Thomas Whiting Ltd

A Financial advice firm based in Bolton, offering Advice on Investments, Pensions, Mortgages & Protection and Insurance for clients in North west of England

[Thomas Whiting Ltd @Thomas_Whiting]

The 5-day countdown is on! ⏳ Your ISA and Pension allowances expire on April 5th: it’s 'use it or lose it'. Don’t miss out on your tax-free limits. We can help with a quick, no-jargon review. Visit https://t.co/ntr5ymYPhR today to get started.

[Thomas Whiting Ltd @Thomas_Whiting]

Found money? 💷
There are 13m lost pension pots in the UK. The new £1,000 rule makes it easier to consolidate small pots into one place: perfect if you've moved jobs often!
Let’s review yours: https://t.co/ntr5ymYPhR
#Pensions #FinancialAdvice #ThomasWhiting #MoneyTips

[Thomas Whiting Ltd @Thomas_Whiting]

Is there a lost pension pot waiting for you? 💷 There are 13m+ lost pots in the UK. The new '£1,000 rule' makes consolidating them simpler than ever. Ideal if you've changed jobs recently!

Check yours: https://t.co/ntr5ymYPhR

#Pensions #FinancialAdvice #Bolton #ThomasWhiting

[Thomas Whiting Ltd @Thomas_Whiting]

Found money? 💷

13m+ lost pension pots in the UK! The new '£1,000 rule' makes it easier to consolidate small pots into one place. Perfect if you've moved jobs!

Let’s review yours: https://t.co/ntr5ymYPhR

#Pensions #FinancialAdvice #ThomasWhiting #Bolton

[Thomas Whiting Ltd @Thomas_Whiting]

Is your safety net looking a bit... tangled? 🕸️

If your life has changed (new home, kids, job) but your life insurance hasn't, you might have gaps in your cover.

Let’s untangle the fine print together. Visit https://t.co/ntr5ymYPhR.

#LifeInsurance #PeaceOfMind #Bolton

[Thomas Whiting Ltd @Thomas_Whiting]

Spring is here! 🌸 Time for a "Financial Spring Clean" before the new tax year on April 6th.

✅ Check old pensions
✅ Review direct debits
✅ Use ISA allowances
✅ Review your safety net

Need a hand? We're here to help! ☕️

#FinancialSpringClean #ThomasWhitingLtd #Bolton

[Thomas Whiting Ltd @Thomas_Whiting]

Is your pension a tax-free legacy? 🕰️ From 2027, rules change. Pensions move into estates for IHT, creating a '15-month liquidity trap'. Families could wait months for funds. Start planning now: https://t.co/ntr5ymYPhR

#Pensions #IHT #FinancialPlanning #Bolton

[Thomas Whiting Ltd @Thomas_Whiting]

Is your property portfolio still working for you? 🏠

With shifting rates & new 2027 tax rules, now's the time for a Landlord Review. Let's stress-test your structure & stay tax-efficient.

Visit https://t.co/ntr5ymYPhR to book a chat.

#Landlord #PropertyUK #Investing

[Thomas Whiting Ltd @Thomas_Whiting]

Waiting for mortgage rates to drop? 🏠 "Wait and see" can be a trap.

Every month on a high SVR is money out of your pocket. Volatile markets mean today's deals might vanish tomorrow. Let’s run the numbers for you.

#MortgageAdvice #HomeownersUK #FinancialPlanning

[Thomas Whiting Ltd @Thomas_Whiting]

The clock is ticking... ⏳ 14 days left until the end of the tax year! ISA and Pension allowances are 'use it or lose it'. Don't leave money on the table. Reach out for a quick review today: https://t.co/ntr5ymYPhR

#TaxYearEnd #ISA #Pensions #ThomasWhiting #Bolton

[Thomas Whiting Ltd @Thomas_Whiting]

The clock is ticking! ⏳ The tax year ends April 5th.

If you haven’t used your £20,000 ISA allowance, it’s "use it or lose it." Don’t let the taxman take a slice of your growth.

Visit https://t.co/ntr5ymYPhR to chat about your options.
#ISA #FinancialPlanning #Savings

[Thomas Whiting Ltd @Thomas_Whiting]

Ever feel like you’ve had a pay rise, but your bank account hasn’t noticed? That’s "fiscal drag." 📉
Frozen tax thresholds mean a bigger slice goes to the taxman. We can help you stay tax-efficient through pensions and bespoke planning.
#TaxPlanning #FiscalDrag #UKTax

[Thomas Whiting Ltd @Thomas_Whiting]

Pensions are changing! 📉 From 2027, most pensions will likely be included in IHT calculations.

Strategies that worked yesterday might not fit tomorrow. It’s time to review your estate plan.

Drop us a message for a jargon-free chat. ☕️

#Pensions #IHT #TaxPlanning

[Thomas Whiting Ltd @Thomas_Whiting]

2, 3, or 5-year fixed? 🥊

Choosing a mortgage is like choosing a relationship: short-term freedom or long-term stability.

- 2-Yr: Bet on a rate drop.
- 3-Yr: The middle ground.
- 5-Yr: Set it and forget it.

What's your pick? 👇

#Mortgage #FixedRate

[Thomas Whiting Ltd @Thomas_Whiting]

Is your “safe” money losing value? 📉

If savings pay 3% but inflation is 4%, you’re losing buying power. While cash feels secure, the growth gap compared to a well-managed portfolio can be huge over time.

Time to make your money work? #Investing #TaxPlanning #Finance

[Thomas Whiting Ltd @Thomas_Whiting]

Think a small break in your pension contributions won't matter? 📉

A 1-2 year pause in your 30s/40s could lead to a 'retirement gap' worth tens of thousands when you stop working. Compound growth is your best friend! 🤝

Let’s chat. #Pensions #Retirement #UKFinance

[Thomas Whiting Ltd @Thomas_Whiting]

Business owners: Tired of high Corporation Tax? 💼

Your company can contribute directly to your pension. It’s usually a business expense (slashing tax), no NI, and grows tax-efficiently.

Efficiently move profit to your future. ☕ #BusinessOwner #TaxEfficiency #Pensions

[Thomas Whiting Ltd @Thomas_Whiting]

10 tips on how to Pay off your Mortgage early...

#thomaswhitingltd #10tips #mortgages

[Thomas Whiting Ltd @Thomas_Whiting]

11 Tips for Pensions...

#thomaswhiting #pensions #11tips #retirementplanning

[Thomas Whiting Ltd @Thomas_Whiting]

Matt in his element at the season opener for the European long drive tour near Frankfurt Germany. After a tough few days of hitting, Matt came in at 7th place and just missed out on the prize. Great effort @mattjones_longdrive