LATEST NEWS
SERVICES
With life expectancy increasing, you may need to fund a retirement that lasts decades. Seeking advice from a financial expert is the best way to ensure you can enjoy the lifestyle you want.
Thinking of selling something valuable? We look at how assets are taxed – from property to investments – and explore how to make sure you’re not facing a bigger Capital Gains Tax bill than you need to.
Is retirement a “When…” or an “If…” for you? Got big plans already for life after work, but not feeling financially confident that you’ve got enough in the bank to do everything you dream of? Taking financial advice can be a gamechanger.
As we enter a new tax-year, now's the time to triple check you're using every available allowance and exemption. This tax checklist is a handy heads-up on the headline changes to recent tax regulations.
UK economic growth prospects may look anaemic but there were glimmers of positivity in the government’s Spring Statement
Leaving a good inheritance can be life-changing for those you love. Discover how to leave more of your money to your family, and less to HMRC.
Starting a business is an exciting yet challenging journey. Whether you’re launching a tech startup, a retail store, or a consulting firm, success depends on careful planning and execution. Knowing how to build a solid foundation for your new business is therefore key.
New to family financial planning? Our ten point financial to-do list will set you on the right track.
How can you leave a meaningful legacy to your family and cut your Inheritance Tax bill after you’ve gone? Our top considerations for wider estate planning.
Last year’s Budget changes means it’s more important than ever to get on top of Capital Gains Tax (CGT), so you can manage your assets as tax-efficiently as possible.
If you’re self-employed, setting up your own pension can give you greater freedom, flexibility and peace of mind about your long-term future.
Global supply chains may be a casualty of the US tariff actions, extending its impact beyond just the directly affected countries. Experts at SJP explore the potential long-term ramifications of the latest in protectionist measures.
Getting the most from your ISAs while ensuring the right mix of Cash and Stocks and Shares ISAs, will make your savings and investments work as hard as possible. You still have plenty of time to review what you’ve got, and top up where you need to, before tax year-end.
Ever felt flummoxed by the amount of jargon around financial planning? Here are the top seven tax-related terms you need to know – in plain English.
The Autumn Budget was one of the biggest and most far reaching in recent years. Whether you’re a saver and investor, planning to leave a legacy – or both – financial advice can prove invaluable in guiding your next moves. In this article, we’ll look at each of the key areas in turn, assess the impact and some courses of action you might consider.
Putting a cash gift in someone’s Christmas stocking is a tax-smart move for you, as well as a lovely surprise for them. And there’s still room to tuck some chocolate coins in the toe, too.
Life expectancy has significantly increased over the years. So, it’s important to have a savings plan in place for later life – no matter what age you start, nor how long you live.
In the next six months, one in five of us will actively seek advice on planning our retirement. But Chapter Five of SJP’s landmark survey, conducted by Opinium, the Real Life Advice Report: Advice Priorities, asks if we’re leaving it too late to make a start?
More than one in two of us will face situations of increased financial vulnerability in our lives. Yet, according to Chapter 4 of SJP’s Real Life Advice Report, more than half of us shy away from asking our financial advisers for support when we’re struggling.
After a close fought race, Donald Trump is poised to become the 47th President of the United States. Here SJP’s investment team outlines their views on the market implications.
We can't predict our future, but we can prepare for it. Protecting your family, your lifestyle and your assets brings peace of mind that whatever happens, everything you care about is properly safeguarded.
Rachel Reeves has delivered her first Budget as Chancellor, and the first Labour Budget in 14 years. It brings some clarity and certainty following many weeks of speculation. The Government has had to balance a challenging fiscal situation with a plan to invest for the future and for growth.
Chapter 3 of SJP's Real Life Advice Report conducted by Opimium on our behalf[1]: The Advice Relationship confirms that consumers value a trusted, longstanding relationship with their adviser above all else.
Choosing whether to hire permanent staff or use contractors is a critical decision for expanding businesses.
As a personal-injury and medical-negligence lawyer, it’s important to know how an expert financial adviser can help claimants, offering additional emotional support as well as guidance on making the most of a settlement
For businesses today, it’s no longer about growth at all costs. In an ever-tougher market environment, you need to focus on improving the elements that make up corporate quality, from efficiency to wider purpose including Environmental Social Governance.
