Lynsey Murray - Financial Adviser

Lynsey Murray - Financial Adviser Wealth Management Consultant

The UK has a strong savings culture, but investing still feels out of reach for many people. This article looks at what’...
29/05/2026

The UK has a strong savings culture, but investing still feels out of reach for many people.



This article looks at what’s behind that gap and how initiatives such as Invest for the Future are designed to help people better understand investing and its role in long‑term financial planning.



🔗 https://partnership.sjp.co.uk/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap.html



The value of your investment can go down as well as up. You could get back less than you invested.


Regency 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 5/5/2026



Strong UK savings culture – but persistent investment gap

Planning for the future can bring peace of mind for you and your family.In recognition of/Following Dementia Action Week...
28/05/2026

Planning for the future can bring peace of mind for you and your family.

In recognition of/Following Dementia Action Week, this article looks at how a lasting power of attorney (LPA) can help ensure your wishes are understood if you’re unable to make decisions yourself.



Learn the different types of LPA and why putting one in place early can help avoid added stress for loved ones:
https://partnership.sjp.co.uk/article/detail/sjpp/denebtua-action-week-shoring-up-the-future-with-a-lasting-power-of-attorney.html



Regency 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 20/5/2026

Insights listing

Not all business owners plan to retire at the same time — and that’s normal.What matters is how those differences are ha...
13/05/2026

Not all business owners plan to retire at the same time — and that’s normal.

What matters is how those differences are handled. Without clear communication, misaligned exit plans can affect both the business and personal relationships.

Here’s why these situations arise and the ways shareholders can approach retirement planning more constructively: https://partnership.sjp.co.uk/article/detail/sjpp/managing-different-retirement-timelines-among-shareholders.html

Regency 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 1/5/2026

Managing different retirement timelines among shareholders

The start of a new tax year is a useful moment to take stock.With tax thresholds frozen and living costs still elevated,...
11/05/2026

The start of a new tax year is a useful moment to take stock.

With tax thresholds frozen and living costs still elevated, making the most of available allowances has become increasingly important.

This article explores how priorities can change at different life stages and why regular reviews — whether early in a career or approaching retirement — can help financial plans stay aligned with long term goals.

🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/new-tax-year-maximising-opportunities-at-every-life-stage.html

Regency 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 1/5/2026

New tax year: maximising opportunities at every life stage

The Renters’ Rights Act has introduced important new rules for landlords in England.From May 2026, no‑fault evictions ar...
08/05/2026

The Renters’ Rights Act has introduced important new rules for landlords in England.

From May 2026, no‑fault evictions are no longer permitted, rent increases are more tightly regulated, and landlords must provide tenants with specific government information.



This article provides a clear overview of the changes and what landlords may want to check as part of staying compliant: https://partnership.sjp.co.uk/article/detail/sjpp/renters-rights-act-what-landlords-need-to-know.html



Regency 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 6/5/2026

Renters’ Rights Act: What landlords need to know

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates fo...
30/04/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates for inheritance tax purposes.



Combined with a long-term freeze in IHT thresholds, it is not surprising many people are turning to trusts as a way to manage their tax liabilities.



👉Learn more here: https://partnership.sjp.co.uk/article/detail/sjpp/can-a-trust-help-protect-your-estate.html



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



Trusts are not regulated by the Financial Conduct Authority.



Regency 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 17/4/2026

Can a trust help protect your estate?

With a new tax year underway, get ahead of the game by taking note of how recent tax changes could affect your finances ...
29/04/2026

With a new tax year underway, get ahead of the game by taking note of how recent tax changes could affect your finances this year.



📋 Read this handy summary: https://partnership.sjp.co.uk/article/detail/sjpp/new-tax-year-round-up-of-rate-and-allowance-changes.html



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



Regency 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 17/4/2026



New tax year: Round-up of rate and allowance changes

Market ups and downs can feel unsettling, but they don’t have to derail your long-term goals. 📖 Discover how diversifica...
08/04/2026

Market ups and downs can feel unsettling, but they don’t have to derail your long-term goals.



📖 Discover how diversification, risk management and staying invested can help you navigate volatility and build a more resilient retirement portfolio: https://partnership.sjp.co.uk/article/detail/sjpp/planning-for-retirement-in-volatile-times.html



The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.



Regency 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 20/1/2026

Planning for retirement in volatile times

Illness or injury can create significant financial pressure if you’re unable to work for aperiod of time.In today’s econ...
07/04/2026

Illness or injury can create significant financial pressure if you’re unable to work for a
period of time.

In today’s economic climate, with living costs rising and increased demand on the NHS,
many people are considering how protection insurance could provide a financial safety
net for themselves and their families.

This article outlines the main types of cover available, including income protection and
critical illness cover, as well as the factors that can influence cost and how payouts are
usually treated for tax purposes.

🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/preparing-for-the-unexpected-protecting-your-income-in-illness.html

Regency 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 26/2/2026

Preparing for the unexpected: protecting your income in illness

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