Financial planning that puts your future firmly in your hands
Most people know they should have a financial plan. Very few actually have one. Hulljady Chartered Accountants works with individuals, directors, and business owners to build clear, practical financial plans – grounded in your real numbers, aligned with your goals, and reviewed regularly as life changes.
WHAT WE DO
The difference a financial plan actually makes
Financial planning isn’t about spreadsheets and jargon. It’s about knowing that your business, your family, and your future are properly protected — and that every financial decision you make is pulling in the same direction.
Retirement security — Planned
Know exactly what income you'll have in retirement, when you can afford to stop working, and how to get there in the most tax-efficient way possible.
Tax efficiency — Maximised
A coordinated plan ensures your salary, dividends, pension contributions, and investments are structured to legally minimise the tax you pay — now and in the future.
Wealth protection — Secured
The right insurance, wills, and structures in place so that illness, accident, or death doesn't undo everything you've worked to build.
THE HULLJADY DIFFERENCE
Financial planning services for individuals and business owners
Unlike a standalone financial adviser, our chartered accountants see your complete financial picture — your business accounts, your tax position, your personal income. That means our financial planning advice is always grounded in reality, not assumptions.
Retirement & Pension Planning A clear plan for how much you need to retire, when you can do it, and the most tax-efficient route to get there — whether through a personal pension, SIPP, workplace scheme, or a combination. We also advise on pension carry-forward, annual allowance, and the lifetime allowance implications for high earners.
Cash Flow Forecasting & Modelling Detailed long-term cash flow models that show how your financial position evolves under different scenarios — early retirement, business sale, inheritance, or major expenditure. Seeing the numbers laid out clearly is often transformational for clients making big decisions.
Tax-Efficient Investment Planning Advice on ISAs, VCTs, EIS, SEIS, and other tax-advantaged investment wrappers — structured around your personal tax position and investment risk appetite. We ensure your investments are tax-efficient from day one, not just in isolation.
Inheritance Tax Planning With the nil-rate band frozen and residential property values continuing to rise, IHT is increasingly affecting middle-income families. We model your IHT exposure and develop strategies — including gifting, trusts, and Business Relief — to protect your estate for the next generation.
Protection Planning Life assurance, critical illness cover, income protection, and key person insurance reviewed and structured correctly — both personally and through your business where appropriate. We ensure you’re not underinsured, overinsured, or paying for cover that no longer fits your circumstances.
Business Exit & Succession Planning Whether you’re planning to sell, pass the business to family, or bring in a management buyout, we help you structure the exit to maximise value and minimise tax — including Business Asset Disposal Relief (formerly Entrepreneurs’ Relief), share reorganisations, and deferred consideration planning.
KEY FIGURES
KEY ALLOWANCES & THRESHOLDS
2025/26 financial planning limits at a glance
Making the most of available allowances is the foundation of good financial planning. Many clients are consistently under-using the reliefs that are available to them.
Annual Pension Allowance — £60,000
The maximum you can contribute to a pension each year and still receive tax relief. Unused allowance can be carried forward for up to three years — a significant opportunity for business owners with variable profits.
ISA Allowance — £20,000
The annual ISA subscription limit per person. Returns and withdrawals are completely free of income tax and capital gains tax, making ISAs one of the most straightforward tax shelters available.
Capital Gains Tax Annual Exempt Amount — £3,000
The amount of capital gain you can realise each year free of CGT. With rates having increased in recent years, planning the timing of disposals is more important than ever.
Inheritance Tax Nil-Rate Band — £325,000
The threshold below which no IHT is payable, plus a residential nil-rate band of up to £175,000 where a main residence passes to direct descendants. Couples can combine allowances for an effective threshold of up to £1 million.
Many of these allowances are frozen through to April 2028, meaning more people are being dragged into tax as their income, assets, and property values grow. Proactive planning with Hulljady now can significantly reduce your long-term tax exposure.
WHY HULLJADY
Chartered accountants who see the whole picture
Most financial advisers work in isolation from your accountant. That means your pension advice, your tax planning, and your business finances are rarely joined up — and the gaps between them can be expensive.
At Hulljady, financial planning is built into the same practice that handles your accounts, your tax returns, and your bookkeeping. There’s no Chinese wall between your adviser and your accountant. It’s all one conversation.
- Your financial plan is built on your actual numbers, not estimates
- Pension, investment, and tax advice fully coordinated — no conflicting strategies
- Regulated, qualified advice from ICAEW chartered accountants
- Regular annual reviews to keep your plan on track as circumstances change
- Fee transparency — no hidden commissions, no product-led advice
- Holistic approach covering business and personal finances in the same engagement
COMMON QUESTIONS
Financial Planning — frequently asked questions
Do I need a financial plan if I already have an accountant?
Your accountant ensures you're compliant and tax-efficient today. A financial plan ensures you're building towards the right outcome for tomorrow. The two are complementary — and most powerful when they're integrated. Many clients come to us having had excellent compliance work done for years but with no coherent strategy for retirement, business exit, or wealth protection. We bring both together.
How is financial planning advice charged?
We operate on a transparent fee basis — you will always know what you are paying before we begin any work. We do not earn commissions from product sales or receive payments from insurance or investment providers that could influence our recommendations. Our fees are agreed upfront and can be paid monthly, quarterly, or as a one-off engagement fee depending on the nature of the work.
What is the difference between a financial planner and a financial adviser?
The terms are often used interchangeably, but there is a meaningful difference. A financial adviser typically focuses on recommending specific financial products — a pension, an ISA, a protection policy. A financial planner takes a broader, longer-term view of your entire financial situation and builds a coordinated strategy to achieve your goals. At Hulljady, we do both — with the added advantage that your plan is built alongside your accountancy and tax work.
When is the right time to start financial planning?
The honest answer is: earlier than most people think. The most powerful financial planning tool available is time — the earlier you begin saving into a pension, maximising your ISA, or planning your business exit, the more options you have and the lower the cost of achieving your goals. That said, it is never too late to benefit from proper planning, and many clients come to us in their 50s and still make significant improvements to their financial position.
Can Hulljady advise on my existing pensions and investments?
Yes. We review all existing arrangements — personal pensions, workplace schemes, SIPPs, old employer pensions, ISAs, and investment portfolios — assess their suitability, performance, and cost, and advise on whether consolidation, switching, or restructuring would be beneficial. Many clients have legacy pensions from previous employment that are performing poorly or charging excessive fees without realising it.
What happens if my circumstances change significantly?
Life rarely follows a straight line. A business sale, a divorce, an inheritance, a health diagnosis — any of these can fundamentally change your financial planning priorities. We build regular reviews into every financial planning engagement and are available to reassess your plan whenever a significant change occurs. Your plan is a living document, not a one-off piece of work filed away and forgotten.
READY TO GET STARTED?
Your financial future is too important to leave to chance.
Book a free, no-obligation consultation with one of our chartered accountants. We’ll review your current financial position and show you clearly what a joined-up financial plan could do for you.