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# Milestone Financial Planning: What's in your plan?

## Sitemaps
[XML Sitemap](https://www.milestonefp.co.uk/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Milestone Newsletter Summer 2026](https://www.milestonefp.co.uk/milestone-newsletter-summer-2026/): Download PDF version
- [Pre-Exit Wealth Planning: What Business Owners Should Do in the Years Before Selling](https://www.milestonefp.co.uk/pre-exit-wealth-planning/): Pre-exit wealth planning is the process of organising your tax position, investment structure and personal finances in the years leading up to selling a business. For business owners, the way assets are structured before a sale can significantly affect Capital Gains Tax, Inheritance Tax exposure and long-term retirement outcomes. Effective planning focuses on timing, tax efficiency and how sale proceeds will be deployed after exit.
- [SIPP, ISA or Limited Company? The Smart Pension Strategy for High Earners Who Work for Themselves](https://www.milestonefp.co.uk/self-employed-high-earners/): Self-employed high earners can build a highly tax-efficient retirement strategy by combining a SIPP, ISA and structured limited company planning. SIPPs provide tax relief and long-term investment growth, ISAs provide flexible tax-free access, and employer pension contributions from a company improve corporation tax efficiency. Used together, they create a structured and resilient long-term financial planning framework.
- [Tax-Efficient Ownership of UK and Overseas Holiday Homes: How can I structure second properties to minimise CGT, IHT and Rental tax exposure](https://www.milestonefp.co.uk/tax-efficient-ownership-holiday-homes/): But the challenge is that holiday homes sit inside a surprisingly complex tax environment. They are not just "nice assets". They can fall under multiple regimes at once, depending on how they are used, where they are located, and how long you keep them. The key is not to over-engineer ownership, but to understand the rules early enough that decisions remain optional, not forced.
- [Milestone Newsletter Spring 2026](https://www.milestonefp.co.uk/milestone-newsletter-spring-2026/): Download PDF version
- [How to Manage Your Property Portfolio Into Retirement to Fund Income](https://www.milestonefp.co.uk/manage-property-portfolio-into-retirement/): A well-structured property portfolio can form a significant part of a high-net-worth retirement strategy, helping you manage your property portfolio into retirement in a way that delivers sustainable income through rental yields and planned property sales. When combined with the State Pension and private pensions, it allows us to help you to model and plan your retirement income with greater clarity. This guide explains how to structure it properly.
- [Planning For Long-term Care: Costs, Deprivation of Assets and What Can be Done](https://www.milestonefp.co.uk/long-term-care-planning-uk/): Long-term care planning in the UK is means-tested, with current thresholds of £23,250 (upper) and £14,250 (lower) determining eligibility for support, subject to change. Assets, income, pensions, and property may all be assessed, meaning most individuals self-fund for a period. Early long-term care planning helps clarify funding options, deprivation of assets rules, and solutions such as immediate needs annuities.
- [Milestone Newsletter Winter 2025](https://www.milestonefp.co.uk/milestone-newsletter-winter-2025/): Download PDF version
- [Harriet Lunn](https://www.milestonefp.co.uk/harriet-lunn/): I joined Milestone in August 2025 as a trainee paraplanner, having worked in financial services for 4 years.
- [Callum Smith](https://www.milestonefp.co.uk/callum-smith/): As an adviser at Milestone, I work closely with clients to understand their aspirations, analyse their current position, and build tailored financial plans that support their long-term goals. My work includes retirement planning, investment and wealth strategy, protection advice, helping business owners and higher-net-worth individuals, and ultimately helping clients navigate those major life transitions. I continue to enjoy producing educational content surrounding financial concepts, something on the website that helps clients feel informed and supported every step of the way.
