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pellis71.bsky.social
@pellis71.bsky.social
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pellis71.bsky.social
As cyber security awareness month kicks off, we asked the St. James'sPlace’s (SJP) cyber security team for their top tips on how to keep your business cybersafe.
#sovereign #wealthmanagement #cybersafe
www.sjp.co.uk/individuals/...
Is your business cybersafe?
More than 600,000 businesses have experienced a cyber security breach in the past year, according to the government’s latest figures.1 Small-to-medium businesses are particularly vulnerable as they ar...
www.sjp.co.uk
October 3, 2026 at 7:33 AM
pellis71.bsky.social
Taking on caring responsibilities can affect your financial security; it can be easy to put your own needs and goals aside. But a plan can help you stay in control while continuing to support the person you care for.
#sovereign #wealthmanagement #care
www.sjp.co.uk/individuals/...
Counting the cost: why caring shouldn’t mean losing yourself
Caring for a loved one, in their old age or poor health, can be hugely rewarding and millions of people across the UK provide unpaid care1. But taking on caring responsibilities can also affect your i...
www.sjp.co.uk
September 27, 2026 at 10:37 AM
pellis71.bsky.social
For years, many people viewed their pension as more than just a source of retirement income. It was also a tax-efficient way to pass wealth on to future generations…
#sovereign #wealthmanagement #pensions
www.sjp.co.uk/individuals/...
The new retirement dilemma: preserve or spend your pension?
For years, many people viewed their pension as more than just a source of retirement income. It was also a tax-efficient way to pass wealth on to future generations. But changes coming into force in A...
www.sjp.co.uk
September 12, 2026 at 8:26 AM
pellis71.bsky.social
Business owners face a growing number of tax deadlines and reporting requirements. Missing an important date could result in penalties, interest charges and unnecessary stress.
#sovereign #wealthmanagement #tax
www.sjp.co.uk/individuals/...
Beating the deadlines: tax dates for business owners
From self-assessment tax returns to Making Tax Digital, business owners face a growing number of tax deadlines and reporting requirements. And with an Autumn Budget only weeks away, more changes could...
www.sjp.co.uk
September 5, 2026 at 7:28 AM
pellis71.bsky.social
Anxiety can make financial challenges feel much worse. Whether you become worried about the sustainability of your financial future or struggling with cash flow problems, emotions around money can lead to inaction or avoidance.
#sovereign #wealthmanagement #challenge
www.sjp.co.uk/individuals/...
Finding control when money feels overwhelming
Anxiety can make financial challenges feel much worse. Whether you become worried about the sustainability of your financial future, dealing with debt or struggling with cash flow problems, emotions a...
www.sjp.co.uk
August 29, 2026 at 9:46 AM
pellis71.bsky.social
As part of St. James's Place’s sponsorship of Sky Arts, both stars talked to Edith Bowman in the ‘Sound Advice’ series, to discuss the advice that shaped their careers and helped them navigate the music industry.
#sovereign #wealthmanagement #advice
www.sjp.co.uk/individuals/...
“Give it one more year” – the life changing impact of good advice
Good advice can be life changing. It’s something music stars Anastacia and Rick Astley know well. As part of St. James’s Place’s sponsorship of Sky Arts, both stars talked to Edith Bowman in the ‘Soun...
www.sjp.co.uk
August 8, 2026 at 8:37 AM
pellis71.bsky.social
With so much focus on the here and now, thinking about long-term protection can easily fall down the priority list. This could leave many financially exposed to unexpected events.
#sovereign #wealthmanagement #protection
www.sjp.co.uk/individuals/...
Are millennials failing to protect their future?
For many people in their 30s and early 40s, life can feel like a constant balancing act – managing a mortgage, building a career, raising a family and trying to keep up with day to day costs. With so ...
www.sjp.co.uk
July 25, 2026 at 7:35 AM
pellis71.bsky.social
Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer able to work?
#sovereign #wealthmanagement #keyman
www.sjp.co.uk/individuals/...
Could your business survive losing its most valuable person?
Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer able to work? Small to medium businesses in the UK are notoriously underinsured,...
www.sjp.co.uk
July 18, 2026 at 7:25 AM
pellis71.bsky.social
Our guide explores who qualifies for help towards social care and care home costs. It also looks at the complex rules around gifting assets and how this is viewed under the means test for care fees.
