Celtic Financial Planning Ltd

🌟 Welcome 2024 with a Fresh Start in Financial Planning! 🌟 As the New Year unfolds, it's the perfect time to set new goals and aspirations. Why not begin with your financial future? At Celtic Financial, we're here to guide you every step of the way. 🎉 New Year, New Financial Goals! Kickstart your journey towards financial security with us. Whether you're planning for retirement, looking to invest, or seeking advice on wealth management, our team of expert advisors is ready to help. 🤝 Free Initial Meeting for New Clients We offer a FREE initial consultation for all new clients. It's an opportunity to discuss your financial goals with no strings attached. 🏢 Conveniently Located in Mold & St Asaph, North Wales Visit us at our welcoming offices in Mold and St Asaph. We're more than just advisors; we're your local financial partners. ⭐ Trusted by Many - Over 100 5-Star Google Reviews Your trust is our pride! With over 100 5-star reviews, our clients' satisfaction speaks for the quality of our service. 🏆 Multi-award-winning, Chartered Independent Financial Advice Our commitment to excellence has earned us multiple awards. When you choose us, you're choosing a recognised leader in independent financial advice. 📆 Let's Make 2024 a Year of Financial Growth Don't let another year pass by without taking control of your finances. Contact us today, and let's make 2024 a milestone year for your financial well-being!

🌍 Going Greener at Our Mold HQ! 🌱 This month, we're excited to announce a significant step in our sustainability journey. We've switched our electricity supply to Octopus Energy, known for their commitment to green energy solutions. By choosing Octopus, we're reducing our carbon footprint by an estimated 3 tons annually—further solidifying our carbon positive status! 🔋 Why Octopus? Octopus Energy is at the forefront of renewable energy, supplying homes and businesses with electricity sourced from renewable resources like solar, wind, and hydro. Their innovative approach to energy supply ensures not only sustainability but also reliability and cost-efficiency. 👣 This change is a part of our ongoing commitment to make a positive impact on our planet and promote sustainability in every aspect of our operations. ⚠️ Disclaimer: Other energy suppliers are available, and we encourage everyone to explore the options that best fit their needs. 🌟 Let’s continue making choices that benefit our environment and future generations! #Sustainability #GreenEnergy #OctopusEnergy #CorporateResponsibility

🚀 Team Update: Our Year So Far! 📞 As of 24/10/2024 our devoted team made a staggering 3,734 calls to service our existing clients and advise new ones! 🌟 That averages to about 18 calls every working day since the start of the year. 💼 Commitment to Excellence: This impressive effort underscores our commitment to providing top-notch financial planning services. Whether you’re a long-time client or new to our community, our team is here, working tirelessly Monday through Friday to ensure your financial goals are met with the utmost care. 🙌 Thank You: A massive thank you to all our clients for trusting us with your financial journeys, and to our hard-working team for making every interaction count. 📈 Planning Your Financial Future? If you're looking for dedicated and thorough financial planning, look no further. Contact us today to see how we can assist you in reaching your financial objectives. #FinancialPlanning #ClientService #TeamEffort #ThankYou

🌌 Dream Big with Blue Sky Planning What would you do if there were no limits? In our initial meetings, we invite you to dream big with "Blue Sky Planning." Imagine your ideal future – where you are, what you've achieved, and how you feel. This isn't just daydreaming; it's the first step towards creating a concrete financial plan that brings you closer to your ultimate goals. 🔍 How It Works: 1. Envision Your Perfect Scenario: Where do you see yourself? What does your ideal lifestyle look like? 2. Strategic Backward Planning: We take your vision and work backwards, crafting a step-by-step plan to turn your dreams into achievable goals. 3. Tailored Financial Strategies: From investments to savings to estate planning, every piece of advice is customised to ensure the path we chart leads you right to where you want to be. 💼 Why It Matters: Blue sky thinking allows us to break free from constraints and explore the full potential of your financial capabilities. With a clear vision, we can address not just what is, but what could be, providing you with tailored strategies that fit your ambitions. 📞 Contact us today for an initial meeting, and let’s map out a financial future that’s as boundless as the blue sky. ⚠️ Investing involves risks, including the potential loss of capital. Past performance is not indicative of future results. Always ensure that any investment decisions you make are suitable for your circumstances and risk appetite. #BlueSkyThinking #FinancialPlanning #DreamBig #FinancialGoals #InvestInYourFuture

