Ferndown Financial Planning

03/09/2026

Caring for a loved one as they age is an act of love - but it also comes with big decisions and complex challenges.

Balancing emotions, responsibilities, and planning for the future isn’t easy. That’s why the right guidance can make all the difference.

You don’t have to navigate this alone. Let’s find the best path forward - together. Talk to me today www.ferndownfinancial.co.uk

FERNDOWN FINANCIAL PLANNING 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) 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 3/9/2026

02/09/2026

What is a Unit Trust?

A Unit Trust is a portfolio of financial assets that are managed by a professional fund manager.

These assets could include stocks, property, and bonds. It is a medium to long term investment for growth and income.

FERNDOWN FINANCIAL PLANNING 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: 16/7/2026

01/09/2026

Could your pension increase your inheritance tax (IHT) bill? From April 2027, most unused pension funds will be included in estates when calculating IHT.

For some families and individuals, having unspent pension funds could significantly increase the value of their estate for IHT purposes.

Will these changes affect you? It’s worth taking some time to understand your position, plan and act.

Read more in here: https://partnership.sjp.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

FERNDOWN FINANCIAL PLANNING 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 20/08/2026

How pension changes could affect your inheritance tax plans

28/08/2026

If money worries are affecting your peace of mind, you're not alone.

Whether concerns relate to cash flow, debt or long-term financial security, it's easy to feel stuck or unsure where to start.

This article looks at how breaking problems into manageable steps, talking things through and seeking support can help create clarity and build confidence: https://partnership.sjp.co.uk/article/detail/sjpp/finding-control-when-money-feels-overwhelming.html

Ferndown Financial Planning 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 20/08/2026

Finding control when money feels overwhelming

26/08/2026

💼💰 Your income is vital for supporting yourself and your loved ones.
But what if illness or injury suddenly prevents you from working? 🤒🤕
I can help you find the right Income Protection cover to fit your family's needs and budget. Let's protect what matters most. 👨‍👩‍👧‍👦❤️
Get cover today so you can enjoy life now, knowing your loved ones are protected for tomorrow. 🏡☀️
Ready to discuss your options? I'm here when you are. 📞💬

FERNDOWN FINANCIAL PLANNING 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) 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 17/06/2026

24/08/2026

For many business owners, a large proportion of family wealth is tied up in their business.

That makes succession planning one of the more important financial and strategic decisions they’ll have to make.

Read more about the importance of planning and getting advice: https://partnership.sjp.co.uk/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession.html

FERNDOWN FINANCIAL PLANNING 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 20/08/2026

Keeping it in the family: planning ahead for business succession

19/08/2026

What happens if you die without a Will in the UK?

If you die without a Will, the rules of intestacy determine who inherits your estate. For unmarried couples, stepfamilies and cohabiting partners, the outcome may not be what you expected.

This article explains the risks of dying without a Will: https://partnership.sjp.co.uk/article/detail/sjpp/where-theres-a-will-theres-a-say.html

Will writing involves the referral to a service which is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.

FERNDOWN FINANCIAL PLANNINGis 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 17/08/2026

Where there's a Will, there's a say

18/08/2026

On behalf of Ferndown Financial Planning I’ve spent the morning at Kings Park Care Home - Barchester Healthcare at the Ferndown Ladies Who Latte networking event. If you’re looking to make some local business connections and develop good relations with other ladies to help each other’s business grow then I would definitely recommend popping along. Lovely surroundings a great positive atmosphere with lots of good ideas of how we can help each other and a coffee and croissant thrown in, what’s not to love! ❤️
We meet the third Tuesday morning of every month and new members are welcome!

17/08/2026

17/08/2026

What is a Bond?

This is the debt of a company or government and acts like an “I owe you”.

An investor who buys a bond is in essence lending money to that institution in return for repayment on a specific date, plus regular interest payments. Also known as fixed income.

FERNDOWN FINANCIAL PLANNING 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: 16/7/2026