealth Limited

Ardent Wealth Limited Ardent Wealth Ltd is a proud partner of M&G Advice. The advice recommendations we make are from a carefully selected range of products and funds.

This is known as restricted advice. Richard 07827976782
Laura 07831594850 Contact Richard Girvan. Chartered Financial Planner Greater Belfast NI.
07827976782.
02892671661

Contact Laura Collins. Financial Adviser North West NI. Mobile 07831594850. Office 02871347474. Contact Sharon Doherty. Ardent Adviser Support & Customer Service Consultant.
07517603809.

Helping you navigate your pension options - Feeling overwhelmed by your pension options? You’re not alone.One of the mos...
06/05/2026

Helping you navigate your pension options - Feeling overwhelmed by your pension options? You’re not alone.

One of the most common things we hear is:

“I didn’t realise there were so many ways to take my pension… and I don’t know which one is right for me.”

And that’s completely understandable. When you reach the point of accessing your pension, you’ll usually have several choices, whether that’s taking a lump sum, using drawdown, buying an annuity, or blending different approaches. Each route works differently, and each person’s circumstances, goals, and tax position are unique.

That’s why there’s no “one-size-fits-all” answer. The right path depends on your situation, your lifestyle, income needs, family plans, health, and long‑term priorities.

At Ardent Wealth Ltd, this is exactly where we can help. Our job isn’t just to explain the options (although we are very happy to do that), but to help you understand what each one could mean for you personally, without any guesswork, confusion, or pressure.

If you’re approaching retirement, thinking about accessing your pension for the first time, or simply want clarity, we are here to guide you through your choices in a clear and confident way.

If you’d like to explore what your options might look like, feel free to get in touch.

You don’t need to navigate this alone!
Richard & Laura

Pension tax relief — ever wondered how it works? In the UK, pension tax relief is the way HMRC helps boost your pension...
04/05/2026

Pension tax relief — ever wondered how it works?

In the UK, pension tax relief is the way HMRC helps boost your pension contributions by giving you tax relief on the money you pay in. How that relief is applied depends on how your pension scheme is set up.

With many personal and stakeholder pensions, contributions are paid net of basic‑rate tax. The pension provider then claims 20% basic‑rate tax relief from HMRC and adds it to your pension — this is known as relief at source.

If you’re a higher or additional rate taxpayer, you may be entitled to further tax relief. It won't be added to your relief at source pension, instead, it’s claimed back from HMRC, usually through Self Assessment or by adjusting your tax code.

Some workplace pension schemes use the net pay arrangement. In these schemes, contributions are taken from your gross pay before income tax is calculated, so higher‑ and additional‑rate taxpayers automatically receive tax relief at their marginal rate through payroll — with no need to claim anything back.

Different methods, same principle: tax relief can mean that more money goes into your pension than it costs you personally. However, tax rules can change and the impact of taxation and any tax relief depends on your circumstances, including where you live. Everyone’s circumstances are different, so if you’d like personalised guidance on your pension tax relief, let’s have a quick chat.

Planning for the unexpected! In everyday life, people often protect different things they care about, from insuring pets...
01/05/2026

Planning for the unexpected! In everyday life, people often protect different things they care about, from insuring pets to gadgets to holidays. But conversations about financial planning often highlight the role that protection can play in supporting stability when life doesn’t go to plan. Having some form of protection in place may offer a degree of financial continuity for loved ones. It could help them manage ongoing costs, maintain their home or keep future plans on track, if your income is no longer available. These arrangements may be more accessible than many assume, especially when looked at earlier in life. Reviewing protection as part of your wider financial picture, alongside savings, pensions and other long‑term plans, could help you understand how different elements might work together to support both your present and future needs. It’s not only about building wealth; it’s also about safeguarding it. If you’d like to talk this through, feel free to reach out.

Planning for the future when you’re self‑employed.. Running your own business often means your focus stays firmly on the...
29/04/2026

Planning for the future when you’re self‑employed.. Running your own business often means your focus stays firmly on the day‑to‑day. So it’s no surprise that longer‑term planning can sometimes slip down the list. When you’re self‑employed, the immediate demands of work can take priority, and thinking about the future often waits for a quieter moment. There's many routes that self‑employed individuals can explore when it comes to building long‑term financial security. Taking time to understand the different options available can help highlight approaches that may offer features such as flexibility or potential tax advantages Even small steps over time may help you feel more confident about the future. With personalised support, Ardent Wealth Limited can help you explore how a financial plan might align with your goals and the rhythms of self‑employment, providing guidance as you consider the best way forward for you. If you’d like help understanding the options available, get in touch.

