Mark Nield Wealth Management

Mark Nield Wealth Management Providing a first class, holistic approach, with each and every client at the centre of everything we do.

Could your pension increase your inheritance tax (IHT) bill? From April 2027, most unused pension funds will be included...
03/09/2026

Could your pension increase your inheritance tax (IHT) bill? From April 2027, most unused pension funds will be included in estates when calculating IHT.

For some families and individuals, having unspent pension funds could significantly increase the value of their estate for IHT purposes.

Will these changes affect you? It’s worth taking some time to understand your position, plan and act.

Read more in here: https://www.marknieldwm.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

Mark Nield Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 20/08/2026

Coming home to retire? Tax implications for returning expats. 🏠If you live abroad, there may be many appealing reasons t...
26/08/2026

Coming home to retire? Tax implications for returning expats. 🏠

If you live abroad, there may be many appealing reasons to return to the UK for your later years. But the emotional pull – such as wanting to be closer to family or return to a familiar place – should be balanced against the costs of returning home. Things to bear in mind;

• The tax treatment of your income and gains depends on how long you lived overseas.

• Qualifying UK residents receive four years of tax relief on certain worldwide income and gains, under the foreign income and gains regime.

• The complex and changing tax landscape highlights the value of professional advice for
anyone considering returning to the UK. 🌎

If you are considering moving back to the UK, considering a number of different aspects and how they compare in different countries could help clarify your decision. These include:

✔Quality of healthcare system

✔Political stability of both countries

✔Cost of living and housing affordability

✔Your lifestyle preferences (for instance, weather, hobbies, community)

✔ Any changes in UK allowances after living abroad

✔The tax regimes

Also, and most importantly think about timing. ⏰

The FIG regime applies if you become a UK tax resident after 10 consecutive years of nonresidence.

For your first four years back in the UK, you are exempt from UK tax on certain
foreign income and gains.

If you return after fewer than 10 years abroad, you do not qualify for FIG relief and are taxed on all income and gains as soon as you become a UK resident.

Returning to the UK within five years may also trigger a tax bill on certain foreign income or gains, depending on your circumstances and the detailed rules set by HMRC.

Professional financial and tax advice can ensure you make the most of your allowances and avoid unexpected tax bills once you are back in the UK.

Tax treatment depends on individual circumstances and may change.

Mark Nield is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP approved 11/08/2026

What happens if you die without a Will in the UK?If you die without a Will, the rules of intestacy determine who inherit...
24/08/2026

What happens if you die without a Will in the UK?

If you die without a Will, the rules of intestacy determine who inherits your estate. For unmarried couples, stepfamilies and cohabiting partners, the outcome may not be what you expected.

This article explains the risks of dying without a Will: https://www.marknieldwm.co.uk/article/detail/sjpp/where-theres-a-will-theres-a-say.html

Will writing involves the referral to a service which is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.

Mark Nield Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 17/08/2026

Five trends defining the UK SME market in 2026 📉For UK businesses, the challenge remains consistent: how do we create su...
19/08/2026

Five trends defining the UK SME market in 2026 📉

For UK businesses, the challenge remains consistent: how do we create sustainable growth in an environment that continues to test confidence and resilience?

Martin Brown, CEO of business advisory firm Elephants Child, discusses the trends they are seeing in the SME market this year.

🏢The best exit strategies are built years before exit.
Successful exits rarely begin when a business is put up for sale.
Increasingly, owners recognise value is created long before a transaction takes place.

🏢Succession is becoming a growth conversation.
Traditionally, succession planning was often viewed as a retirement conversation. Increasingly, it is becoming a growth conversation.
Management buyouts continue to gain momentum as founders seek ways to preserve their legacy while ensuring continuity.

🏢Growth funding - a value creation tool.
Another shift taking place in the market is the way ambitious businesses are thinking about funding. Rather than viewing finance solely as a means of supporting cash flow, many leaders are using funding strategically to increase enterprise value.