Energy prices look set to rise again, and there may be tax rises on the horizon too. If the going gets tough this Autumn, the smart move is to seek financial advice.
With the new government’s first Budget scheduled for 30 October, we’re starting to hear some hints and theories about what may be included in the statement. What any changes will actually mean for everybody is yet to be fully understood and, unless there are significant leaks in advance, we won’t know the detail until the day. But it pays to keep abreast of speculation.
SJP's largest consumer survey, the Real Life Advice Report carried out by Opinium examines the UK population's relationship with financial advice.
Professional-services specialists, such as accountants and lawyers, need to know their finances align to the sensitivities of their work. Here’s how the right adviser can help.
A key employee dies or suffers a critical illness, your business could be seriously impacted. We explore how insurance can mitigate the risks.
Is it better to save or to invest your money? Each can support your financial wellbeing and future goals, but in different ways. We look at the differences, the pros and cons, and what it means for you and your family.
How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.
The cost of social care can not only eat away at your own funds – it can also affect how much money you can pass on, too. Financial advice can help you create a plan that strengthens the financial wellbeing of your whole family.
How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.
In recent years, the UK stock market has experienced a relative decline in popularity, overshadowed by more favoured markets, such as the US. This shift has prompted a renewed focus on valuations and raises the question of whether UK stocks are ripe for rediscovery.
For busy professionals such as lawyers and accountants, finding time to review your long-term financial plans could prove a challenge. However, working with an adviser can be both time and cost efficient.
If more than one generation of your family is retired, it may be time to rethink the family finances.
Making a voluntary contribution to your State Pension pot could be an efficient way to put money towards your retirement, but it’s important to consider all the implications.
We are thrilled to announce that our 24 hour Charity Sparathon, raising money for Rowcroft Hospice, was a huge success. Over the course of the event, we raised over £2000. We hope that this contribution will make a real difference in the lives of those in need of care, and the families that are going through difficult times.
Are you tax-ready for the new tax year? Find out how to make sure your savings and investments are as tax efficient as possible by using every available allowance and exemption.
Are you tax-ready for the new tax year? Find out how to make sure your savings and investments are as tax efficient as possible by using every available allowance and exemption.
With family finances still stretched, you need every investment to work as hard as possible. You still have time to check your mix of Cash and Stocks and Shares ISAs before tax year-end, to make sure it’s working as hard as it could.
Nobody wants the taxman to be their biggest beneficiary. Find out how you can reduce your Inheritance Tax bill – and leave more to your family.
This year's Spring Budget arrived a tad earlier than usual amidst a backdrop that's become all too familiar in recent years: rampant speculation and anticipation.
Diversification is a relatively simple concept. By not putting all your eggs in one basket, your investments stand a better chance of achieving smoother and more consistent returns. This is achieved by spreading your money across a selection of asset types, countries and sectors that do well at different times. It is a powerful tool to reduce investment risk and help you to achieve your long-term investment goals.
How can you leave a meaningful legacy to your family and cut your Inheritance Tax bill after you’ve gone? By wising up to estate planning.
Making tax-smart decisions by tax year-end can make a real difference to the pension pot you can look forward to.
With family finances still stretched, you need every investment to work as hard as possible. Reviewing your mix of Cash and Stocks and Shares ISAs ahead of tax year-end makes sense for your short-and long-term plans.
Ever felt flummoxed by the amount of jargon around financial planning? Here are the top seven tax terms you need to know.
Why we expect our fund managers to consider a wide variety of risk factors and opportunities in their investment decision making.
The working capital cycle – the time from purchasing inventory or raw materials and converting it into cash – is crucial to your business’s growth. We explain why new firms must get to grips with the cycle and how to speed it up
Growing your business requires careful cash management to allow you to take advantage of new opportunities.
Whatever your retirement goals, your pension plays a key role in funding them. We look at the different options for accessing your savings to help you enjoy the retirement you want.
