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Godiva Financial Planning Ltd At Godiva Financial Planning, we provide bespoke Wealth Management advice to individuals and businesses in and around Coventry and the Midlands.

Is it time for a little financial rethink? 🧐 Traditionally, many have thought it wise to sip from the ISA cup first and ...
13/10/2026

Is it time for a little financial rethink? 🧐

Traditionally, many have thought it wise to sip from the ISA cup first and save that pension wealth like the last biscuit in the tin for future generations. But with looming pension and inheritance tax changes set for April 2027, we might need a new game plan.

This raises a few fun questions:
- Should we be dipping into those pension assets a bit earlier?
- Has our tried-and-true withdrawal hierarchy gone the way of flip phones? 📱
- Is being tax-efficient still the top priority, or has flexibility stolen the spotlight?

Financial planning is anything but a one-size-fits-all hat, and that’s exactly why it’s worth having a good chinwag about your unique situation. After all, nobody woke up thinking, ‘I can’t wait to read some jargon!’ 😄

Maybe it’s time to refresh those strategies!

Godiva Financial Planning 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) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.

With less than four weeks before the chancellor John Healey stands up to give his first Budget, leaks about what might b...
08/10/2026

With less than four weeks before the chancellor John Healey stands up to give his first Budget, leaks about what might be announced have been few and far between.

The lack of rumours has also led to a notable reduction in speculation, which has been welcomed by both SJP and markets. The panic seen in previous years around potential changes to pensions for example, appears to have been largely muted.

However, in his keynote speech to the Labour Party conference in Birmingham on Tuesday, the prime minister Andy Burnham set out a pledge to offer access to free social care services to everyone in England – on which he intends to lead Labour into the next election.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

Investors saw a perfect storm this week across financial markets. This culminated in US 10-year Treasury yields reaching...
05/10/2026

Investors saw a perfect storm this week across financial markets. This culminated in US 10-year Treasury yields reaching 5.1%, a level last seen during the global financial crisis in 2007. The 30-year Treasury yield rose even further, exceeding its level in 2004.

Government bond yields are climbing as investors demand even more compensation in response to persistent inflation pressures, a resilient economy as well as high energy prices and geopolitical uncertainty. Reinforcing higher US inflation pressures was a data release on the economic health and sentiment across the services and manufacturing sectors.

This showed US business activity during September accelerated to its fastest rate in over five years. While signs of a booming economy would normally be considered as positive for markets, difficulties in sourcing suitable staff and order backlogs are adding to fears of higher pressure on selling prices and therefore inflation in the months to come. This strength in the economy also suggests it is strong enough to absorb another rate hike. It also feeds into the higher for longer narrative regarding interest rates, pushing bond prices, shares and the gold price lower.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/weekwatch-28-09-2026

Financial plans should reflect who we are and what we truly want. We’re all unique, with goals that vary widely - from b...
02/10/2026

Financial plans should reflect who we are and what we truly want. We’re all unique, with goals that vary widely - from buying a first home to saving for a child’s education or preparing for retirement. This variety means a one-size-fits-all approach just doesn’t work.

Take saving for a child’s education. One family might want to cover university fees, while another may focus on private schooling. The ways you save for each will be very different. ✏️

This is where tailored advice really helps. When you work with someone who knows your specific goals, you can create plans that fit your needs and adjust them as life changes.

The beauty of financial planning is its ability to shift as your goals change. Keeping the conversation going ensures that your plans stay relevant and work for you.

What are your financial goals? Have they changed over time? 🤔

Meet Ian LuckettSelling up is a major transition for any business owner – even more so when you’re the third generation ...
25/09/2026

Meet Ian Luckett

Selling up is a major transition for any business owner – even more so when you’re the third generation of your family in charge.

For Ian Luckett, his family’s coach-travel business represented a lifetime’s hard work for himself, his brother, his father and grandfather – as well as the financial security of their loved ones. With the support of his financial adviser, Ian was able to realise the rewards of that hard work and secure his family’s future.

Read more: https://www.sjp.co.uk/individuals/client-stories/turning-a-family-business-into-family-wealth

Feeling overwhelmed by financial decisions is something we can all relate to. 🤔 Whether it's planning for retirement, sa...
22/09/2026

Feeling overwhelmed by financial decisions is something we can all relate to. 🤔 Whether it's planning for retirement, saving for a child's education, or simply wondering if you're on the right track, the stress can be immense.

Tailored financial advice offers a sense of clarity and peace of mind. It’s not just about crunching numbers; it’s about understanding your unique situation and goals. With personalised guidance, you can finally breathe a little easier, knowing that you’re following a plan designed just for you.

This newfound confidence can ripple into other areas of your life. When you feel secure about your finances, it frees up mental space to focus on what truly matters - enjoying life and cherishing time with family. 💖

Reflecting on our financial paths can help us feel more connected and create understanding.

The traditional nuclear family is less common than it once was, with family life today taking many different forms. Fami...
17/09/2026

The traditional nuclear family is less common than it once was, with family life today taking many different forms. Families are increasingly more blended than ever before, shaped by relationships, responsibilities and choices. This means having a say on what assets you want to leave to whom – through a Will – has never been as important, regardless of your relationship status.

According to the 2025 National Wills Report, 79% of UK adults are comfortable talking about death. Yet when it comes to considering finances, only 36% of people have made a Will. This highlights the uncomfortable gap many of us fall into between discussing and doing.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/where-theres-a-will-theres-a-say

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritanc...
08/09/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider.

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

Japan, one of the world's largest economies, is struggling with a falling currency. The yen has been weakening against t...
03/09/2026

Japan, one of the world's largest economies, is struggling with a falling currency. The yen has been weakening against the US dollar, reaching its lowest level in almost 40 years. It’s also fallen against other currencies, including the pound. While that may sound like a problem confined to the other side of the world, it has become significant enough for both Japan and the US to step in and try to stabilise the situation.

Global investors as well as central banks are paying attention. It is a case of “what happens in Japan may not stay in Japan...” A prolonged decline in the yen has the potential to affect global bond markets, as well as borrowing costs for mortgage rates in the UK.

Read more: https://www.godivafinancialplanning.co.uk/article/detail/sjpp/what-japans-falling-currency-could-mean-for-borrowing-costs

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