Lynsey Murray - Financial Adviser

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Lynsey Murray - Financial Adviser

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Wealth Management Consultant

20/10/2026

Could a capital gains tax bill catch you by surprise?

With the annual CGT exemption now significantly lower than it was just a few years ago, more people are finding themselves facing unexpected tax liabilities when selling or gifting assets.

Read on to learn more about:

✔ Why surprise CGT bills are becoming more common
✔ What to do if you get a bill unexpectedly
✔ Simple steps to help avoid unexpected costs in future

🔗 https://partnership.sjp.co.uk/article/detail/sjpp/the-capital-gains-tax-surprises-that-catch-people-out.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 14/09/26

The capital gains tax surprises that catch people out

19/10/2026

When it comes to Inheritance Tax, timing can be just as important as planning.

With most unused pensions set to be included in many estates for inheritance tax purposes from April 2027, it’s more important than ever to be prepared.

Read the latest St. James’s article about how whole of life assurance could help provide certainty and financial support for loved ones when it matters most.

🔗 https://partnership.sjp.co.uk/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape.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 18/09/2026

Whole of life assurance: the quiet solution to the IHT landscape

16/10/2026

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential changes to pensions through to support for first-time buyers.

Explore some of the proposals currently making the news and why staying focused on your long-term financial goals is often the most effective approach.

🔗 https://partnership.sjp.co.uk/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

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 06/10/2026

Autumn Budget 2026 – with a month to go, what lies ahead?

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

Address

173
Dewsbury
WF120HA

Telephone

+447403240813

Website

http://andrewmurraywm.co.uk/

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