Jordan Mushet - Financial Adviser

𝐃𝐎𝐍’𝐓 𝐋𝐄𝐓 𝐘𝐎𝐔𝐑 𝐏𝐄𝐍𝐒𝐈𝐎𝐍 𝐂𝐎𝐀𝐒𝐓 𝐈𝐍𝐓𝐎 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓.

𝐌𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐢𝐭’𝐬 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐲𝐨𝐮.

It’s surprisingly easy to leave a pension behind when you change jobs and simply assume it will look after itself.

But an old pension could have:

- Charges that are higher than necessary

- Investments that no longer reflect your attitude to risk

- Funds that haven't been reviewed for years

- Poor value compared with newer alternatives

- Features or restrictions you may not even realise you're paying for

And the numbers can be significant.

There are an estimated 𝟑.𝟑 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐥𝐨𝐬𝐭 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐩𝐨𝐭𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐔𝐊, 𝐰𝐨𝐫𝐭𝐡 𝐚𝐫𝐨𝐮𝐧𝐝 £𝟑𝟏.𝟏 𝐛𝐢𝐥𝐥𝐢𝐨𝐧.

The Financial Conduct Authority (FCA) also reported in 2026 that some legacy pension products may provide poorer value because of older product design and complex charging structures.

And in an FCA/DWP/TPR illustration, a £10,000 pension growing in a poor-performing scheme could reach around £10,400 over five years, compared with £15,100 in a high-performing one. 𝐓𝐡𝐚𝐭'𝐬 𝐚 𝟒𝟔% 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞.

That doesn't mean every old pension is bad — far from it. But it does mean your pensions are worth reviewing. Because the pension you forgot about today could be funding your lifestyle tomorrow.

𝐃𝐨𝐧'𝐭 𝐥𝐞𝐚𝐯𝐞 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐭𝐨 𝐜𝐡𝐚𝐧𝐜𝐞. 𝐑𝐞𝐯𝐢𝐞𝐰 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮'𝐯𝐞 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐛𝐮𝐢𝐥𝐭.

Get in touch to have a chat about your old pensions.

📱07498219757
📧 [email protected]

Approver Quilter Financial Services Limited October 2026

Sources:

https://www.fca.org.uk/news/press-releases/pension-firms-must-do-more-customers-older-pensions-fund-savings
https://www.fca.org.uk/news/press-releases/pension-value-be-put-under-spotlighthttps://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1168816/analysing-the-impact-of-private-pension-measures-on-member-outcomes.pdf
https://www.fca.org.uk/news/press-releases/defined-contribution-workplace-pensions-audit-charges-and-benefits-legacy

“𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞? 𝐓𝐡𝐚𝐭’𝐬 𝐟𝐨𝐫 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐢𝐭𝐡 𝐦𝐢𝐥𝐥𝐢𝐨𝐧𝐬, 𝐢𝐬𝐧’𝐭 𝐢𝐭?”

A common myth is that you only need a financial adviser if you have lots of money to invest. But financial advice isn’t just about managing wealth.

It’s about protecting what you have, planning for what’s ahead and making the most of the money you’ve worked hard for.

𝐀 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐬𝐞𝐫 𝐜𝐨𝐮𝐥𝐝 𝐡𝐞𝐥𝐩 𝐲𝐨𝐮 𝐢𝐟:

→ You have a family and want to make sure they’re financially protected if you can’t work, are made redundant or die.
→ You own your home or have other assets and want to make sure they go to the people you care about.
→ You have savings or investments and want to make sure they’re in the right place and working as hard as they could be.
→ You’re thinking about retirement and want to know whether you’re on track for the lifestyle you’d like.
→ You want to get your affairs in order with a Will, Power of Attorney or Trust, and make sure your estate is structured with tax in mind.
→ You simply want to make the most of what you’ve worked hard for.

And with changes to pensions coming into effect in April, are you fully aware of what they could mean for you, your retirement plans and the people you want to leave your money to?

It could be worth taking advice now, rather than finding out later.
Because financial advice isn’t just for people with millions.
It’s for people with plans, families, futures and things worth protecting.

