Erin Rose Financial

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Erin Rose Financial

Empowering individuals and businesses to take control of their financial future. Bespoke Financial Planning advice.

26/03/2026

Is this true?

25/03/2026

Have you made use of your available allowances this tax year?

Erin Rose Financial 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 25/03/2026

24/03/2026

For all business owners. Something to think about.

Erin Rose Financial 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 17/03/2026

20/03/2026

How has your 2026 started financially?

Erin Rose Financial 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 17/03/2026

19/03/2026

Just getting started 🙋🏼‍♀️

18/03/2026

Are you a business owner?
Do you have a pension?

Erin Rose Financial an Appointed Representative of and represents only St. James’s Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority). The `St. James’s Place Partnership’ and the titles `Partner’ and Partner Practice are marketing terms used to describe St. James’s Place representatives.

SJP Approved 17/03/2026

07/03/2026

On average, women retire with a pension pot around a third smaller than men’s. 😳

Not because women save less — but because of lower earnings, career breaks, and caring roles.

It’s a quiet gap that grows slowly. However there are few small changes can help close the gap when you have a good plan in place.

05/03/2026

📑Employed ➡ Self-employed 📑

I've had a few conversations this week about going self-employed and how to tackle the personal admin side of it so thought it would be helpful to re-share this post🙂

A good first tip for going from employed to self-employed is to set up a business bank account. Especially if you are a sole trader it can be easy to get into bad habits with your business income and your personal outgoings. I usually recommend people have 3 personal outgoings from their business which includes their ‘salary’– how much you are going to pay yourself, money you are saving for your tax bill and your pension contribution – and try to set up all of these payments to come out on a monthly basis.

If you are new to running your business you could just save your pension contribution in another cash account initially until you have a better idea of your business profitability and how much you can afford to put away for the long term. Don’t leave it for 5 or 10 years though!

(if you are a ltd company – leave it in the company as it is more tax efficient to pay it directly into a pension).

Once you are up and running you can adjust these payments as suits. You will be better able to keep control of your personal spending and see where there is opportunity for the business to spend money which you have built up from profits, which could allow you to grow the business further.

04/03/2026

Hi everyone! When I chat to clients who are going through divorce, particularly female clients, they often underestimate how they have contributed to the families financial position.

It is easy to see they might have taken a step back in their working career to be the main person looking after a young family.

This is why it is so important to always include pensions in financial split calculations. Not always, but often, females have the smaller pension and are due a share of their ex-husbands pension.

03/03/2026

If you're inheriting a pension alongside other beneficiaries, you can each make different choices about how to receive your share. One person might prefer a lump sum whilst another opts for regular income - flexibility is built into the structure, which can work well for different family situations.

It is important to make sure you have the beneficiaries named on the pension as this can impact how an inherited pension can be paid out.

18/02/2026

A good first tip for going from employed to self-employed is to set up a business bank account. Especially if you are a sole trader it can be easy to get into bad habits with your business income and your personal outgoings. I usually recommend people have 3 personal outgoings from their business which includes their ‘salary’– how much you are going to pay yourself, money you are saving for your tax bill and your pension contribution – and try to set up all of these payments to come out on a monthly basis.

If you are new to running your business you could just save your pension contribution in another cash account initially until you have a better idea of your business profitability and how much you can afford to put away for the long term. Don’t leave it for 5 or 10 years though!

(if you are a ltd company – leave it in the company as it is more tax efficient to pay it directly into a pension).

Once you are up and running you can adjust these payments as suits. You will be better able to keep control of your personal spending and see where there is opportunity for the business to spend money which you have built up from profits, which could allow you to grow the business further.

Address

Edinburgh

Website

http://www.erinrosefinancial.co.uk/

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