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pellis71.bsky.social
@pellis71.bsky.social
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pellis71.bsky.social
With Tax year-end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a tax plan can boost your income, preserve your wealth and prepare for the future.
#sovereign #wealthmanagement #tax
www.sjp.co.uk/individuals/...
The power of having a tax plan in place
With Tax year-end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a plan can boost your income, preserve your wealth and prepare for...
www.sjp.co.uk
December 6, 2025 at 9:27 AM
pellis71.bsky.social
The latest Budget promised to tackle NHS waiting lists, ease the cost of living, & reduce national debt. Marketed as a Budget “for working people,” it also claimed to back entrepreneurs, risk-takers, & the SME community.
#sovereign #wealthmanagement #budget #SME
www.sjp.co.uk/individuals/...
Autumn Budget: What small business owners need to know
The latest Budget, delivered amid unusual drama, landed with the promise of tackling NHS waiting lists, easing the cost of living, and reducing national debt. Marketed as a Budget “for working people,...
www.sjp.co.uk
November 30, 2025 at 8:58 AM
pellis71.bsky.social
The Chancellor has finally delivered her Autumn Budget and as trailed, there were significant tax increases but also boosts to spending in some areas. There will be winners and losers but undoubtedly higher taxes will be a feature.
#sovereign #wealthmanagement #budget
www.sjp.co.uk/individuals/...
The Budget lowdown – the topline announcements
The Chancellor has finally delivered her Autumn Budget and as trailed, there were significant tax increases but also boosts to spending in some areas. There will be winners and losers but undoubtedly ...
www.sjp.co.uk
November 26, 2025 at 5:46 PM
pellis71.bsky.social
Having a clear purpose or goal when saving & investing can make a real difference when it comes to both motivation & confidence. Those goals are rarely purely financial – there will often be a clear emotional driver behind them.
#sovereign #wealthmanagement #planning
www.sjp.co.uk/individuals/...
Real Life Advice Report 2025: Chapter 3 – The purpose behind financial planning
Having a clear purpose or goal when saving and investing can make a real difference when it comes to both motivation and confidence. And those goals are rarely purely financial – there will often be a...
www.sjp.co.uk
November 23, 2025 at 8:48 AM
pellis71.bsky.social
Growth companies have been at the heart of the record-breaking rise of US stock markets in recent times. But do these businesses always mean good returns for investors?
#sovereign #wealthmanagement #magnificentseven
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Do growth companies always mean good returns?
Growth companies have been at the heart of the record-breaking rise of US stock markets in recent times. The dominance of the Magnificent Seven in the S&P 500 –including household names such as Apple ...
www.sjp.co.uk
November 22, 2025 at 10:27 AM
pellis71.bsky.social
Many people dream of retiring abroad, especially to a country that enjoys more sunshine, and maybe lower tax rates too. We look at three popular expat locations and what it means for drawing a UK pension.
#sovereign #wealthmanagement #livingabroad
www.sjp.co.uk/individuals/...
Living abroad – and what it could mean for taking your pension
Many people dream of retiring abroad, especially to a country that enjoys more sunshine, and maybe lower tax rates too. Over the past few years, there has been a huge increase in the number of Britons...
www.sjp.co.uk
November 1, 2025 at 8:26 AM
pellis71.bsky.social
Almost a third of parents are pessimistic about their children's financial futures, with fears ranging from their child never owning their own home to not being able to retire in later life.
#sovereign #wealthmanagement #planning
www.sjp.co.uk/individuals/...
Real Life Advice Report 2025: Chapter 2 – Will my child ever buy a home, or be able to retire?
Almost a third of parents are pessimistic about their children's financial futures, with fears ranging from their child never owning their own home to not being able to retire in later life. This is a...
www.sjp.co.uk
October 25, 2025 at 7:32 AM
pellis71.bsky.social
Business owners looking to sell their business will face higher tax rates from April of next year – so could it be worth considering bringing a planned sale forward?
#sovereign #wealthmanagement #businessowner
www.sjp.co.uk/individuals/...
Timing your business sale: November 2025 vs June 2026 – What’s the financial difference?
