Mearns-Begley Wealth Management

Mearns-Begley Wealth Management Mearns-Begley Wealth Management is an Appointed Representative of and represents only St. SJP Approved 03/12/2024

James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

More of us are reaching our 100th birthdays than ever before. While a letter from the King may seem exciting, funding a ...
03/06/2026

More of us are reaching our 100th birthdays than ever before. While a letter from the King may seem exciting, funding a long and comfortable retirement requires careful planning.

This article explores what you need to consider to ensure your pension savings can stretch across 35 years or more: https://partnership.sjp.co.uk/article/detail/sjpp/living-to-age-100-how-to-make-your-pension-last-longer.html

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

Mearns-Begley 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 18/09/2025

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns i...
26/05/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings.

Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more: https://partnership.sjp.co.uk/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

Business partners rarely reach retirement at the same time.Different life stages, financial positions and personal goals...
13/05/2026

Business partners rarely reach retirement at the same time.

Different life stages, financial positions and personal goals can create a gap in when shareholders are ready to step away. Left unaddressed, this can lead to tension and difficult decisions.

Clarity is often the starting point – understanding what each person needs financially, and having open conversations early.

From staggered exits to internal buyouts or external investment, there are a range of ways to structure an outcome that works for everyone.

Planning ahead can make these transitions far smoother, for both the individuals involved and the future of the business.

Read more: https://partnership.sjp.co.uk/article/detail/sjpp/managing-different-retirement-timelines-among-shareholders.html

The Renters’ Rights Act came into force on 1 May 2026. It brought in new rules and requirements for private landlords in...
07/05/2026

The Renters’ Rights Act came into force on 1 May 2026. It brought in new rules and requirements for private landlords in England, including the banning of no-fault evictions and fixed term tenancies. There are also new regulations around increases to rent.

Landlords and letting agents must send all named tenants a copy of the government-produced Renters’ Rights Act Information Sheet 2026, either digitally or in the post, by 31 May 2026. Failure to comply could lead to a £7,000 fine.

Read our guide to ensure you don’t fall foul of the rules and end up with a penalty.

Read more: https://partnership.sjp.co.uk/article/detail/sjpp/renters-rights-act-what-landlords-need-to-know.html

Millions of UK savers are doing the right thing by putting money aside.But many are stopping one step short.Recent resea...
05/05/2026

Millions of UK savers are doing the right thing by putting money aside.

But many are stopping one step short.

Recent research highlights a clear pattern. Around 10 million people say they’re interested in investing, yet don’t take action. For many, it’s not about a lack of money. It’s uncertainty.

Investing can feel complex. It can feel unfamiliar. And for some, it still feels like something “other people” do.

What’s interesting is how much of a difference simple conversations can make. Nearly 40% of savers say they’d be more likely to invest after talking about it with someone they trust. Yet most people rarely discuss investing at all.

That gap between interest and action is where the opportunity lies.

Clear, relatable examples and everyday language can help make investing feel more accessible. Breaking long-term goals into smaller steps can also make the journey feel more manageable.

Ultimately, helping people feel more confident and comfortable is key to changing behaviours over time.

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

Trusts are becoming a more common part of estate planning – but they’re not always straightforward.They can offer a way ...
29/04/2026

Trusts are becoming a more common part of estate planning – but they’re not always straightforward.

They can offer a way to pass on wealth with greater control, while potentially helping to manage inheritance tax. This can be particularly relevant as rules evolve, including upcoming changes to how pensions are treated.

However, trusts come with their own set of rules, including potential tax charges and ongoing responsibilities. They’re not a one-size-fits-all solution, and how they’re structured can make a significant difference to the outcome.

For many, the key is understanding how a trust fits into the wider estate plan, rather than viewing it in isolation.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

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

Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, SJP break down seven of...
22/04/2026

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.

New Business 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

Salary or dividends – is the old formula still the most efficient?With dividend tax rates rising, allowances reduced and...
23/03/2026

Salary or dividends – is the old formula still the most efficient?

With dividend tax rates rising, allowances reduced and income tax thresholds frozen, the traditional “dividends first” approach is no longer automatically the most tax-efficient option for company directors.

The mix you choose doesn’t just affect this year’s tax bill. It can influence pension build-up, state benefit entitlement, mortgage affordability and long-term financial planning. In some cases, increasing salary may provide stronger long-term protection, even if the immediate tax saving appears lower.

As always, the right balance depends on individual circumstances and wider financial objectives.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Read more: https://partnership.sjp.co.uk/article/detail/sjpp/dividend-vs-salary-why-getting-it-wrong-can-hurt.html

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