𝐆𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡 𝐟𝐨𝐫 𝐚 𝐟𝐫𝐞𝐞 𝐢𝐧𝐢𝐭𝐢𝐚𝐥 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐭𝐢𝐨𝐧. 𝐍𝐨 𝐩𝐫𝐞𝐬𝐬𝐮𝐫𝐞, 𝐣𝐮𝐬𝐭 𝐚 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧 𝐚𝐛𝐨𝐮𝐭 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐛𝐞.

Approver Quilter Financial Services Limited September 2026.

𝐖𝐡𝐚𝐭 𝐝𝐨 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐯𝐚𝐥𝐮𝐞 𝐚𝐛𝐨𝐮𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞?

I could probably count on one hand the number of clients who care solely about investment growth. Of course they want their money to grow. That's important. It's one of the main reasons we're working together in the first place.

But ask them what they really value about having an adviser, and the answer is much broader.

It's being able to send a WhatsApp with a question and know you’ll get a quick reply.

It's having someone who knows your circumstances and can help when life throws you a curveball.

It's spotting a tax problem before it becomes an expensive one.

It's planning ahead rather than reacting when something happens.

It's finding a solution when the obvious answer isn't necessarily the right one.

It's thinking differently. Joining the dots. Looking at the bigger picture. And, ultimately, knowing that someone you trust is helping make sure you and your family are financially prepared for whatever comes next.

𝐓𝐡𝐚𝐭'𝐬 𝐭𝐡𝐞 𝐫𝐞𝐚𝐥 𝐯𝐚𝐥𝐮𝐞 𝐨𝐟 𝐚𝐝𝐯𝐢𝐜𝐞.

Investment performance matters. But it's only one part of the story. And perhaps that's why the best financial advice isn't really about investments at all.

It's about 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐚𝐫𝐨𝐮𝐧𝐝 𝐭𝐡𝐞𝐦.

Sources:
https://www.fca.org.uk/publications/research-notes/bridging-advice-gap-estimating-relationship
https://www.royallondon.com/about-us/media/media-centre/press-releases/archive/financial-advice-provides-47000-wealth-uplift/
https://www.vanguard.co.uk/professional/vanguard-365/client-relationships/articulating-your-value/case-studies
https://www.vanguard.co.uk/professional/insights/how-well-do-financial-advisers-know-their-clients
https://www.royallondon.com/about-us/media/Media-Centre/press-releases/press-releases-2025/november/Clients-increasingly-value-advice-amidst-budget-speculation-and-market-uncertainty/

Approver Quilter Financial Services September 2026

I'm grateful to have received another 5-star review from a client in North Lanarkshire.

They first got in touch as they approached their 55th birthday, recognising the value of specialist advice when it comes to planning for retirement. It's always rewarding to hear that clients feel properly supported through what can be a complex and sometimes daunting process — and even more so when they've achieved the outcome they were hoping for.

Retirement planning isn't a one-size-fits-all exercise. Whether you're a few years out or just starting to think ahead, getting the right guidance early can make a significant difference to your options later on.

If you'd like to discuss your own retirement plans, I'd be happy to help. Feel free to get in touch.

📞 07498219757
📧 [email protected]

𝐓𝐡𝐞 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝐆𝐫𝐞𝐚𝐭 𝐀𝐝𝐯𝐢𝐜𝐞 𝐌𝐚𝐤𝐞𝐬

Great financial planning is about more than recommendations and reports. It's about building trusted relationships, providing reassurance during challenging times, and being there when clients need support most. That's why we're delighted to see Jordan recognised by a client on VouchedFor for his commitment, communication and dedication throughout their financial planning journey.

"𝐇𝐞 𝐡𝐚𝐬 𝐤𝐞𝐩𝐭 𝐢𝐧 𝐫𝐞𝐠𝐮𝐥𝐚𝐫 𝐜𝐨𝐧𝐭𝐚𝐜𝐭 𝐚𝐧𝐝 𝐨𝐟𝐭𝐞𝐧 𝐰𝐞𝐧𝐭 𝐚𝐛𝐨𝐯𝐞 𝐚𝐧𝐝 𝐛𝐞𝐲𝐨𝐧𝐝 𝐢𝐧 𝐭𝐡𝐞 𝐰𝐨𝐫𝐤 𝐡𝐞 𝐜𝐚𝐫𝐫𝐢𝐞𝐝 𝐨𝐮𝐭."

