Howitt Wealth Management Ltd

27/04/2026

Huge congrats to my son and his fiancée with a fantastic performance in , we are so proud of you ❤️

20/04/2026

What an honour is was to be invited to sponsor this event, fantastic amount of money raised 👏👏👏

19/04/2026

With the situation continuing to evolve, financial uncertainty is likely to remain for some time.

Reviewing your current financial position and making informed decisions is key to staying on track.

If you’re unsure how these changes may affect you, seeking professional advice can help you navigate the months ahead with confidence.

Howitt Wealth Management Ltd 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 1/4/2026

18/04/2026

Huge good luck to Paul and Amelia Anderson running Manchester Marathon tomorrow 🏃🏃🏼‍♀️👟🍀@

18/04/2026

What a fabulous day to share with So many wonderful ladies 😅 Thank you for letting us sponsor this event Chester BIRDS

15/04/2026

10/04/2026

What is an ISA, and why is 5th April important?

An ISA (Individual Savings Account) is a tax-efficient way to save or invest money. In simple terms, it allows your money to grow without certain taxes applying.

With an ISA:

✔️ There’s no income tax on interest
✔️ No capital gains tax on investments
✔️ No tax on dividends
✔️ And nothing to report on a tax return

One key detail that’s often overlooked is the 5th April deadline.

ISA allowances operate on a “use it or lose it” basis. If the allowance isn’t used by 5th April, it can’t be carried forward.

On 6th April, the allowance resets to £20,000 for the new tax year. The £20,000 annual allowance remains for 2026, but from April 2027, under 65s can only put £12,000 into Cash ISAs.

Unused allowances over time can result in a significant amount of money missing out on tax-free growth. For business owners paying themselves through dividends, or families focused on building long-term wealth, consistently making use of the annual ISA allowance is a straightforward part of effective financial planning.

06/04/2026

Our Real Life Advice report shows clear generational differences in financial priorities.
From saving habits to career changes, younger generations are redefining what matters most in their finances.

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.SJP Approved 27/1/2026

02/04/2026

A strong financial plan does more than manage money.

Here are a few reasons why it’s worth committing to.

02/04/2026

A strong financial plan does more than manage money.

Here are a few reasons why it’s worth committing to.

30/03/2026

Starting a pension doesn’t mean you’re about to stop work. But starting one early means that when you do, you should have a considerable pot on money.

25/03/2026

“If I couldn’t work for 6 months… would we be okay?”

If the answer feels uncertain, it might be time to explore your options.