Lynsey Murray - Financial Adviser

22/07/2026

Expert advice and exceptional support.
Thank you to Robert for his kind words about Lynsey.

Providing trusted guidance and building strong client
relationships is at the heart of everything we do.

Regency Wealth Management is an Appointed Representative of and represents only St. James's Place
Wealth Management pls (which is authorised and regulated by the Financial Conduct Authority). Regency
Wealth Management is a trading name of Regency Wealth Ltd.

SJP Approved 03/07/2026

17/07/2026

It’s natural to hope for the best. But it’s also a good idea to have a back up plan.

Protection insurance can help provide financial support if illness or unexpected events affect your ability to work.

Explore how it works and why it can bring peace of mind: https://partnership.sjp.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.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 30/6/2026

What is protection and why do I need it?

15/07/2026

Everyone faces challenges at different points in life.



Periods of vulnerability can be short or long term, and may arise from a wide range of situations.



What matters is having access to the right support when it’s needed.



This article explores how planning ahead and asking for help can make difficult times feel more manageable: https://partnership.sjp.co.uk/article/detail/sjpp/vulnerability-isnt-a-label-its-part-of-life.html

Vulnerability isn't a label: it's part of life

13/07/2026

With most pensions set to fall within inheritance tax rules, many people are rethinking how
and when to use their retirement savings.

While annuities can provide guaranteed income and may support estate planning by
reducing pension wealth over time, they’re not without trade-offs.

Read on to explore why demand is growing, the key risks to consider, and how annuities
can fit within your broader retirement strategy.

🔗 https://www.sjp.co.uk/individuals/news/the-taxable-benefits-of-buying-an-annuity

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 02/07/2026.

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people think about retirement planning, with more turning once again to annuities. For many years annuities have been firmly out of fashion. This followed the introduction of pension fre...

29/06/2026

New data shows that the income needed for different standards of living in retirement has risen significantly, while relatively few people are on track to achieve them.

Explore what’s behind the increase and why understanding long term savings remains an important part of financial planning.

🔗 https://partnership.sjp.co.uk/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving.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 12/6/2026

Pensions UK Report: Figures paint dire picture of nation’s saving

26/06/2026

Proposed changes could reshape financial rights for unmarried couples.

A new government consultation is exploring whether qualifying cohabiting couples should have similar rights to married partners in areas such as inheritance, property and pensions.



This article outlines the key proposals and what couples may want to be aware of as the consultation progresses.



🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/proposed-rule-changes-could-boost-financial-security-for-cohabiting-couples.html

Proposed rule changes could boost financial security for cohabiting couples

25/06/2026

10 years on from the Brexit referendum, what material impact has leaving the EU had on UK trade, the pound, the stock market and personal wealth?

To shed light on this, SJP have a range of charts to give you the tools to judge for yourself: https://partnership.sjp.co.uk/article/detail/sjpp/brexit-a-decade-in-charts-how-has-the-uk-fared.html

Brexit - A decade in charts - how has the UK fared?

24/06/2026

Women are more likely than men to say they are worse off financially than a year ago, according to the latest Financial Health Report 2026: Women and Wealth. Women are earning, inheriting, and controlling more wealth than ever before, but this greater financial power is not yet translating into improved confidence or resilience.

Despite this, the findings of the report, carried out by Opinium, show a shift among younger women. Those aged 18-34 are investing in higher numbers and are more likely to have a financial plan.

Read more about the findings in this article: https://partnership.sjp.co.uk/article/detail/sjpp/women-and-wealth-report-divide-in-short-and-long-term-financial-focus.html

Regency Wealth Management Limited 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 23/6/2026

Women and Wealth Report: Divide between managing money today and planning for tomorrow

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

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

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