What does your "dream retirement" actually look like? 💭 🏍​Everyone’s ambitions are different, and your financial plan sh...
27/04/2026

What does your "dream retirement" actually look like? 💭 🏍
​Everyone’s ambitions are different, and your financial plan should reflect that. We specialise in helping you make the right provisions now so you can enjoy the things you love later. ​Approach your retirement years with confidence, not questions. Let’s start planning. 💼✨

Planning for the life you want.. "Have you heard of “SKI-ing”, Spending the Kids’ Inheritance?It’s a term sometimes used...
27/04/2026

Planning for the life you want.. "Have you heard of “SKI-ing”, Spending the Kids’ Inheritance?
It’s a term sometimes used to describe how people may choose to use their money later in life. After years of working and saving, some people choose to focus on experiences, enjoyment and maintaining their financial independence in retirement rather than prioritising wealth for the next generation. It’s a useful reminder that people's financial choices can change over time. As priorities and circumstances evolve, the amount or timing of any inheritance could change, and it may not always form part of someone’s future plans. Thinking about this raises an important point: having your own long‑term plans, and understanding the tools and options available to support your financial future, could help you feel more prepared, regardless of what happens with family wealth. Whatever stage you’re at, taking steps to understand your financial position could be valuable. If you’d like help planning your future, let’s talk.

Investing in employee financial well-being! If you're looking for ways to strengthen the support you offer your workforc...
24/04/2026

Investing in employee financial well-being! If you're looking for ways to strengthen the support you offer your workforce, financial well‑being could be a valuable place to start. Developing a clearer understanding of their finances could help them feel more prepared and supported, both inside and outside of work. That’s where workplace financial education could make a real impact. Ardent Wealth Limited as a partner of M&G Advice, can work with businesses to deliver clear and practical financial‑planning sessions that help employees build their understanding of key financial topics. From retirement planning and investing to protection and inheritance tax planning, these sessions aim to support individuals in understanding their options so they can make decisions with greater clarity. If your organisation is exploring ways to enhance its employee well-being strategy, we would be happy to discuss how financial education might fit into your plans. Feel free to get in touch.

The basics of multi‑asset funds.. Ever wondered what a multi‑asset fund actually is? It’s a common question and unders...
22/04/2026

The basics of multi‑asset funds.. Ever wondered what a multi‑asset fund actually is? It’s a common question and understanding the basics could really help you feel more confident about how different types of investments work. A multi‑asset fund is exactly what it sounds like – a single investment fund that spreads money across a mix of assets, typically including stocks and shares, bonds, property and other diversified investments.

Why do people use them?
🔹 Diversification – Instead of relying on one type of asset, the fund blends several to help manage risk.
🔹 Flexibility – Professional fund managers adjust the mix depending on market conditions.
🔹 Convenience – Helps you get broad exposure through one investment rather than buying lots of different assets individually.

Remember, the value of any investment can go down as well as up so you might not get back the amount you put in.

If you’d like to understand how multi‑asset funds work in more detail, or how they fit into the wider investment landscape, the Ardent Wealth Limited team would be happy to talk you through it. Feel free to message me anytime with your questions.

How compound interest works? Compound interest is often described as a basic law of maths, and over time it could help ...
20/04/2026

How compound interest works? Compound interest is often described as a basic law of maths, and over time it could help explain how savings grow. In simple terms, it’s about earning interest not just on the money you put aside, but also on the interest that money has already earned. Over longer periods, this “interest on interest” effect may start to build up, which is why it’s commonly referred to as compounding. Time plays an important part. The longer money remains invested, the more opportunity it could have to benefit from this effect. That’s why starting earlier, even with smaller amounts, help show the impact time could have on long‑term outcomes. Remember, the value of savings can go down as well as up, and you may get back the amount you put in. If you’d like a clearer understanding of how compound interest works, we would be happy to explain the concept and answer general questions. Feel free to get in touch.

Monday mood today in sunny NI 🍦☀️
20/04/2026

Monday mood today in sunny NI 🍦☀️

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