📢 Budget Breakdown: Key Points from Chancellor Rachel Reeves' First Budget Announcement! 📉 🔹 National Insurance: Employers' contributions are up from 13.8% to 15%. The threshold has dropped from £9,100 to £5,000, but employment allowance has increased from £5,000 to £10,500. 🔹 Income Tax: Despite the buzz, thresholds will rise with inflation starting 2028-29. 🔹 Capital Gains Tax: Higher rate payers will see an increase from 20% to 24% on assets like shares, while lower rate payers will go from 10% to 18%. Rates on residential property are staying the same. 🔹 Non-Dom Taxation: The non-dom tax regime will be phased out starting April 2025. 🔹 Carer’s Allowance: The earnings threshold for full-time carers rises from £151 to £195 per week. 🔹 Alcohol Duty: Enjoy a 1.7% tax cut on draught drinks, while non-draught drinks will see a rise in line with inflation. 🔹 Fuel Duty: The 5p cut on petrol and diesel is extended to April 2026. 🔹 Stamp Duty: The surcharge on second homes jumps from 2% to 5% starting tomorrow. 🔹 Air Passenger Duty: Expect a 50% hike for private jet passengers. 👀 Stay tuned as we delve deeper into what these changes mean for your finances! #Budget2024 #FinancialUpdates #RachelReeves

🏡 Budget 2024: Inheritance Tax Changes Chancellor Rachel Reeves has announced a further two-year extension on the inheritance tax (IHT) threshold freeze until 2030. Key points include: - Thresholds Remain: The first £325,000 of an estate is tax-free, £500,000 if a residence is passed to direct descendants, and £1 million when allowances are passed to a surviving spouse or civil partner. - Inherited Pensions: Will be included in inheritance tax from April 2027. - Agricultural and Business Property Reliefs: Reformed from April 2026. The first £1 million in combined business and agricultural assets remains IHT-free, with assets over £1 million subject to a 50% relief, effectively taxed at 20%. These changes could impact estate and succession planning strategies. We’re here to support clients in navigating these updates. #Budget2024 #InheritanceTax #EstatePlanning

📈 Budget 2024: Capital Gains Tax Increase Chancellor Rachel Reeves has announced an increase in Capital Gains Tax (CGT) rates: - Lower Rate: Rising from 10% to 18% - Higher Rate: Increasing from 20% to 24% These rates apply to profits made from selling assets such as second homes and investments (e.g., shares). The Capital Gains Tax rates on residential property will remain at 18% and 24%. These adjustments highlight the government’s focus on raising revenue from asset-based gains. We’re ready to guide clients on how these changes may impact their investment and property portfolios. For info only. Not to be taken as advice and we are not tax experts. #Budget2024 #CapitalGainsTax #InvestmentPlanning

🏢 Budget 2024: National Insurance Changes for Employers Chancellor Rachel Reeves has announced adjustments to National Insurance contributions: - Employer Contribution Rate: Rising from 13.8% to 15% - Threshold Adjustment: Businesses will now start paying National Insurance on earnings above £5,000, reduced from the previous threshold of £9,100 The chancellor has said these changes are aimed at increasing revenue to support broader economic initiatives. We’re here to help businesses understand and prepare for these impacts on their payroll and financial planning. #Budget2024 #NationalInsurance #BusinessFinance

📢 Budget 2024 Wage Increases Announced Chancellor Rachel Reeves has confirmed a 6.7% rise in the National Living Wage for those aged 21 and over, moving from £11.44 to £12.21 per hour starting next April. This is slightly above the 5.8% increase recommended by the Low Pay Commission earlier this year. Additional increases include: - Ages 18-20: From £8.60 to £10.00 per hour - Apprentices: From £6.40 to £7.55 per hour We’ll keep providing updates on the budget’s impacts on wages and your financial outlook. #Budget2024 #NationalLivingWage #FinancialPlanning

📊 Budget 2024 Economic Outlook Chancellor Rachel Reeves has presented a detailed forecast from the Office for Budget Responsibility (OBR) on Labour’s economic policies for the next decade. Here’s the projected real GDP growth: 2024: 1.1% 2025: 2.0% 2026: 1.8% 2027: 1.5% 2028: 1.5% 2029: 1.6% #Budget2024