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16/06/2026

One of the most interesting findings from the latest SJP Financial Health Report is that financial confidence isn’t necessarily tied to income alone.

Seven in ten people with a financial plan said it made them feel more confident about their future finances.

That confidence often comes from understanding what you have, how it’s structured and what it’s working towards.

In uncertain times, having a plan can make financial decisions feel far less overwhelming and far more intentional.

Source: Opinium survey of 6,000 UK adults 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.

15/06/2026

This week is Dementia Action Week, a reminder that planning ahead matters, not just financially, but personally too.
A common misconception is that spouses or children can automatically make decisions on your behalf if something happens to you. Legally, that isn’t always the case.

Without a Lasting Power of Attorney in place, families can face delays, legal costs and significant stress at an already emotional time.

An LPA allows you to formally appoint trusted individuals to make decisions regarding:
• finances and property
• healthcare and welfare
• care arrangements and medical treatment

Applications can take up to 10 weeks to register with the Office of the Public Guardian, which is why these arrangements are best considered early rather than reactively.

For many families, putting an LPA in place provides reassurance that future decisions will remain in the hands of people they know and trust.

Powers of Attorney involve the referral to a service that is separate and distinct to those offered by St. James's Place and are not regulated by the Financial Conduct Authority.

13/06/2026

Inheritance Tax Planning is often left too late because people assume it’s only relevant for the very wealthy.

In reality, rising property values, frozen thresholds and accumulated pensions and investments mean more families than ever are likely to be affected.

Without planning, 40% of an estate above the available thresholds could ultimately be lost to Inheritance Tax.

Good estate planning isn’t simply about reducing tax. It’s about making sure wealth passes in the way you intend, to the people you intend, at the right time.

That may involve making use of gifting allowances, structuring assets efficiently, considering trusts* or ensuring pension and protection arrangements are aligned with wider family objectives.

The earlier these conversations happen, the more options are usually available.

Taxation rules can change at any time and are dependent on individual circumstances.

*Trusts are not regulated by the Financial Conduct Authority.

12/06/2026

At JPS Wealth Management, we believe financial education is one of the most valuable gifts we can give the next generation.

On Monday, our Director, Jayna Shah, returned to St Christopher’s Prep School in Hove to deliver a My Personal Finance Assembly to around 70 pupils in Years 6, 7 and 8.

The visit was particularly meaningful for Jayna, as both of her sons, Josh and Aman, attended the school from Reception through to Year 8. Having the opportunity to return and share practical lessons around money management, saving, budgeting and financial decision-making with current pupils was a proud full-circle moment.

Financial literacy is not always taught in depth within the classroom, yet the decisions young people make around money can have a lasting impact throughout their lives. Helping students understand the basics from an early age can provide a strong foundation for the future.

A huge thank you to St Christopher’s Prep School for welcoming Jayna back and for recognising the importance of equipping young people with essential life skills alongside their academic education.

10/06/2026

🌈 Pride Month 2026
Pride is about celebrating people, individuality and progress.

It is also a reminder that many LGBTQ+ people still face challenges in everyday life. Stonewall research found that almost 40% of LGBTQ+ employees still hide their identity at work and 36% of employees have heard negative or discriminatory remarks about LGBTQ+ colleagues.

Futhermore, nearly a third of LGBTQ+ employees did not agree they could be themselves at work and a TUC poll found that half of LGBT+ workers have been bullied or harassed at work.

Creating inclusive workplaces and communities benefits everyone.

This month, we celebrate diversity and the positive impact it has on our society.

09/06/2026

TESTIMONIAL TUESDAY! 🌟🌟🌟🌟🌟

"I’ve had an excellent experience working with Jayna. She always takes the time to understand my goals and long-term plans in an easy to follow manner. I always feel informed and confident in all my decision making.

She is also incredibly responsive and proactive, regularly checking in and making adjustments as my circumstances evolve.

I feel much more secure about my future knowing I have someone knowledgeable and trustworthy guiding me.
I would highly recommend her.

I [have since] had an annual review which has shown Jayna’s advice to be sound."

05/06/2026

One of the most common financial mistakes isn’t making poor decisions. It’s assuming that because something was the right decision five years ago, it must still be right today.

Circumstances change. Tax rules evolve. Incomes grow. Families expand. Priorities shift.

Financial planning works best when it evolves alongside life rather than remaining static.

Sometimes small adjustments create surprisingly large differences over time.

03/06/2026

Future planning isn’t simply about retirement.
For many people, it’s about creating options.

Options to spend more time with family.
Options to support children and grandchildren.
Options to work because you want to, rather than because you have to.

Good planning creates flexibility. And flexibility often becomes one of the most valuable assets people have later in life.

12/05/2026

Most people insure the things they could replace.
Cars. Phones. Holidays.

Far fewer properly protect the thing that funds everything else: their income.

For many families, a sudden loss of income would affect far more than monthly bills. It could change education plans, retirement goals, future opportunities and day-to-day quality of life.

The right protection planning helps create stability during periods of uncertainty. Whether that’s life cover, critical illness cover or income protection, the purpose is the same: ensuring that if life changes unexpectedly, the people around you remain secure.

Protection is rarely the most exciting part of financial planning, but it is often the foundation everything else sits on.

06/05/2026

NEWS: Pension Schemes Bill receives royal assent after months of wrangling

After months of debate between the Lords and Commons, the Pension Schemes Bill received royal assent last week.

The breakthrough came after the Lords agreed a scaled back version of the mandation powers, which had been a major point of contention. These powers allow the government to influence how pension schemes can invest savers’ money.

Under the new law and following concessions made by the Commons, the House of Lords was satisfied that the mandation powers will now have the appropriate safeguards in place.

The pensions industry has welcomed the Pension Schemes Act 2026. The Act will bring major reform of the UK pensions system, requiring schemes to prove they are delivering value for money for pension savers.

READ MORE HERE:
https://partnership.sjp.co.uk/jaynashah/article/detail/sjpp/weekwatch-05-05-2026.html

Address

14A Montpelier Place
Brighton
BN13BF

Telephone

+441273030770

Website

https://www.jpswealthmanagement.co.uk/

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