Debt isn’t choosy. Any one of us could find ourselves in vulnerable circumstances, but a financial adviser can give practical, sensitive advice to help you get back on track financially and restore your confidence.
The proceeds from selling your business may secure your financial future – so take the time to think about your legacy to loved ones, too.
Pension Awareness Week is back. Here’s some insight into what a happy and enjoyable retirement will cost you.
Tax reliefs can improve cash flow for a young firm. But they’re often complex and misunderstood, so taking advice is important.
Under 40 and thinking about buying your first house, or building your pension pot? Could a Lifetime ISA be the answer?
Failing banks and persistent inflation didn’t stop a relatively positive first quarter from an investment perspective
Planning what will happen to your estate isn’t always simple – here’s some expert advice on what to do if your situation is complicated.
As we go into a new tax year, now’s the time to make sure your savings and investments are set up as tax-efficiently as possible. That means using every available allowance and exemption.
With inflation still high and taxes unlikely to be lowered any time soon, using tax-efficient wrappers such as pensions and ISAs will help your money go further.
Coming up to retirement and not sure of the best way to take your retirement income? These are the key tax-traps to avoid.
SJP’s latest Financial Health Index has highlighted the lack of financial wellbeing across the UK – and a widening north-south divide. A big part of the solution is improved financial education
As Corporation Tax hikes loom in April, now’s the time to revisit your business’s financial plans.
The UK’s tax system is complicated, but getting professional tax advice is a tax-smart investment.
Understanding the common reasons why business loans are declined – and ensuring they don’t apply to you – could improve your chances of success.
Soaring inflation means the amount of money needed to enjoy later life has risen dramatically, but we can help you keep your retirement plans on track.
Ever felt mystified by the amount of jargon around financial planning? Here are our top seven terms explained.
Regular checks will help you to respond to changes in tax policy and ensure you don’t miss out on any opportunities
Having protection in place if an illness or injury prevents you from working could free up savings to help you reach the financial future you want
Getting on top of Capital Gains Tax, or CGT is an important part of managing your money and assets as tax-efficiently as possible.
Amid inflation and energy price rises, many young people are struggling to make ends meet – and parents are making up the shortfall. What does that mean for your tax plans?
Cash-flow problems can be fatal for SMEs. We take a look at some of the ways to avoid them – even in a tough economic period
Preparing for Inheritance Tax and looking for the best way to pay the least? Discover how to leave more of your money to those you love.
Higher-rate taxpayers can unwittingly fall into a 60% tax bracket without realising. But you can take easy and tax-efficient ways to avoid this before tax-year end.
Making tax-smart decisions in good time for tax-year end can make a real difference to the pension pot you have when you retire.
Scaling back on pension savings might seem like an easy fix for short-term challenges, but don’t lose sight of your future
Are you still getting good value from your Cash ISAs? Reviewing your mix of Cash and Stocks and Shares ISAs is a good course of action ahead of tax-year end.
For businesses today, it’s no longer about growth at all costs. In an ever-tougher market environment, you need to focus on improving the elements that make up corporate quality, from efficiency to ESG
Our tax-year end tax allowance check list below helps you lay the foundations for your financial future, and makes sure you’re up to date with all the allowances you could be using.
Tax matters touch nearly every aspect of your finances, so optimising tax reliefs and allowances as part of a holistic financial plan is key
Getting into good tax habits means you have more confidence and control over your money, and your financial wellbeing.
With reductions in tax reliefs and allowances looming for 2023/4, now’s a good time to check in with us to ensure you’re taking maximum advantage of them in this tax year
Retaining senior talent is a challenge for many growing companies. Offering flexible, tailored pension schemes is a good way to keep your executives on board
The Retirement Living Standards explain exactly what a happy and enjoyable retirement will cost you.
Gifting cash or valuable assets to your nearest and dearest this Christmas could save you a significant amount of tax.
Multi-asset funds offer the opportunity to access a diversified investment portfolio with just one fund, so could they be the right choice for you?
The UK is now in a recession but keep calm – having a clear idea of your investment goals and talking to us will help you ride it out
See all the latest News & Insights from St. James's Place.
