Shackleton - Britain's financial adviser

Estate planning is too important to put on hold.

It's easy to put estate planning on the back burner, but having a clear plan in place can provide certainty about how your affairs will be managed in the future.

This guide outlines the key aspects of estate planning and the practical steps you can take to ensure your wishes are clearly recorded.

👉 https://shackletonadvisers.co.uk/you-and-yours-estate-planning/

We pride ourselves on delivering excellent customer service, and we're delighted to see this reflected in the recent feedback we've received on VouchedFor.

Thank you to our clients for taking the time to share their experiences.

If you'd like to find out how we can help you achieve your financial goals, visit our website and speak with one of our advisers. Alternatively, visit our VouchedFor page below:

👉 https://www.vouchedfor.co.uk/firm/15947-shackleton-advisers-limited

The US Treasury has announced a new campaign aimed at reducing the number of unclaimed Child Trust Funds.

From 4 July 2026, Trump Accounts will provide $1,000 for eligible children born between 1 January 2025 and 31 December 2028. Families and other contributors can add up to $5,000 per year until the child turns 18.

The scheme has similarities to the UK's Child Trust Fund programme, which supported 6.3 million children born between 2002 and 2011, with the government contributing £2 billion to help encourage long-term saving.

It will be interesting to see how the US programme develops and what lessons can be drawn from the UK's experience.

👉 Read more here: https://shackletonadvisers.co.uk/a-new-initiative-for-dealing-with-unclaimed-child-trust-funds/

Investor sentiment is becoming more cautious as concerns around inflation and ongoing tensions in the Middle East continue to weigh on markets.

Speaking to Citywire, Charlie Lloyd, Head of Investments at Shackleton, commented:

"Following a period of strong market performance, we recognise that many investors naturally question the sustainability of returns, particularly against a volatile geopolitical backdrop. Our view, however, is that recent market moves have been grounded in fundamentals rather than exuberance."

While headlines continue to drive uncertainty, our focus remains on the underlying fundamentals that support long-term investment outcomes.

👉 Click here to find out more: https://citywire.com/new-model-adviser/news/advisers-say-client-sentiment-heading-south-amid-iran-war/a2491146

Shackleton is pleased to announce the acquisition of Putney, London-based financial advice firm Parallel Financial Limited (“Parallel”), further strengthening its presence in London as part of its ongoing nationwide expansion.

The acquisition significantly bolsters Shackleton’s specialist capabilities in advising on financial planning matters for clients in the creative, media, art, film, TV and technology sectors, in which Parallel offers particular expertise and experience.

👉 Click here to read the full press release: https://shackletonadvisers.co.uk/shackleton-acquires-parallel-financial-limited/

A common piece of basic financial advice is that you should have enough of a cash reserve to cover at least three months’ (and ideally up to six) of your essential regular outgoings. That means expenses like your mortgage or rent, food, council tax and utility bills: it does not include the nice-to-haves. Nevertheless, the sum involved can easily run to five figures, especially if you are aiming for the half-year yardstick.

👉 Find out more about easy access accounts and cash ISAs here: https://shackletonadvisers.co.uk/where-is-your-emergency-cash

The government has announced a 6% interest rate cap on some student loans - but it is not all it seems.

Following Easter, the Department for Education (DfE) said the cap on Plan 2 and Plan 3 loans would “protect borrowers”. However, the measure is only temporary and many graduates may still face higher repayments than expected.

👉 Find out more in our latest article: https://shackletonadvisers.co.uk/student-loans-are-they-of-little-interest/

It's great to see Shackleton adviser Robyn Lovatt quoted on the front page of today's Daily Telegraph.

As reported in Alex Marsh and Emma Munbodh's detailed investigation, some people have been wrongly billed thousands of pounds through incorrect tax codes, after policy changes led to some taxpayers finding unexpected adjustments to their PAYE tax codes - often linked to estimated savings interest figures.

Robyn said:

“We are increasingly seeing savings interest estimates fed directly into taxpayers’ PAYE codes, often without any clear breakdown of how the figures have been calculated.”

This is a timely reminder to check your tax code carefully, as small errors can lead to costly overpayments. If you have any questions about whether you may be impacted by these errors, or any other financial planning query, please contact your financial adviser.

👉 Click here to read the full article (subscription required): https://www.telegraph.co.uk/money/tax/income/savers-forced-to-overpay-thousands-in-tax-after-hmrc-errors/