Business owners looking to sell their business will face higher tax rates from April of next year – so could it be worth considering bringing a planned sale forward?
www.sjp.co.uk
October 19, 2025 at 7:19 AM
pellis71.bsky.social
As the Chancellor prepares to unveil her second Budget, there’s plenty of speculation. Yet experience shows us that making decisions based on unfounded rumours can often lead to unintended consequences
#sovereign #wealthmanagement #budget
www.sjp.co.uk/individuals/...
Budget 2025: Beware of the rumours
As Chancellor Rachel Reeves prepares to unveil her second Budget next month, there’s plenty of speculation about what could be announced. Yet experience shows us that making decisions based on unfound...
www.sjp.co.uk
October 18, 2025 at 7:24 AM
pellis71.bsky.social
Welcome to the latest issue of Justin Onuekwusi, our CIO, quarterly insights.
#sovereign #wealthmanagement #insights
www.sjp.co.uk/individuals/...
CIO Investment Insights: From Old Trafford to Wall Street - the case for staying the course
Welcome to the latest issue of Justin Onuekwusi, our CIO, quarterly insights.
www.sjp.co.uk
October 11, 2025 at 1:22 PM
pellis71.bsky.social
For small and medium-sized enterprises (SMEs) thinking about expansion, the Autumn Budget should arguably be used as more than just a policy update. It’s also a moment to pause, reflect and prepare for what’s next.
#sovereign #wealthmanagement #budget
www.sjp.co.uk/individuals/...
What could the Autumn Budget mean for growing SMEs? Thinking ahead with head, heart and hand
Rachel Reeves’s Autumn Budget could unveil plenty of changes for business owners. The government has already said it will use the fiscal event on 26 November to deliver an update on reforming business...
www.sjp.co.uk
October 4, 2025 at 4:33 PM
pellis71.bsky.social
You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.
#sovereign #wealthmanagement #IHT
www.sjp.co.uk/individuals/...
Protect your estate: strategies to reduce inheritance tax
You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.
www.sjp.co.uk
September 27, 2025 at 7:11 AM
pellis71.bsky.social
More of us are reaching our 100th birthdays than ever before. We explore what you need to consider to ensure your pension savings can stretch across 35 years or more.
#sovereign #wealthmanagement #retirement
www.sjp.co.uk/individuals/...
Living to age 100: How to make your pension last longer
More of us are reaching our 100th birthdays than ever before. While a letter from the King may seem exciting, funding a long and comfortable retirement requires careful planning. We explore what you n...
www.sjp.co.uk
September 21, 2025 at 9:50 AM
pellis71.bsky.social
Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, we break down seven of the most common misconceptions holding people back from maximising their retirement savings.
#sovereign #wealthmanagement #retirement
www.sjp.co.uk/individuals/...
Seven pension myths busted: What savers often overlook about their retirement pot
Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, we break down seven of the most common misconceptions holding people back from maximising their retirem...
www.sjp.co.uk
September 20, 2025 at 6:26 AM
pellis71.bsky.social
Do you, or don’t you, have to pay tax in retirement? Some of your income may be taxable, and some may be tax-free. These are the key tax traps you should know about to stay on top of your taxes.
#sovereign #wealthmanagement #retirement
www.sjp.co.uk/individuals/...
Everything you need to know about tax in retirement
Do you, or don’t you, have to pay tax in retirement? Some of your income may be taxable, and some may be tax-free. These are the key tax traps you should know about to stay on top of your taxes.
www.sjp.co.uk
September 6, 2025 at 7:36 AM
pellis71.bsky.social
Against a backdrop of heightened trade tensions with both allies and historic competitors, the US continues to dominate global equity markets. Does this dominance reduce the need for diversification?
#sovereign #wealthmanagement #investing
www.sjp.co.uk/individuals/...
In an age of US and tech dominance does diversification still matter?
Against a backdrop of heightened trade tensions with both allies and historic competitors, the US continues to dominate global equity markets. Driven by AI, a handful of technology companies have been...
www.sjp.co.uk
August 31, 2025 at 7:13 AM
pellis71.bsky.social
Nobody wants the HMRC to be their biggest beneficiary. Find out how you can reduce your Inheritance Tax bill – and leave more to your family.
#sovereign #wealthmanagement #IHT
www.sjp.co.uk/individuals/...