At Pivotal Financial Planning, we believe the best outcomes come from truly understanding our clients' circumstances and supporting them every step of the way. Feedback like this reflects the high standards of service and client care that Jordan and the wider team strive to deliver every day.

Thank you for your kind words and for placing your trust in Jordan Mushet - Financial Adviser and Pivotal Financial Planning.

𝐄𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐰𝐞𝐞𝐤 𝐨𝐧 𝐚 𝐡𝐢𝐠𝐡! 🙌

30 reviews.
30 five-star ratings.
And a whole lot of happy clients.

We’re incredibly proud to see Jordan reach 𝟑𝟎 𝐚𝐥𝐥-𝐭𝐢𝐦𝐞 𝐕𝐨𝐮𝐜𝐡𝐞𝐝𝐅𝐨𝐫 𝐫𝐞𝐯𝐢𝐞𝐰𝐬 — 𝐞𝐯𝐞𝐫𝐲 𝐬𝐢𝐧𝐠𝐥𝐞 𝐨𝐧𝐞 𝐫𝐚𝐭𝐞𝐝 𝟓 𝐬𝐭𝐚𝐫𝐬. ⭐⭐⭐⭐⭐

A huge thank you to everyone who has taken the time to share their experience. It genuinely means a lot.

30 down… now for the next 30 Jordan Mushet - Financial Adviser?

𝐇𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫? 𝐘𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐛𝐞 𝐥𝐨𝐬𝐢𝐧𝐠 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝𝐬 𝐢𝐧 𝐮𝐧𝐜𝐥𝐚𝐢𝐦𝐞𝐝 𝐭𝐚𝐱 𝐫𝐞𝐥𝐢𝐞𝐟

During a recent client meeting, we discovered that the client had been a 𝐡𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫 𝐟𝐨𝐫 𝐟𝐢𝐯𝐞 𝐲𝐞𝐚𝐫𝐬, paying into a pension throughout that time — but had never completed a Self Assessment.

They were receiving the standard 𝟐𝟎% 𝐩𝐞𝐧𝐬𝐢𝐨𝐧 𝐭𝐚𝐱 𝐫𝐞𝐥𝐢𝐞𝐟, but were entitled to more (𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝟐𝟎%)!

Five years of missed additional relief is a significant amount of money.

And this is the bit that worries us: 𝐡𝐨𝐰 𝐦𝐚𝐧𝐲 𝐨𝐭𝐡𝐞𝐫 𝐡𝐢𝐠𝐡𝐞𝐫-𝐫𝐚𝐭𝐞 𝐭𝐚𝐱𝐩𝐚𝐲𝐞𝐫𝐬 𝐚𝐫𝐞 𝐝𝐨𝐢𝐧𝐠 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 𝐭𝐡𝐞 𝐬𝐚𝐦𝐞 𝐭𝐡𝐢𝐧𝐠 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐫𝐞𝐚𝐥𝐢𝐬𝐢𝐧𝐠 𝐢𝐭?

If you’re a higher-rate taxpayer and you've never checked how much tax relief you’re actually receiving, 𝐧𝐨𝐰 𝐢𝐬 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐜𝐡𝐞𝐜𝐤.

We can review your pension, identify whether additional relief may be available and help you understand what you could potentially reclaim. The tax man could owe you 𝐮𝐩 𝐭𝐨 £𝟏𝟐,𝟎𝟎𝟎 𝐟𝐨𝐫 𝐞𝐯𝐞𝐫𝐲 𝐲𝐞𝐚𝐫 you have not claimed the tax relief.