🏢Tax planning - don't leave until the end.
Recent changes to taxes have reinforced the importance of early planning. It is not just about seeking tax advice before a sale. Instead, integrating tax, wealth and exit planning into the broader strategic agenda earlier than many business owners traditionally have can reap real benefits.

🏢The cost of waiting is increasing
One of the defining characteristics of 2026 has been slower decision-making.
Across many sectors, businesses are taking longer to commit to acquisitions, investments, recruitment plans and strategic initiatives. Economic uncertainty inevitably creates caution. However, there is a risk that caution becomes inertia.

Market conditions may be challenging, but preparation, clarity of strategy and decisive leadership continue to create opportunity.

Mark Nield is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP approved 12/08/2026

Protection is often something people plan to sort out "later". But later can mean fewer options and higher costs.You can...
17/08/2026

Protection is often something people plan to sort out "later". But later can mean fewer options and higher costs.

You cannot predict what happens in the future, but knowing you have protection can make it less scary.

Read more about why many millennials may be delaying protection decisions and what that could mean for their future.

🔗 https://www.marknieldwm.co.uk/article/detail/sjpp/are-millennials-failing-to-protect-their-future.html

Mark Nield Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 28/07/2026

Could your business survive losing its most valuable person?The key people in your business are those who you rely on he...
13/08/2026

Could your business survive losing its most valuable person?

The key people in your business are those who you rely on heavily for the company to function successfully.

💫The business owner, directors and decision makers or an employee with niche expertise or talent.

🏋 Key person insurance can help keep your business afloat in the event that a key person in your company falls seriously ill or dies.

🧘‍♀️Shareholder protection insurance allows existing shareholders to retain their equity stake in the company if a key person – such as the founder or chief executive – passes away.

Identifying what type of cover works best for your needs will depend on your business –its size, legal structure, and which employees should be protected. A financial adviser
can help you consider the most appropriate option.

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?

Mark Nield is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP approved 12/08/2026

11/08/2026

🏌️‍♂️⛳ CRAIGIELANDS CUP - 2 MAN TEXAS SCRAMBLE ~ Saturday 15th August ⛳🏌️‍♂️

Tee times are filling up quickly!

👥 Format: 2 Man Texas
💷 Entry Fee: £30 per pair

🥇£200
🥈£150
🥉£100

Whether you're aiming to top the leaderboard or simply enjoy a great day of golf, we'd love to welcome you to Moffat Golf Club for another fantastic Open Competition.

SPONSORED BY MARK NIELD WEALTH MANAGEMENT

📩 To book your place or enquire about sponsorship:
📞 01683 220020
📧 [email protected]
Or send us a message via Facebook or Instagram.

Secure your place today and join us for a great day of competitive golf on one of Scotland's most scenic courses.

Only 44% of women say they would feel confident investing an inheritance or financial windfall*.When life changes unexpe...
11/08/2026

Only 44% of women say they would feel confident investing an inheritance or financial windfall*.

When life changes unexpectedly, financial decisions can feel overwhelming.

Read more on how you can manage your finances during major life changes: https://www.marknieldwm.co.uk/article/detail/sjpp/when-finances-change-overnight-inheritance-divorce-and-new-responsibilities.html

*Financial Health Report 2026: Women and Wealth. On behalf of St. James's Place, Opinium surveyed 6,000 UK adults nationwide between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

Mark Nield Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 28/07/2026

Handling finances during a bereavement is never easy.For many people, it can feel overwhelming to navigate the practical...
30/07/2026

Handling finances during a bereavement is never easy.

For many people, it can feel overwhelming to navigate the practical and legal steps at
such an emotional time.

This article provides a simple outline of what’s involved, including probate and the role of
an executor. It also highlights how taking things gradually can help make the process
more manageable.

🔗 Read more: https://www.marknieldwm.co.uk/article/detail/sjpp/managing-finances-in-bereavement.html

Mark Nield Wealth Management is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 03/07/2026

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