#sovereign #wealthmanagement #care
www.sjp.co.uk/individuals/...
Can I gift assets to avoid paying care home fees?
A place in a nursing home can cost £1,267 a week or even more1, and anyone with significant assets won’t qualify for state support. As we are all living longer, it is something more of us will need to...
www.sjp.co.uk
July 4, 2026 at 4:46 PM
pellis71.bsky.social
Nobody knows your business and its culture better than your own employees. Could selling it to them be an effective way for you to exit your business? Our article explains more.
#sovereign #wealthmanagement #buyout
www.sjp.co.uk/individuals/...
Employee ownership: Pros and cons of selling your company to your staff
The last five years has seen a rapid increase in the number of employee-owned businesses in the UK, with 30% year on year growth, according to the Employee Ownership Association (EOA). The number of e...
www.sjp.co.uk
June 20, 2026 at 8:31 AM
pellis71.bsky.social
Households are feeling less resilient and finances have worsened over the past 12 months, against a backdrop of continued cost of living pressures and global turmoil.
#sovereign #wealthmanagement #resilience
www.sjp.co.uk/individuals/...
Financial Health Report: Financial resilience falls but a plan can boost confidence
Households are feeling less resilient and finances have worsened over the past 12 months, against a backdrop of continued cost of living pressures and global turmoil. These are the findings of St. Jam...
www.sjp.co.uk
May 16, 2026 at 7:45 AM
pellis71.bsky.social
The Bank of England (BoE) held the base rate at 3.75% this week. But market expectations are now that the base rate will rise during 2026.
#sovereign #wealthmanagement #mortgage
www.sjp.co.uk/individuals/...
Fixed rate or tracker? Choosing the right mortgage in uncertain times
The Bank of England (BoE) held the base rate at 3.75% this week. But market expectations are now that the base rate will rise during 2026. This is because inflation is likely to go up due to increased...
www.sjp.co.uk
May 2, 2026 at 6:09 AM
pellis71.bsky.social
As the new tax year (2026/27) begins, we explore opportunities for people at different stages of life, from early career through to retirement.
#sovereign #wealthmanagement #taxyear
www.sjp.co.uk/individuals/...
New tax year: maximising opportunities at every life stage
Household finances continue to be squeezed in 2026. With income tax thresholds frozen until at least 2031, more taxpayers are being pulled into higher tax bands. Plus, years of high inflation have com...
www.sjp.co.uk
April 25, 2026 at 7:56 AM
pellis71.bsky.social
We’ve created a summary of the key tax changes for the 2026/27 tax year to help individuals and businesses with their tax planning.
#sovereign #wealthmanagement #newtaxyear
www.sjp.co.uk/individuals/...
New tax year: Round-up of rate and allowance changes
The new tax year (2026/27) began on 6 April. Updated tax rates and allowances have been well-trailed by the government so there shouldn’t be any nasty surprises for taxpayers. That said, it pays to ta...
www.sjp.co.uk
April 17, 2026 at 10:27 PM
pellis71.bsky.social
As the new tax year begins and with several bank holidays ahead, now’s the ideal time to pause, reflect and set the tone for the year to come. Here are 10 practical tips to help you start strong.
#sovereign #wealthmanagement #business
www.sjp.co.uk/individuals/...
10 tips for business owners heading into the new financial year
As the new tax year begins, many business owners are using the quieter spring weeks to reset, refocus and plan. With several bank holidays ahead, now’s the ideal time to pause, reflect and set the tone for the year to come. Here are 10 practical tips to help you start strong.
www.sjp.co.uk
April 11, 2026 at 5:03 PM
pellis71.bsky.social
A quarter of the world’s oil passes through the Strait of Hormuz – the narrow waterway between the Persian Gulf and the Gulf of Oman – making it one of the most important trade routes globally.
#sovereign #wealthmanagement #hormuz
www.sjp.co.uk/individuals/...
The busiest shipping lanes in the world
The conflict in Iran has brought shipping traffic to a halt in the Strait of Hormuz, a key corridor for global trade. This disruption has highlighted the world’s reliance on this strategic sea route a...
www.sjp.co.uk
April 4, 2026 at 6:14 AM
pellis71.bsky.social
Financial advice gives people the support and reassurance to invest, but what about the 92% of people who don’t receive advice?
#sovereign #wealthmanagement #advice
www.sjp.co.uk/individuals/...