𝐃𝐨𝐧’𝐭 𝐚𝐬𝐬𝐮𝐦𝐞 𝐲𝐨𝐮’𝐫𝐞 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮'𝐫𝐞 𝐞𝐧𝐭𝐢𝐭𝐥𝐞𝐝 𝐭𝐨.
𝐅𝐢𝐧𝐝 𝐨𝐮𝐭 𝐛𝐲 𝐦𝐞𝐬𝐬𝐚𝐠𝐢𝐧𝐠 𝐦𝐞 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞 𝐭𝐡𝐢𝐬 𝐦𝐞𝐬𝐬𝐚𝐠𝐞 𝐰𝐢𝐭𝐡 𝐟𝐫𝐢𝐞𝐧𝐝𝐬.

Tax treatment depends on individual circumstances and may change. This post is for general information only and does not constitute financial advice.



Approver Quilter Financial Services Limited August 2026

There's nothing more rewarding than helping clients feel confident about their financial future.

Our highly-rated adviser, Jordan Mushet, recently helped clients take their first steps into investing after years of simply saving. By taking the time to understand their goals and explain their options clearly, Jordan helped them make a decision that was right for them.

"𝐖𝐞 𝐰𝐚𝐧𝐭𝐞𝐝 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐦𝐨𝐬𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬. 𝐉𝐨𝐫𝐝𝐚𝐧 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐯𝐞𝐧𝐭𝐮𝐫𝐞 𝐢𝐧𝐭𝐨 𝐢𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠 𝐚𝐟𝐭𝐞𝐫 𝐧𝐞𝐯𝐞𝐫 𝐡𝐚𝐯𝐢𝐧𝐠 𝐝𝐨𝐧𝐞 𝐭𝐡𝐢𝐬 𝐛𝐞𝐟𝐨𝐫𝐞. 𝐓𝐡𝐞 𝐚𝐝𝐯𝐢𝐜𝐞 𝐉𝐨𝐫𝐝𝐚𝐧 𝐬𝐮𝐩𝐩𝐥𝐢𝐞𝐝 𝐡𝐞𝐥𝐩𝐞𝐝 𝐮𝐬 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐜𝐨𝐫𝐫𝐞𝐜𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧 𝐟𝐨𝐫 𝐮𝐬."

At Pivotal Financial Planning, we're passionate about helping clients make informed financial decisions with confidence.

Thank you to for the invitation to their health and wellbeing seminar.

It was genuinely refreshing to have so many honest conversations about money, the future and the things that people don’t always think about when it comes to their finances.

Financial planning isn’t just about pensions. It’s about looking at the whole picture.

💷 Are your savings working as hard as they could be?
🏡 What happens to your home if you pass away without a Will?
👨‍👩‍👧‍👦 If you inherit money from a family member, what does that mean for you — and could there be tax implications?
🌅 Will your pensions provide the retirement you’re hoping for?
🛡️ And are you and your family financially protected if life doesn’t go to plan?

These are the conversations we love having at Pivotal Financial Planning. Sometimes, a simple conversation can highlight things you hadn’t considered and help you feel more confident about the future.

If your company is planning a health, wellbeing or financial advice day, we’d love to be involved. Get in touch — we’d be delighted to have a chat and see how we can support your team.

A huge thank you to everyone who stopped to chat with Jordan Mushet - Financial Adviser today; we look forward to following up with you so you can feel retirement ready!

Until next time!

𝐇𝐞𝐚𝐥𝐭𝐡 & 𝐖𝐞𝐥𝐥𝐛𝐞𝐢𝐧𝐠 𝐒𝐞𝐦𝐢𝐧𝐚𝐫 – 𝐒𝐨𝐮𝐭𝐡 𝐋𝐚𝐧𝐚𝐫𝐤𝐬𝐡𝐢𝐫𝐞 𝐂𝐨𝐮𝐧𝐜𝐢𝐥

We’re spending the day at the Health & Wellbeing Seminar with South Lanarkshire Council today.

We're excited to meet and talk about the importance of planning for the future — not just financially, but making sure you’re in the best possible position to enjoy the next stage of life.

At Pivotal Financial Planning, we help people with everything from pensions and investments to savings, wealth management, later-life planning, inheritance advice and protection.

It’s never too early to start thinking about what your future looks like.

Great to be here today! if you're here too, stop by and say hello 👋 Jordan Mushet DipPFS Cert CII (MP)