- [The Smart Pension Strategy for High Earners](https://www.milestonefp.co.uk/the-smart-pension-strategy-for-high-earners/): This is where professional guidance about a pension strategy becomes invaluable. The strategy for a high-earning self-employed individual is not the same as the strategy for an employee. It requires knowledge not just of pensions but also of company structures, tax interactions, sequencing risk, cash flow planning, and long-term investment philosophy. A well-designed pension strategy does not simply prepare you for retirement. It gives you the freedom to make decisions now without fearing their long-term consequences.
- [Should I put my money in stocks or Investment Funds](https://www.milestonefp.co.uk/stocks-or-investment-funds/): If you’re reading this and wanting to know more about Stocks or Investment Funds, please reach out to one of the advisers at Milestone. We’d be more than happy to find the best way to secure your finances, protecting them from being eroded by inflation and helping them grow into something that fits your needs.
- [Future Proofing Family Wealth: How to Safeguard Assets from a Child’s Potential Divorce](https://www.milestonefp.co.uk/future-proofing-family-wealth/): For wealthy families, one of the most uncomfortable questions is not about how to make money, but how to protect it. What happens if your child divorces one day? The thought can feel intrusive, even unwelcome, but it is a reality that many families confront quietly. Multigenerational family wealth is delicate, and without planning, a single divorce can erode decades of careful financial structuring. It is not about pessimism; it is about preparation. Can you afford to ignore the potential impact on your family’s assets?
- [The psychology of spending and saving: why behavioural biases cost you money](https://www.milestonefp.co.uk/the-psychology-of-spending-and-saving/): The information provided in this article/guide is for general information only and does not constitute personal advice. The FCA does not regulate tax advice. Tax treatment depends on individual circumstances and may change in the future.
- [The overlooked inheritance tax rule that could save your family hundreds of thousands](https://www.milestonefp.co.uk/overlooked-inheritance-tax-rule/): By Callum Smith, Independent Financial Adviser
- [Milestone Newsletter Autumn 2025](https://www.milestonefp.co.uk/milestone-newsletter-autumn-2025/): Download PDF version
- [Milestone Newsletter Summer 2025](https://www.milestonefp.co.uk/milestone-newsletter-summer-2025/): Download PDF version
- [VouchedFor 2025 Guide to Top Rated Financial Advisers](https://www.milestonefp.co.uk/guide-to-top-rated-financial-advisers/): Milestone Financial Planning are extremely proud to announce that two of our financial advisers have been listed in the VouchedFor 2025 Guide to Top Rated Financial Advisers, published annually in The Times Newspaper.
- [Milestone Newsletter Winter 2024](https://www.milestonefp.co.uk/milestone-newsletter-winter-2024/): Download PDF version
- [Milestone Newsletter Autumn 2024](https://www.milestonefp.co.uk/milestone-newsletter-autumn-2024/): Download PDF version
- [Investment Markets Update](https://www.milestonefp.co.uk/investment-markets-update/): With all the media speculation over the past couple of days, we have put together a summary of what has happened and why you shouldn't panic. We take a long term view on investment markets and encourage calm in times of volatility. However, putting short term noise in perspective can be helpful.
- [Turning the page to the new Labour government](https://www.milestonefp.co.uk/turning-the-page-to-the-new-labour-government/): Following on from the communication last week, here is an update on what we know so far…
- [What is to follow from a Labour victory?](https://www.milestonefp.co.uk/what-is-to-follow-from-a-labour-victory/): Additionally, the focus of the new Labour government appears to be on economic growth rather than aggressive tax and spend policies. Investors are hopeful that Labour will aim to expand the UK economy by improving trade relations with Europe post-Brexit and encouraging business investment. This growth-oriented strategy, coupled with political stability and long-term planning, is seen as beneficial for the financial markets, leading to their composed response to the political change.
- [Milestone Newsletter Summer 2024](https://www.milestonefp.co.uk/milestone-newsletter-summer-2024/): Download PDF version
