Why Wills Are a Core Part of Sound Financial Planning
The recent, tragic news that Liam Payne, former member of One Direction, passed away without a will is not only deeply sad — it also highlights the importance of proactive estate planning, particularly for individuals with children or complex financial affairs
How Much Do I Need to Retire? A Simple Guide for Modern Families
Retirement used to be about winding down — but for today’s families, it’s more about freedom, flexibility, and choice. Whether you want to stop working entirely, reduce your hours, or pivot to something more meaningful, one big question often comes up:
“How much do I actually need to retire comfortably?”
Salary Sacrifice: A Smart Move for Employers — Especially in the Face of Rising NI Costs
From 6 April 2025, many UK employers have seen a noticeable increase in their National Insurance (NI) bills — a change that’s putting fresh pressure on payroll costs just as businesses are navigating a tighter economic landscape.
At Ella Rose Financial, we’re speaking to more business owners looking for proactive ways to manage this challenge — without cutting back on employee benefits.
One practical, often-overlooked solution? Salary sacrifice for workplace pensions.
Is This the Right Deal for Me and My Family? Why Financial Planning Should Start Before You Exit Your Business
Selling a business isn’t just a financial decision — it’s a deeply personal one.
After years (or decades) of hard work, business owners often reach the point where it’s time to move on. That might mean selling to a third party, transitioning to family, or winding things down. But one of the most common questions we hear in those early conversations is:
“How do I know this deal is right — not just for the business, but for my family and my future?”
Securing Your Family's Future: The Importance of Income Protection
For families, income protection goes beyond just covering the bills. It means your children can stay in the same schools, you can keep the roof over your heads, and your family’s lifestyle remains intact while you focus on getting well.
Financial Planning & Mental Health: The Hidden Link to Peace of Mind
Money is one of the top stressors for many people, affecting sleep, relationships, and even physical health. Without a plan, we can feel as though life is a series of financial curveballs, leaving us reacting rather than acting. Financial planning helps break this cycle by creating a roadmap. It replaces financial uncertainty with clarity, giving you a sense of control.