--- title: Edition 47 - Client Newsletter description: Newsletter covers retirement planning checklist, limitless giving IHT free, strategic asset allocation, are you own worst enemy and secure income image: https://www.octofp-cc.com/hubfs/newsletter%2047.png --- [Skip to content](https://www.octofp-cc.com/info/edition-47-client-newsletter#main-content) [![Octo FP IFA](https://www.octofp-cc.com/hs-fs/hubfs/Octo%20FP%20IFA.png?width=250&height=250&name=Octo%20FP%20IFA.png)](https://www.octofp-cc.com) - [Home](https://www.octofp-cc.com/) - [About](https://www.octofp-cc.com/about) - [Contact](https://www.octofp-cc.com/contact) - [Client Portal](https://auth.2plan.com/Account/Login?ReturnUrl=%2Fconnect%2Fauthorize%2Fcallback%3Fclient_id%3Dclientportal%26redirect_uri%3Dhttps%253A%252F%252Faccess.2plan.com%252Fsignin-oidc%26response_type%3Dcode%2520id_token%26scope%3Dopenid%2520profile%2520offline_access%2520clientportal_api%2520files_api%2520client%2520twofactor%2520factfind_api%2520valuations_api%26response_mode%3Dform_post%26nonce%3D638274443552204433.MzJhNzY2NjctYmRlMC00NWNjLWJiNzAtZTAxNzQ2MWViMTU4ZDU4NTNlYmMtMTRjOC00M2Y5LWE0ZDktM2ZhZTRhY2RkOGVh%26adviser%3D40592%26state%3DCfDJ8Lci57dWsvZPtVqFVRrAfb2-VVz_zQw_hpGTd8TCutirspHgO1_3jlb7yvNuBVULtM3h_40OkQJESKyuTFyF9q5ObIsdrvZ2L2k_Bc6t7j_cmriROMGmMa_sCb6S4MQ11vCSsWeHDXjqewK543vLQoWfH7r52KkiYg50-XPbOS6NeEZAvbPHpYwsLx6KK7io6ChJDaoa38g56EriAxTCWUGGyrV-XRC2HK4p3HJgar7Vp_NuxW05ucH3B0QJDqaC_dUBsGrNZwyqZogYDVP5jb2HLKo2N-W_eIWKrUuPmgAK9XvoaW2k1pbgbHISKmuIyg%26x-client-SKU%3DID_NET6_0%26x-client-ver%3D6.15.1.0%26acr_values%3Dlogin) - 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[Thoughts](https://www.octofp-cc.com/info) - [Subscribe](https://www.octofp-cc.com/newsletter-sub) [All posts](https://www.octofp-cc.com/info/all) April 15, 2025 # Edition 47 - Client Newsletter By  Corey Cook  ·  1 minute read Please click [here](https://www.octofp-cc.com/hubfs/Newsletter%2047%20(2).pdf) to read Edition 47 - Client Newsletter.  In this issue: - Retirement planning checklist - Limitless gifting - IHT free - Strategic asset allocation - Are you your own worst enemy?  - Guaranteed income in retirement  - Support for when you need it the most   Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://www.octofp-cc.com/info/edition-47-client-newsletter) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://www.octofp-cc.com/info/edition-47-client-newsletter) [twitter icon](https://twitter.com/intent/tweet?url=https://www.octofp-cc.com/info/edition-47-client-newsletter) [envelope icon](mailto:?body=https://www.octofp-cc.com/info/edition-47-client-newsletter) **Links** [Home](https://www.octofp-cc.com) [About](https://octofp-139821909.hubspotpagebuilder.eu/about) [Contact](https://octofp-139821909.hubspotpagebuilder.eu/contact) [Client Portal](https://auth.2plan.com/Account/Login?ReturnUrl=%2Fconnect%2Fauthorize%2Fcallback%3Fclient_id%3Dclientportal%26redirect_uri%3Dhttps%253A%252F%252Faccess.2plan.com%252Fsignin-oidc%26response_type%3Dcode%2520id_token%26scope%3Dopenid%2520profile%2520offline_access%2520clientportal_api%2520files_api%2520client%2520twofactor%2520factfind_api%2520valuations_api%26response_mode%3Dform_post%26nonce%3D638274443552204433.MzJhNzY2NjctYmRlMC00NWNjLWJiNzAtZTAxNzQ2MWViMTU4ZDU4NTNlYmMtMTRjOC00M2Y5LWE0ZDktM2ZhZTRhY2RkOGVh%26adviser%3D40592%26state%3DCfDJ8Lci57dWsvZPtVqFVRrAfb2-VVz_zQw_hpGTd8TCutirspHgO1_3jlb7yvNuBVULtM3h_40OkQJESKyuTFyF9q5ObIsdrvZ2L2k_Bc6t7j_cmriROMGmMa_sCb6S4MQ11vCSsWeHDXjqewK543vLQoWfH7r52KkiYg50-XPbOS6NeEZAvbPHpYwsLx6KK7io6ChJDaoa38g56EriAxTCWUGGyrV-XRC2HK4p3HJgar7Vp_NuxW05ucH3B0QJDqaC_dUBsGrNZwyqZogYDVP5jb2HLKo2N-W_eIWKrUuPmgAK9XvoaW2k1pbgbHISKmuIyg%26x-client-SKU%3DID_NET6_0%26x-client-ver%3D6.15.1.0%26acr_values%3Dlogin) [Info](https://www.octofp-cc.com/info) [Subscribe](https://www.octofp-cc.com/newsletter-sub) [Octofp.com](https://www.octofp.com) [Follow