Ebb and Flow Wealth Ltd

25/03/2026

Some TV fun with the internal SJP 'People and Perspectives' interviews chatting about My career and how my Atlantic row changed my perspective in life and work.

02/03/2026

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

Ebb and Flow Wealth 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 26/2/2026

23/02/2026

As the tax year-end approaches, it’s a good time to take a step back and check in on your finances. One simple habit that can make a real difference? Proactive tax planning.

Tax planning isn’t just a once-a-year task. Making it part of your routine pays off, and if you’d like to explore your options, I’m here to help. https://partnership.sjp.co.uk/partner/ebbandflowwealth

It’s all about building good financial habits, one step at a time.

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

Ebb and Flow Wealth 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 14/10/2025

02/02/2026

As the tax year-end approaches, it’s a good time to take a step back and check in on your finances. One simple habit that can make a real difference? Proactive tax planning.
Tax planning isn’t just a once-a-year task. Making it part of your routine pays off, and if you’d like to explore your options, I’m here to help. 💬https://partnership.sjp.co.uk/partner/ebbandflowwealth
It’s all about building good financial habits, one step at a time.
Taxation rules can change at any time and are dependent on individual circumstances.

Ebb and Flow Wealth 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 14/10/2025

30/01/2026

🌐 Global markets ended 2025 on a positive note, despite ongoing volatility and big questions around tech dominance.

Read how these risks played out and what they could mean for investors as we head into 2026: [insert Partner insights link]

Past performance is not indicative of future performance. The value of your investment can go down as well as up. You could get back less than you invested.

Ebb and Flow Wealth 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 27/1/2026

26/01/2026

💔Breaking up with bad financial habits can set you up for a better future. Here’s some habits to start changing:

🛍️Impulse purchases – clever marketing tactics can make us buy things we didn’t set out to purchase, and if you’re impulse buying regularly this will soon add up. Break the habit by writing a list, sticking to it and resisting temptation of discounts or offers.

🚫Not sticking to a budget… or not even having one! A budget will help you plan your spending on regular expenses, including your saving or other needs/goals. Break the habit by finding a budgeting plan that is realistic and works for you. Keep track by using a spreadsheet, notebook, or online banking app.

💀Neglecting your savings – saving might not be your priority right now, and that’s okay, but the longer you leave it, the less time you have for your money to grow. Break the habit by contributing little and often. Set up an automatic transfer if you need to!

🚗Letting your insurance policies and subscriptions renew unchecked – providers don’t always make it obvious that a better offer is available to you. Have another look at subscription plans or insurance policy quotes to re-evaluate the best option for you.

😖Putting off things that are more complex to you – The UK has a complicated tax system, so it’s okay not to understand all of it. But try to understand taxes that apply to you so that your money works more tax-efficiently. Consider speaking to a financial adviser to guide you through this.

🛣️Not having a financial plan based on your goals – it’s good to have direction, and even better to have a route to get there. Work out what your goals are, when you want to achieve them by, and how much money that will take. Then build a plan, bespoke to you and your circumstances, to get there.

Ebb and Flow 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 21/1/2026

19/01/2026

Much needed holiday - 8 day sail to Cape Verde (1000 miles) and a trip into the rain forest!

19/01/2026

Valentine’s Day is all about appreciating the meaningful relationships in our lives - and in this profession, I have a lot to be grateful for.
So, here’s 3 things I love about being a financial adviser:

1️⃣ My clients
Every conversation, every goal, every milestone - I’m honoured to be part of the journey
and trusted with something as personal as your financial future.

2️⃣ Changing lives
Seeing a plan turn into real possibilities like buying a first home or retiring with confidence,
never gets old.

3️⃣ Lifting a burden
Money can be stressful. Helping people replace worry with clarity and peace of mind is
one of the most rewarding parts of what I do.

What do you love about what you do? Let me know in the comments 👇

Ebb and Flow Wealth 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 15/1/2026

14/01/2026

A new year is the perfect time for a tax check-up. From ISA allowances to pension contributions, discover the key tax considerations for 2026: https://partnership.sjp.co.uk/article/detail/sjpp/top-tax-tips-for-the-year-ahead.html
The value of your investment can go down as well as up. You could get back less than you invested.
Taxation rules can change at any time and are dependent on individual circumstances.

Ebb and Flow Wealth 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 6/1/2026

14/01/2026

After ending 2025 close to a record high and opening 2026 on a strong note, the UK stock market is back in the spotlight.



The FTSE 100 rose dramatically last year – its best performance since 2009 – and became one of the top-performing major global markets. With investors now valuing its resilience, attractive pricing and income potential, UK shares are enjoying renewed confidence.



But with geopolitical uncertainty on the horizon, can this momentum continue?



This article explores what’s behind the resurgence and what it could mean for long-term investors: https://partnership.sjp.co.uk/article/detail/sjpp/is-the-uk-stock-market-striking-back.html

Past performance is not indicative of future performance. The value of your investment can go down as well as up. You could get back less than you invested. Please note it is not possible to invest directly into an Index.

Ebb and Flow Wealth 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 13/1/2026

10/12/2025

Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, SJP break down seven of the most common misconceptions - which could help you rethink how to maximise your retirement savings: https://partnership.sjp.co.uk/article/detail/sjpp/seven-pension-myths-busted.html

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

Ebb and Flow Wealth 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 17/09/2025

Seven pension myths busted: What savers often overlook about their retirement pot

27/11/2025

The Autumn Budget brings big updates.



Following the Chancellor’s Autumn Budget, here are some of the key changes to be aware of. Unsure what this means for you? Get in touch for 1-2-1 support.



📨 [email protected]

📲 07803 808897


Ebb and Flow Wealth 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 27/11/2025