- [What is an Investment Calculator: Your Guide to Smart Financial Planning](https://www.milestonefp.co.uk/what-is-an-investment-calculator/): How will your investments perform over time? What is an investment calculator? It is a straightforward digital tool that forecasts your money's growth under various conditions, such as differing rates of return and investment periods.
- [Milestone Newsletter Spring 2024](https://www.milestonefp.co.uk/milestone-newsletter-spring-2024/): Download PDF version
- [Calculating Inflation UK](https://www.milestonefp.co.uk/calculating-inflation-uk/)
- [Milestone Newsletter Winter 2023](https://www.milestonefp.co.uk/milestone-newsletter-winter-2023/): Download PDF version
- [Autumn Statement – 22 November 2023](https://www.milestonefp.co.uk/autumn-statement-22-november-2023/): Jeremy Hunt’s second Autumn Statement was set against a much less financially turbulent background than his first. However, politics still loomed large with a likely election in the next 12 months prompting calls for tax cuts from within the Conservative party. Until recently the Chancellor had attempted to stall such demands with warnings of “difficult decisions” on the public finances owing to a worsened fiscal outlook since his Spring Budget. One reason that he highlighted for the deterioration was the sharply increased cost of government borrowing.
- [Milestone Newsletter Autumn 2023](https://www.milestonefp.co.uk/milestone-newsletter-autumn-2023/): Welcome to our 2023 Autumn Newsletter. Here we take a look at living in retirement, Directors Income and Pension death benefits.
- [UK Inheritance Tax Planning for Small Business Owners](https://www.milestonefp.co.uk/uk-inheritance-tax-planning/): The realm of inheritance tax planning is daunting for many small business owners in the UK. The tax implications, if not handled properly, can leave your heirs with a hefty inheritance tax (IHT) bill.
- [Huge congratulations to Mark and Nicola Fretwell-Evans!](https://www.milestonefp.co.uk/huge-congratulations-to-mark-and-nicola-fretwell-evans/): Over the Christmas holidays, our Paraplanner, Mark and his now wife Nicola were joined by all their family and friends, plus their adorable dog Tilly, as they tied the knot at Stretton Manor Barn. It really was a fabulous celebration, with love, laughter and dancing into the early hours!
- [The Milestone team grows again!](https://www.milestonefp.co.uk/the-milestone-team-grows-again/): A big Milestone welcome to our newest team member, Becky, who joined us at the start of 2023 and is now officially our in-house compliance guru.
- [End of tax year preparations](https://www.milestonefp.co.uk/end-of-tax-year-preparations/): April 5th is almost here and at this time of year, we encourage all our clients to set time aside for an annual financial health check. It gives you the chance to look back on what’s worked, ensure you’re taking advantage of all the allowances and opportunities available and make a plan for the coming tax year. Our tax planning guru, Craig, has put together some helpful points to consider before the April deadline.
- [The end of cheap money?](https://www.milestonefp.co.uk/the-end-of-cheap-money/): Interest rates, cost of living, gas and oil prices… Right now, the news is awash with stories about the challenges we’re all facing in managing our money. And you’d have to have been living under a rock to have missed statements about this being the ‘end of cheap money’. But what does that even mean? Is it really true? And most importantly, how does this affect you and your family’s finances? To answer these questions, you need to go back to 2008…
- [A warm welcome to our newest team member, Samantha Halifax](https://www.milestonefp.co.uk/a-warm-welcome-to-our-newest-team-member-samantha-halifax/): As a growing business, we’re always on the lookout for the brightest financial minds, which is why we’re so excited to welcome Samantha Halifax, our newest Financial Advisor. Samantha joins us from Swedish banking giant, Handelsbanken, where she’s spent the last few years as a Private Banking Manager.
- [Development is key at Milestone](https://www.milestonefp.co.uk/development-is-key-at-milestone/): At Milestone, we know the best way to provide the good quality advice and excellent client service you need is to make sure all our staff are as well trained as possible and up to date on all the latest developments in the sector. We hold regular Continued Professional Development days at Milestone and at our most recent session in September the whole team got together to focus on compliance processes and best practice for client documentation. It’s critical everyone has the best approach to ensuring our files and records are secure, compliant and as detailed as possible so we can continue to provide the service you want.