Retail investors - Behavioural science report 2026
Financial advice gives people the support and reassurance to invest, but what about the 92% of people who don’t receive advice1? People can be motivated to invest by effective messaging which includes...
www.sjp.co.uk
March 27, 2026 at 11:09 PM
pellis71.bsky.social
“It might be a small stretch of water, but the Strait of Hormuz is something rarely far from the minds of anyone who follows geo-economics.” – Hetal Mehta, Chief Economist, St James’s Place.
www.sjp.co.uk/individuals/...
The Strait of Hormuz - why does it matter?
“It might be a small stretch of water, but the Strait of Hormuz is something rarely far from the minds of anyone who follows geo-economics. The speed at which tanker traffic has halted and translated ...
www.sjp.co.uk
March 14, 2026 at 10:35 AM
pellis71.bsky.social
With the rise in inflation and the freeze on income tax thresholds, the tax burden has increased considerably for many of us. Here we explore five allowances you can use before the end of the tax year on 5 April.
#sovereign #wealthmanagement #taxyearend
www.sjp.co.uk/individuals/...
Five allowances to use before tax year end
With the rise in inflation and the freeze on income tax thresholds until at least 2031, the tax burden has increased considerably for many of us. This is especially true for those who have benefited f...
www.sjp.co.uk
March 7, 2026 at 3:59 PM
pellis71.bsky.social
If you are unable to work due to an illness or injury it can be extremely stressful. A protection insurance policy offers peace of mind that you and your family would have financial support during a difficult time.
#sovereign #wealthmanagement #protection
www.sjp.co.uk/individuals/...
Preparing for the unexpected: protecting your income in illness
If you are unable to work due to a serious illness or injury it can be extremely stressful, particularly if you do not have employee sick pay or savings to fall back on. A protection insurance policy ...
www.sjp.co.uk
February 28, 2026 at 1:58 PM
pellis71.bsky.social
Now that the self-assessment deadline has passed, many directors are taking the opportunity to review how they extract profits from their companies.
#sovereign #wealthmanagement #director
www.sjp.co.uk/individuals/...
Dividends vs salary - why getting it wrong can hurt
Now that the self-assessment deadline has passed, many directors are taking the opportunity to review how they extract profits from their companies.
www.sjp.co.uk
February 22, 2026 at 11:54 AM
pellis71.bsky.social
For years, owning a portfolio of buy-to-let properties was seen as a reliable way to earn steady income and build long-term wealth.
#sovereign #wealthmanagement #B2L
www.sjp.co.uk/individuals/...
Buy-to-let: are the tax benefits still worth it?
For years, owning a portfolio of buy-to-let properties was seen as a reliable way to earn steady income and build long-term wealth. But the landscape has shifted. Rents continue to climb across much o...
www.sjp.co.uk
February 21, 2026 at 7:17 AM
pellis71.bsky.social
This article outlines some of the benefits of owning a home, from tax breaks for first time buyers, relief from CGT upon sale & opportunities to minimise IHT when the time comes to pass it down to your loved ones.
#sovereign #wealthmanagement #home
www.sjp.co.uk/individuals/...
The tax benefits of owning a home
Owning a home is a key milestone for many people. One that requires financial planning and preparation. However, ownership comes with additional responsibilities and costs – some of which can be avoid...
www.sjp.co.uk
February 7, 2026 at 8:23 AM
pellis71.bsky.social
Will your business fund the retirement you deserve? There’s often a great deal that can be done to improve a business’s value and plan an exit strategy that supports your financial freedom figure.
#sovereign #wealthmanagement #retirement
www.sjp.co.uk/individuals/...
Will your business fund the retirement you deserve?
Will your business fund the retirement you deserve? “Unfortunately, the current value of your business isn’t enough for you to retire” is never an easy conversation to have with a business owner. But ...
www.sjp.co.uk
February 1, 2026 at 9:29 AM
pellis71.bsky.social
Going through a divorce is usually an emotionally difficult time and it can be easy to overlook some important steps that might shape your financial future. We look at five key areas.
#sovereign #wealthmanagement #divorce
www.sjp.co.uk/individuals/...
Dealing with divorce – and your finances
Going through a divorce is usually an emotionally difficult time but it also has ongoing financial implications. Amid the transition, it can be easy to overlook some important steps that might shape y...
www.sjp.co.uk
January 31, 2026 at 8:14 AM