How to reduce your Inheritance Tax bill
Nobody wants HMRC to be their biggest beneficiary. Find out how you can reduce your IHT bill – and leave more to your family.
www.sjp.co.uk
August 16, 2025 at 7:14 AM
pellis71.bsky.social
More than 6,000 agricultural, forestry and fishing businesses have closed in the past 12 months according to the Office for National Statistics, as concerns over changes to tax reliefs mount.
#sovereign #wealthmanagement #farmers
www.sjp.co.uk/individuals/...
Navigating the impact of the changes to tax reliefs for farm owners
More than 6,000 agricultural, forestry and fishing businesses have closed in the past 12 months according to the Office for National Statistics, as concerns over changes to tax reliefs mount. The gove...
www.sjp.co.uk
August 10, 2025 at 10:54 AM
pellis71.bsky.social
As humans, we’re biologically wired to react when we observe change. Yet when it comes to investing, blocking out this external noise is often the foundation of long-term success.
#sovereign #wealthmanagement #investing
www.sjp.co.uk/individuals/...
Investing - the skill in doing (almost) nothing
As humans, we’re biologically wired to react when we observe change. Yet when it comes to investing, this is often the opposite of what investors should do. Instead, blocking out this external noise i...
www.sjp.co.uk
August 9, 2025 at 10:30 AM
pellis71.bsky.social
How much do I need to retire? By the time we reach 55, many of us begin to prioritise pension planning, and this question often tops our minds. We explore the financial aspects of what a fulfilling retirement may require.
#sovereign #wealthmanagement #retirement
www.sjp.co.uk/individuals/...
What's the cost of a comfortable retirement?
How much do I need to retire? By the time we reach 55, many of us begin to prioritise pension planning, and this question often tops our minds. With inflation rates still see-sawing, and interest rate...
www.sjp.co.uk
August 3, 2025 at 6:47 AM
pellis71.bsky.social
Finances and funding are a vital aspect of successfully growing your business. Martin Brown, CEO of business growth advisory Elephants Child, explores some key questions business owners have on this topic.
#sovereign #wealthmanagement #business
www.sjp.co.uk/individuals/...
Mastering business growth: Your essential guide to finances and funding
Finances and funding are a vital aspect of successfully growing your business. Martin Brown, CEO of business growth advisory Elephants Child*, explores some key questions business owners have on this ...
www.sjp.co.uk
July 27, 2025 at 9:26 AM
pellis71.bsky.social
Believe it or not, there can be a downside to having income of £100k or more – a 60% tax bill. Niki Patel outlines some tax-efficient steps that can help keep individuals from falling into the 60% tax trap.
#sovereign #wealthmanagement #tax
www.sjp.co.uk/individuals/...
How you can beat the 60% tax trap
Higher-rate taxpayers can unwittingly fall into a 60% tax bracket without realising. But you can take easy and tax-efficient ways to avoid the 60% tax trap this tax year.
www.sjp.co.uk
July 26, 2025 at 7:39 AM
pellis71.bsky.social
Annuities are back in fashion again. But are they right for your retirement planning? Claire Trott, SJP’s Head of Advice, looks at the pros and cons of annuities as a way to fund life after work.
#sovereign #wealthmanagement #annuities
www.sjp.co.uk/individuals/...
Essential guide to annuities: what you need to know for retirement planning
Annuities are back in fashion again. But are they right for your retirement planning? Claire Trott, SJP’s Head of Advice, looks at the pros and cons of annuities as a way to fund life after work.
www.sjp.co.uk
July 20, 2025 at 8:46 AM
pellis71.bsky.social
If you set up a child pension while your children are young, you’re putting them on the path to future financial wellbeing. We explain why starting early means starting right.
#sovereign #wealthmanagement #pensions
www.sjp.co.uk/individuals/...
Pensions for children - what you need to know
If you set up a child pension while your children are young, you’re putting them on the path to future financial wellbeing. We explain why starting early means starting right.
www.sjp.co.uk
July 19, 2025 at 7:05 AM
pellis71.bsky.social
With the popularity of share buybacks exploding in the UK, we explore when and why a company might choose buybacks over dividends, and what they mean for investors.
#sovereign #wealthmanagement #buyback
www.sjp.co.uk/individuals/...
Changing dynamics and the rise of UK share buybacks
With the popularity of share buybacks exploding in the UK, we explore when and why a company might choose buybacks over dividends, and what they mean for investors.
www.sjp.co.uk
July 12, 2025 at 7:52 AM