- [Putting in the miles for the Chesterfield 10k](https://www.milestonefp.co.uk/putting-in-the-miles-for-the-chesterfield-10k/): Last weekend members of the Milestone team joined over 1000 other runners for the Redbrik Foundation Chesterfield 10k to raise money for Ashgate Hospice and Bluebell Wood Children’s Hospice.
- [A great night out at the CP Teens UK Annual Ball](https://www.milestonefp.co.uk/a-great-night-out-at-the-cp-teens-uk-annual-ball/): We’ve been a keen supporter of CP Teens UK for a couple of years, last year organising a successful wine-tasting fundraiser. So, we were thrilled to support and attend their 7th Annual Ball earlier this month.
- [Staying Invested in Volatile Markets](https://www.milestonefp.co.uk/staying-invested-in-volatile-markets/)
- [Out and about with our furry friends](https://www.milestonefp.co.uk/out-and-about-with-our-furry-friends/): As a close-knit team, we try to arrange activities and events away from the office to catch up and enjoy some social time. This usually involves food and drink, but recently, we planned a walk with our four-legged friends, on the wettest day of the year so far!
- [An interview with Mark Evans, Milestone’s newest team member](https://www.milestonefp.co.uk/an-interview-with-mark-evans-milestones-newest-team-member/): New kid on the Milestone block, Mark Evans, joined us earlier this year as a Trainee Paraplanner, bringing a wealth of experience in the financial services industry. He’s already made an impressive impact in the office, thanks to his unofficial title 'King of the Spreadsheets'. We wanted to put him under the spotlight, we think he enjoyed it, so read on to find out a little more about Mark.
- [A day in the life of a paraplanner](https://www.milestonefp.co.uk/a-day-in-the-life-of-a-paraplanner/): We know that a big reason so many of our clients choose to work with us is because of our in-depth knowledge and preparation. What we do isn’t wizardry, but it can be complex, which is why our paraplanners are so important to the planning and advice we give. Jake Bennett shares a day in the life of a paraplanner, and how he makes sure all the advice and support we give is backed by sound research and technical knowledge:
- [The economy in focus – a look back at a year of change and a view on what’s coming next](https://www.milestonefp.co.uk/the-economy-in-focus-a-look-back-at-a-year-of-change-and-a-view-on-whats-coming-next/): As the wholesale price of gas climbed, lots of smaller suppliers in the UK, unable to trade because they just didn’t have the financial reserves, went to the wall.
- [Independent Financial Advisor](https://www.milestonefp.co.uk/independent-financial-advisor/): Due to growth and business development, Milestone Financial Planning is looking to recruit an Independent Financial Adviser to provide financial planning, investment and protection advice to new and existing clients, whilst at all times upholding the principles of the firm.
- [Investment Committee.](https://www.milestonefp.co.uk/investment-committee/): Every two months, I chair our internal investment committee meeting with the advisers and technical team to discuss and review our centralised investment proposition for existing and prospective clients.  We review our company philosophy to ensure any strategy we implement continues to meet our non-negotiable requirements for portfolio construction. Those factors being cost, past performance through difficult market cycles, diversification and financial strength.
- [It’s tax-time – how to prepare for April 5th](https://www.milestonefp.co.uk/its-tax-time-how-to-prepare-for-april-5th/): April 5th is bearing down on us and at this time of the year, we encourage all our clients to take time to give their finances a review and make sure they’re not missing out on any allowances or tax planning opportunities.
- [Looking after your investments](https://www.milestonefp.co.uk/looking-after-your-investments/): Looking after your investments is always our top priority, but it doesn’t happen without lots of hard work and effort behind the scenes! One of our expert financial planners, Nick Evans, explains the role our Investment Committee plays in enabling us to stay ahead of the curve on behalf of all our clients:

## Pages
- [Financial Impact of Divorce](https://www.milestonefp.co.uk/financial-impact-of-divorce/)
- [Give Your Children Money For Their First Home](https://www.milestonefp.co.uk/give-your-children-money-for-their-first-home/)
- [Calculators](https://www.milestonefp.co.uk/calculator/)
- [Investment Calculator](https://www.milestonefp.co.uk/investment-calculator/)
- [Income and Expenditure Calculator](https://www.milestonefp.co.uk/income-expenditure-calculator/)
- [Inflation Calculator](https://www.milestonefp.co.uk/inflation-calculator/)
- [Inheritance Tax Calculator](https://www.milestonefp.co.uk/inheritance-tax-calculator/)
- [Sitemap](https://www.milestonefp.co.uk/sitemap/): Pages About
About
Blog
Business Exit Strategies
Business Protection
Calculators
Capital Gains Tax Guide
Care Home Funding
Contact
Critical Illness Insurance
Financial Impact of Divorce
Financial Protection
Give Your Children Money For Their First Home
Home
Income and Expenditure Calculator
Inflation Calculator
Inheritance Tax Calculator
Inheritance Tax Guide
Inheritance Tax Planning
Investment Calculator
Investments
Life Insurance
Lifetime Allowance Charge
Long Term Care Planning
Our Approach
Pensions
Pensions Tapered Annual Allowance
Personal Injury Trusts
Privacy Policy
Save Tax
Services
Shareholder Protection
Sitemap
SSAS Pension Loan Back
Tax Planning
Using a Pension to Purchase Land or Property
Wealth Management
What is a Financial Advisor? Are your Financial Advisors regulated? Common Myths about Financial Planning Is there a charge for the initial Financial Consultation Meeting? What is the difference between an Independent Financial Advisor, Financial Planner and Wealth Manager? Would I benefit from seeking financial advice? Withdrawing Pensions Posts by category Category: Blog Pre-Exit Wealth Planning: What Business Owners Should Do in the Years Before Selling SIPP, ISA or Limited Company? The Smart Pension Strategy for High Earners Who Work for Themselves Tax-Efficient Ownership of UK and Overseas Holiday Homes: How can I structure second properties to minimise CGT, IHT and Rental tax exposure How to Manage Your Property Portfolio Into Retirement to Fund Income Planning For Long-term Care: Costs, Deprivation of Assets and What Can be Done The Smart Pension Strategy for High Earners Should I put my money in stocks or Investment Funds Future Proofing Family Wealth: How to Safeguard Assets from a Child’s Potential Divorce The psychology of spending and saving: why behavioural biases cost you money The overlooked inheritance tax rule that could save your family hundreds of thousands VouchedFor 2025 Guide to Top Rated Financial Advisers Investment Markets Update What is an Investment Calculator: Your Guide to Smart Financial Planning Calculating Inflation UK Autumn Statement – 22 November 2023 Staying Invested in Volatile Markets Investment Committee. How to save for your retirement How to Find Top Financial Advisers in Your Area How Can a Certified Financial Planner Help You Get on Top of Your Finances? 5 Questions You Need to Ask Your Financial Advisor End of Tax Year Financial Planning The Year Ahead How Can Professional Financial Advisors Help You Plan for Retirement? How Could You Benefit From Our Personal Financial Planning Services? Pension Scams Warning Top 10 Things to Look for to Find the Right Financial Advisor in Chesterfield Looking for Wealth Management in Chesterfield? We Can Help! Sustainability in Investing The Benefits of Getting Health Insurance Advice from Professionals Chancellor’s Summer Statement COVID-19 : Measures We have in Place to Re-Open Our Offices Safely The Economic Dance with Covid-19 12 Important Things You Could Get Done During Lockdown Retiring Abroad – What Do You Need to Know? Tax Efficient Investing – A Brief Guide COVID-19 Update How to Handle Volatile Stock Markets during Covid-19 How Much Money Do You Need to Retire, and What’s the Best Way to Save? Retirement Peace of Mind Reasons to Seeking Financial Advice in 2020 Planning to make a commitment? Here’s how to plan financially for the next step. Is the 2017 Budget bond just a government tick-box? End of Tax Year checklist – How to make 2017 count! Milestone supports FCA consultation on new Lifetime ISA Next of kin means nothing – Register your Lasting Powers of Attorney now! Fireworks in the financial markets – top tips for managing your investments Don’t file for divorce on your investments New partnership heralds a new age for accounting and independent financial advice for SMEs Whole life policies can be advantageous – if you plan ahead Independent Financial Adviser role available at Milestone Financial Planning ‘Do nothing’ Milestone