Sarah Siddons of Bowcliffe Wealth Management

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Sarah Siddons of Bowcliffe Wealth Management Working mainly with professionals and business owners, Sarah and her team encourage clients to take

A coffee and a little financial perspective. ☕There’s been plenty happening in the financial headlines recently, from mo...
20/10/2026

A coffee and a little financial perspective. ☕

There’s been plenty happening in the financial headlines recently, from movements in global markets to inflation and the upcoming Autumn Budget.

And while it’s always useful to know what’s going on, not every headline needs to change your financial plans.

For me, financial planning is about looking beyond the day-to-day news and focusing on what really matters to you - your goals, your family and the life you’d like to enjoy.

With the Budget approaching, it’s a good time to be aware of any announcements that could affect your finances, without jumping to conclusions before the details are confirmed.

If you’ve been meaning to review your plans or simply have a few questions, I’m always happy to have a chat over a coffee.

Sarah 💙

The long view. 💙It’s so easy to get caught up in what’s happening right now.But some of the most important financial con...
24/09/2026

The long view. 💙

It’s so easy to get caught up in what’s happening right now.

But some of the most important financial conversations aren’t really about today. They’re about the life you want to live, the people you want to look after, and what you’d like the years ahead to look like.

For me, good financial planning is about bringing all of those things together.

Life. Legacy. Future thinking. Living well.

Because ultimately, your money should support your life, not the other way around.

If you’ve been meaning to think a little more about your own long-term plans, perhaps this is your gentle nudge to start the conversation.

Sarah x

☕ The coffee’s on… and the meeting room is ready.Sometimes the best conversations start with a simple cup of coffee.Alwa...
18/09/2026

☕ The coffee’s on… and the meeting room is ready.

Sometimes the best conversations start with a simple cup of coffee.

Always happy to meet for a no pressure, no obligation and certainly no hard sell chat. Just a friendly conversation, a chance to ask questions, talk through what’s on your mind and see whether I can help.

Because you don’t need to have everything figured out before you walk through the door. That’s what the first conversation is for.

So, if you’ve been meaning to get in touch but haven’t quite known where to start, consider this your invitation.

Come in, have a coffee and let’s have a chat. I’m always happy to help. ☕💙

Imagine waking up one morning and suddenly being the person responsible for all the finances.The savings. The pension. T...
13/08/2026

Imagine waking up one morning and suddenly being the person responsible for all the finances.

The savings. The pension. The investments. The house.

Perhaps you’ve lost someone you love. Perhaps you’re going through a divorce. Or maybe you’ve received an inheritance you never expected.

Yesterday, these weren’t decisions you had to make alone. Today, they are.

I’ve spoken to women who’ve found themselves in exactly this position, and one of the biggest things I want them to know is this:

You don’t have to sort everything out today.

Put the kettle on. Take a moment. Give yourself time to understand what’s in front of you and ask all the questions you need to, even the ones you think you should already know the answer to.

Because financial confidence isn’t about suddenly becoming an expert.

It’s about gradually getting to the point where you can say, “Okay. I understand this. I know what my options are. And I know what I want to do next.”

Sometimes, that’s more than enough

02/08/2026

A Which? Money member asked us, 'How much money can I pass on without paying inheritance tax?'. See what our expert said.

01/07/2026

Have you heard about the great wealth transfer? 💰

Over half of wealth to be transferred by 2048 is predicted to be inherited by women, indicating a growing need for further representation within the financial advice profession.

At our St. James's Place Financial Adviser Academy, we've helped hundreds of women to become financial advisers, building their own businesses or joining practices to support clients.

But there's more to be done.

Find out how you can be part of the change: https://ow.ly/zb9h50ZhBAO

I love this quote because it gets to the heart of what financial planning is really about.For some, it’s being able to r...
30/06/2026

I love this quote because it gets to the heart of what financial planning is really about.

For some, it’s being able to retire comfortably. For others, it’s helping children onto the property ladder, travelling more, supporting loved ones, or simply feeling less worried about the future.

Whatever your goals look like, having a plan can help turn those ambitions into something achievable.

After all, it’s not just about the numbers, it’s about creating the life you want to live.

💙 Sarah

🍓🎾 A little taste of tennis season has arrived in our Ilkley window.We’ve given our display a seasonal refresh with stra...
03/06/2026

🍓🎾 A little taste of tennis season has arrived in our Ilkley window.

We’ve given our display a seasonal refresh with strawberries, tennis balls and a splash of summer colour to celebrate one of the biggest sporting events in the local calendar.

If you’re passing by, take a look and let us know what you think!

After divorce, what does the next chapter look like?There’s often a point where everything finally goes a little quieter...
22/05/2026

After divorce, what does the next chapter look like?

There’s often a point where everything finally goes a little quieter.

The paperwork is done.
The decisions have been made.
Life starts settling again.

And then comes the moment of:

Right… what now?

Because after spending months focused on getting through it all, there’s finally space to think about your future again.

And perhaps that’s what seizing the day really looks like at this stage.

Not big gestures or dramatic changes.

Just understanding your finances.
Rebuilding confidence.
Creating a plan that feels like yours.

The practical questions often follow:

• What does life look like financially now?
• Am I going to be okay long term?
• What do I want the next chapter to look like?

You don’t need all the answers immediately.

Sometimes moving forward starts with understanding where you stand and putting a plan around what comes next.

And sometimes, simply having a conversation can help bring a little more clarity. 💙

The new tax year has arrived.You glance at the headlines.A few percentages shift.Some allowances stay frozen.And then co...
17/04/2026

The new tax year has arrived.
You glance at the headlines.
A few percentages shift.
Some allowances stay frozen.

And then comes the question:

Is this actually going to affect me?

Because on paper, none of it feels dramatic.

But in reality…
Dividend tax has crept up.
Reliefs have been trimmed.
And new rules are starting to ask more of you.

Nothing alarming. Just… more friction.

The kind that adds up over time.

The questions I’m hearing more often are:

• Am I paying more tax than I need to?
• Are my investments still structured properly?
• Do I need to change how I take income?

Because tax rarely hits all at once — it builds quietly.

And without a plan, it’s easy to drift into something less efficient.

You don’t need to keep up with every change.
But it helps to have someone who is.

If you’re wondering what this new tax year means for you, feel free to reach out.
A first conversation is simply that... a conversation.

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