me on Facebook](https://www.facebook.com/octowmcc/) [Follow me on Instagram](https://www.instagram.com/coreycookifa/) [Follow me on LinkedIn](http://www.linkedin.com/in/coreycook) **Legal Documents** [Privacy Policy](https://microsites.2plan.com/PrivacyPolicy/?dm_i=7IAA,9BN1,22M3NE,16HH7,1) [Best Execution Policy](https://www.octofp-cc.com/hubfs/Best%20Execution%20Policy%20Nov%202023-1.docx) [Client Classification](https://www.octofp-cc.com/hubfs/Client%20Classification%20Nov%202023.docx) [Conflicts of Interest Policy](https://www.octofp-cc.com/hubfs/Conflicts%20Of%20Interest%20Policy%20Nov%202023.docx) [Personal Client Agreement](https://www.octofp-cc.com/hubfs/Octofp%20IFA%202025.pdf) [Mortgage and Protection Client Agreement](https://www.octofp-cc.com/hubfs/OCTFO%20MPA%20approved.pdf) [Making a Complaint](https://www.octofp-cc.com/hubfs/Your%20Guide%20To%20Making%20A%20Complaint%20Nov%202023.docx)   Octo Financial Planning Ltd is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. Octo Financial Planning Limited is entered on the FCA register (www.FCA.org.uk) under no. 972331. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Registered office: Charles Lake House, Claire Causeway, Crossways Business Park, Dartford, Kent, DA2 6QA. Registered in England and Wales Number under company number 13922409. FCA register address: Patches, Gorsewood Road, Hartley, Longfield, Kent, DA3 7DE. The Financial Ombudsman Service is available to mediate individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please click [here](http://www.financial-ombudsman.org.uk/contact/index.html). Will writing and Lasting Powers of Attorney are not part of the 2plan Wealth Management Ltd offering and is offered through the Secure Will Company. 2plan Wealth Management Ltd accept no responsibility for this aspect of our business. Will writing, Lasting Powers of Attorney are not regulated by the FCA. Corey Cook is a member of the Society of Will Writers which can be verified [here.](https://www.willwriters.com/listing/corey-cook-octo-financial-planning-secure-will-company/)    ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Corey Cook", "url" : "https://www.octofp-cc.com/info/author/corey-cook" }, "dateModified" : "2025-04-15T10:29:18.231Z", "datePublished" : "2025-04-15T10:05:49.000Z", "headline" : "Edition 47 - Client Newsletter", "image" : [ "https://www.octofp-cc.com/hubfs/newsletter%2047.png" ], "mainEntityOfPage" : { "@id" : "https://www.octofp-cc.com/info/edition-47-client-newsletter", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.octofp-cc.com/hubfs/Octo_Logo_800-removebg-preview-2.png" }, "name" : "Octo Wealth Management Limited" } } ``` ```json { "@context" : "http://schema.org", "@type" : "Article", "author" : { "@type" : "Person", "name" : [ "Corey Cook" ] }, "datePublished" : "2025-04-15T10:05:49+0000", "description" : "Newsletter covers retirement planning checklist, limitless giving IHT free, strategic asset allocation, are you own worst enemy and secure income", "headline" : "Edition 47 - Client Newsletter", "image" : "https://139821909.fs1.hubspotusercontent-eu1.net/hubfs/139821909/newsletter%2047.png", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "" }, "name" : "Octo Financial Planning Limited" }, "url" : "https://www.octofp-cc.com/info/edition-47-client-newsletter" } ```