advises investors post Referendum Category: Tax Category: Calculators Category: Job Vacancies Independent Financial Advisor Category: News Milestone Newsletter Summer 2026 Milestone Newsletter Spring 2026 Milestone Newsletter Winter 2025 Milestone Newsletter Autumn 2025 Milestone Newsletter Summer 2025 Milestone Newsletter Winter 2024 Milestone Newsletter Autumn 2024 Turning the page to the new Labour government What is to follow from a Labour victory? Milestone Newsletter Summer 2024 Milestone Newsletter Spring 2024 Milestone Newsletter Winter 2023 Milestone Newsletter Autumn 2023 UK Inheritance Tax Planning for Small Business Owners Huge congratulations to Mark and Nicola Fretwell-Evans! The Milestone team grows again! End of tax year preparations The end of cheap money? A warm welcome to our newest team member, Samantha Halifax Development is key at Milestone Putting in the miles for the Chesterfield 10k A great night out at the CP Teens UK Annual Ball Out and about with our furry friends An interview with Mark Evans, Milestone’s newest team member A day in the life of a paraplanner The economy in focus – a look back at a year of change and a view on what’s coming next It’s tax-time – how to prepare for April 5th Looking after your investments A look back at 2021 for Milestone Financial Planning Sister company Mitchells Corporate Agents scoops top prize in its first year Exam success for one of our newest team members Category: Team Harriet Lunn Callum Smith Mark Fretwell-Evans Samantha Halifax Craig Croft-Rayner Joanne Ali Nick Evans Jo Heath Michael Heath
- [Our Approach](https://www.milestonefp.co.uk/our-approach/)
- [Are your Financial Advisors regulated?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/are-your-financial-advisors-regulated/)
- [Is there a charge for the initial Financial Consultation Meeting?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/is-there-a-charge-for-the-financial-consultation-meeting/)
- [Common Myths about Financial Planning](https://www.milestonefp.co.uk/what-is-a-financial-advisor/common-myths-about-financial-planning/)
- [Would I benefit from seeking financial advice?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/financial-advice/)
- [What is the difference between an Independent Financial Advisor, Financial Planner and Wealth Manager?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/types/)
- [What is a Financial Advisor?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/)
- [Using a Pension to Purchase Land or Property](https://www.milestonefp.co.uk/pension-to-purchase-land-or-property/)
- [Inheritance Tax Guide](https://www.milestonefp.co.uk/inheritance-tax/)
- [SSAS Pension Loan Back](https://www.milestonefp.co.uk/ssas-pension-loan-back/)
- [Shareholder Protection](https://www.milestonefp.co.uk/shareholder-protection/)
- [Pensions Tapered Annual Allowance](https://www.milestonefp.co.uk/tapered-annual-allowance/)
- [Capital Gains Tax Guide](https://www.milestonefp.co.uk/capital-gains-tax/)
- [Lifetime Allowance Charge](https://www.milestonefp.co.uk/lifetime-allowance-charge/)
- [Withdrawing Pensions](https://www.milestonefp.co.uk/withdrawing-pensions/)
- [Save Tax](https://www.milestonefp.co.uk/save-tax/)
- [Personal Injury Trusts](https://www.milestonefp.co.uk/personal-injury-medical-negligence/)
- [Critical Illness Insurance](https://www.milestonefp.co.uk/critical-illness-insurance/)
- [Life Insurance](https://www.milestonefp.co.uk/life-insurance/)
- [Care Home Funding](https://www.milestonefp.co.uk/care-home-funding/)
- [B2](https://www.milestonefp.co.uk/b2/)
- [Privacy Policy](https://www.milestonefp.co.uk/privacy-policy/): Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.
- [Services](https://www.milestonefp.co.uk/services/): This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this:
- [Contact](https://www.milestonefp.co.uk/contact/)
- [Blog](https://www.milestonefp.co.uk/blog/): Milestone’s Latest
- [Long Term Care Planning](https://www.milestonefp.co.uk/long-term-care-planning/)
- [Wealth Management](https://www.milestonefp.co.uk/wealth-management/)
- [Business Protection](https://www.milestonefp.co.uk/business-protection/)
- [Inheritance Tax Planning](https://www.milestonefp.co.uk/inheritance-tax-planning/)
- [Pensions](https://www.milestonefp.co.uk/pensions/)
- [Business Exit Strategies](https://www.milestonefp.co.uk/exit-strategies/)
- [Financial Protection](https://www.milestonefp.co.uk/financial-protection/)
- [Tax Planning](https://www.milestonefp.co.uk/tax-planning/)
- [Investments](https://www.milestonefp.co.uk/investments/)
- [About](https://www.milestonefp.co.uk/about/)
- [Home](https://www.milestonefp.co.uk/)

