David Hearne, CFP™ (@dontdelay) / X

David Hearne, CFP™

79.3K posts

David Hearne, CFP™

@dontdelay

Certified Financial Planner. Independent Financial Adviser. Retirement Planning, Investment Management and Estate Planning. Posts are personal, and not advice.

Maidenhead

Born December 26

Joined December 2009

Pinned
David Hearne, CFP™
@dontdelay
Aug 9, 2024
I am a qualified, regulated and practicing financial planner. You can find me... On @TheFCA register register.fca.org.uk/s/individual?i… The @CISI members directory cisi.org/cisiweb2/cisi-… And the @pfsconf members directory thepfs.org/membership/mem…
37K
David Hearne, CFP™
@dontdelay
Jul 10, 2025
Question for supporters of a wealth tax. Assume I have a £200,000 tax bill because someone has (somehow) valued my private company at £20m If I have to sell shares in order to meet pay it, and realise a capital gain in doing so, are you still expecting me to pay capital gains
235K
David Hearne, CFP™
@dontdelay
Jun 9, 2025
I advise many retired couples. Typically... £1m home £1m investment portfolio Annual pension incomes of £40,000 and £20,000 pa Their household will now receive a winter fuel allowance again.
GIF
135K
David Hearne, CFP™
@dontdelay
Oct 9, 2024
60 is not elderly Brad Pitt is 60 Sandra Bullock is 60 Jeff Bezos is 60 Courtney Cox is 60
Prof.
@Prof_Umbongo
Oct 9, 2024
Heating, bus passes, taxing pensions and now this? They hate the elderly.
700K
David Hearne, CFP™
@dontdelay
Jul 25, 2025
If you earn £125,000, you pay more income tax on just the final fifth of your income, than someone on £68,000 pays on ALL their income. 🤯
245K
David Hearne, CFP™
@dontdelay
Dec 4, 2023
Your state pension IS a benefit. And this tweet will not get 1000 likes
Prof Colin Talbot
@colinrtalbot
Dec 4, 2023
Replying to @implausibleblog
My state pension is not a ‘benefit’. It’s something I paid for from 1969 to 2017 - 48 years. It is unaffected by anything else I earn so why should it give the Govt the right to access my bank account?
334K
David Hearne, CFP™
@dontdelay
May 16, 2025
Replying to @PicturesFoIder
Trump : Why don't they buy our cars?
98K
David Hearne, CFP™
@dontdelay
Nov 13, 2025
Announced in 1993 Made law in 1995 Increases didn’t begin until 2010 Equalisation with men finally in 2018 2025. People still complaining about it 🤷‍♂️
Red Rebel
@MillersManiac
Nov 13, 2025
I see the usual centrist wank over Ken Clarke is in full flow. He was responsible for increasing the female pension age by five years in 1993, affecting a generation of #50sWomen and #WASPI, as well as done his utmost best to dismantle the NHS. He is another Tory bastard.
108K
David Hearne, CFP™
@dontdelay
Apr 6, 2025
An EXTRA £31 billion a year Puts that £22 billion ‘black hole’ into perspective
Torsten Bell
@TorstenBell
Apr 6, 2025
Replying to @TorstenBell
📈 Tomorrow, pensioners will see up to £470 more a year in their State Pension. 🔒 We're spending an extra £31bn every year to protect the Triple Lock throughout this parliament. 🩺 And - with £600m more going into the Welsh NHS - we're cutting waiting lists to fix the NHS.
Readers added context
£470 x 13m pensioners = £6.1bn per year The amount he quotes is for the whole parliament, not one year. Total pension spending is approximately £125bn per year, it didnt just go up by a quarter! bbc.co.uk/news/business-…
97K
David Hearne, CFP™
@dontdelay
Oct 18, 2025
Wondering how long the personal allowance of £12,570 will be frozen? We’re now up to 16 years that the £100,000 threshold for losing your personal allowance has been frozen 16 ! 16 years of fiscal drag 16 years of more and more people losing their personal allowance and
58K
David Hearne, CFP™
@dontdelay
Aug 20, 2025
Quick maths on a possible capital gains tax on expensive homes. You buy a £2m property in London Tax (stamp duty) on the way in = £153,750 Tax (income tax at 45% plus NI at 2%) to have £153,750 for stamp duty = £136,344 You sell it 5 years later for £2,400,000. No real
62K
David Hearne, CFP™
@dontdelay
Jun 9, 2025
2 pensioners on £35,000 a year income each Have a lot more disposable income than a family of 4 with one earning over £65,000 and the other earning £15,000 Yet Labour have now decided that the pensioners deserve to receive winter fuel allowances, but the family deserve to start
GIF
73K
David Hearne, CFP™
@dontdelay
Sep 17, 2025
Increasing state pension above inflation Is itself inflationary Just saying
Office for National Statistics (ONS)
@ONS
Sep 17, 2025
The Consumer Price Index (CPI) rose by 3.8% in the 12 months to August 2025, unchanged from July 2025. Read the full article ➡️ ons.gov.uk/economy/inflat…
37K
David Hearne, CFP™
@dontdelay
Mar 23, 2025
‘Pensions don’t even meet living wage’ Why do so many people expect the state to pay them the ‘living wage’ once retired? When they’re no longer likely to have housing, childcare or commuting costs? And after they’ve had 50 years to accumulate state provided or state
Jean 🇬🇧 🚜
@Noworinfive
Mar 23, 2025
Everyone needs to remember they will hopefully get to pension age, anything taken away now will not come back. Leave the triple lock, pensions don't even meet living wage!!
122K