Heavenly Blog
Notes for advisors
Research, product updates, and practical guides on running a modern financial-advisory practice.
The Fact Find: A 2026 Adviser's Guide to a Discovery Meeting That Actually Discovers
A 2026 fact find guide for UK financial advisers. The six core sections under Consumer Duty, the meeting flow that produces real intelligence, and the failure modes that turn fact finds into form filling.
April 29, 2026
Inheritance Tax Planning: The UK Adviser's Playbook for 2026/27 (and the Pensions-in-IHT 2027 Reset)
A 2026/27 inheritance tax planning playbook for UK financial advisers. Nil rate bands, residence nil rate band, gifting, business relief, and the April 2027 pension reset.
April 28, 2026
Discretionary Fund Management Explained: A 2026 Guide for UK Financial Advisers
What discretionary fund management is, when an adviser would outsource to a DFM versus run their own MPS, fee benchmarks, due diligence, and Consumer Duty implications.
April 27, 2026
Trust Registration Service: The Adviser's Guide for 2026/27 (Scope, Exemptions, Deadlines)
The UK Trust Registration Service explained for financial advisers: which trusts must register, which are Schedule 3A exempt, the 90-day deadline, penalties, and how to build TRS into the client file.
April 24, 2026
Bed and ISA: The Adviser's Guide for the 2026/27 Tax Year
Bed and ISA explained for financial advisers: the mechanic, the CGT allowance interaction, when to run it for clients in the 2026/27 tax year, and what to document in the file.
April 23, 2026
The Four Consumer Duty Outcomes Explained (With an Evidence Checklist for Financial Advisers)
The four Consumer Duty outcomes: Products and Services, Price and Value, Consumer Understanding, Consumer Support. What each means for financial advisers, and what evidence the FCA expects on file.
April 22, 2026
Cash Flow Modelling for Financial Advisers: A Practical 2026 Guide
What cash flow modelling actually is, the UK tools advisers use (Voyant, CashCalc, Truth), how to build a model, and where AI meeting notes speed up the input step.
April 21, 2026
Paraplanner: The Advisor's Guide to What They Do, Earn, and Enable
A practical guide to the paraplanner profession for UK financial advisers: what a paraplanner does, salary ranges, the adviser/paraplanner split, and how AI reshapes the handoff.
April 20, 2026
The Financial Advisor Meeting Notes Template (Playbook + Free Copies)
A practical financial advisor meeting notes template for discovery, annual reviews, and ongoing service meetings — with compliance-ready structure and AI workflow tips.
April 17, 2026