## Testimonials

## Categories

## About Milestone Financial Planning
Milestone Financial Planning is a firm of independent financial advisers based in Chesterfield, advising clients across the UK. We provide whole-of-market financial planning with a transparent, end-to-end approach, covering pensions, investments, protection, tax and estate planning, and specialist advice for life events.

## Key Information
- Independent financial advisers (whole of market)
- Initial meeting offered with no fee and no obligation
- Meetings available face to face, by phone or online
- Address: Unit D, Dunston Court, Dunston Road, Chesterfield, S41 8NL
- Phone: 01246 903053
- Email: enquiries@milestonefp.co.uk

## Pensions & Retirement
- [Pensions](https://www.milestonefp.co.uk/pensions/): Pension planning and advice
- [Withdrawing Pensions](https://www.milestonefp.co.uk/withdrawing-pensions/): Options for accessing pension funds
- [Tapered Annual Allowance](https://www.milestonefp.co.uk/tapered-annual-allowance/): Advice on the tapered annual allowance for higher earners
- [Lifetime Allowance Charge](https://www.milestonefp.co.uk/lifetime-allowance-charge/): Guidance on the pension lifetime allowance
- [SSAS Pension Loan Back](https://www.milestonefp.co.uk/ssas-pension-loan-back/): Using a SSAS pension to loan funds back to a business
- [Pension to Purchase Land or Property](https://www.milestonefp.co.uk/pension-to-purchase-land-or-property/): Buying commercial property or land through a pension

## Investments & Wealth
- [Investments and Savings](https://www.milestonefp.co.uk/investments/): Investment and savings planning aligned to your goals and attitude to risk
- [Wealth Management](https://www.milestonefp.co.uk/wealth-management/): Ongoing management of investments and wider wealth

## Tax & Estate Planning
- [Tax Planning](https://www.milestonefp.co.uk/tax-planning/): Structuring finances to manage tax efficiently
- [Saving Tax](https://www.milestonefp.co.uk/save-tax/): Practical ways to reduce tax liability
- [Capital Gains Tax](https://www.milestonefp.co.uk/capital-gains-tax/): Planning around capital gains tax
- [Inheritance Tax Planning](https://www.milestonefp.co.uk/inheritance-tax-planning/): Planning to manage inheritance tax and protect your estate
- [Gifting to Children for a First Home](https://www.milestonefp.co.uk/give-your-children-money-for-their-first-home/): Helping children onto the property ladder tax-efficiently

## Protection
- [Financial Protection](https://www.milestonefp.co.uk/financial-protection/): Protecting your income and family finances
- [Life Insurance](https://www.milestonefp.co.uk/life-insurance/): Life cover advice
- [Critical Illness Insurance](https://www.milestonefp.co.uk/critical-illness-insurance/): Cover in the event of serious illness
- [Business Protection](https://www.milestonefp.co.uk/business-protection/): Protecting a business against the loss of key people
- [Shareholder Protection](https://www.milestonefp.co.uk/shareholder-protection/): Arrangements to protect shareholders and ownership

## Later Life & Care
- [Long-Term Care Planning](https://www.milestonefp.co.uk/long-term-care-planning/): Planning for the cost of later-life care
- [Care Home Funding](https://www.milestonefp.co.uk/care-home-funding/): Funding options for care home fees

## Specialist Advice
- [Business Exit Strategies](https://www.milestonefp.co.uk/exit-strategies/): Planning the financial side of leaving or selling a business
- [Financial Impact of Divorce](https://www.milestonefp.co.uk/financial-impact-of-divorce/): Financial planning through separation and divorce
- [Personal Injury & Medical Negligence](https://www.milestonefp.co.uk/personal-injury-medical-negligence/): Financial planning for injury and negligence settlements

## Guides & Tools
- [What is a Financial Advisor?](https://www.milestonefp.co.uk/what-is-a-financial-advisor/): Plain-English guides to financial advice, including IFA vs planner vs wealth manager, common myths, regulation and consultation costs
- [Financial Calculators](https://www.milestonefp.co.uk/calculator/): Free tools including income and expenditure, inflation, investment and inheritance tax calculators

## Start Here
- [Services](https://www.milestonefp.co.uk/services/)
- [Our Approach](https://www.milestonefp.co.uk/our-approach/)
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- [Contact](https://www.milestonefp.co.uk/contact/)