Twelve Wealth Management

Twelve Wealth Management We look to establish strong, long lasting relationships with individuals/businesses based on trust and honesty.

We do our upmost to ensure that clients meet their financial goals and aspirations in a tax efficient manner.

Longstanding financial advice relationships build stronger financial futures, offer support at major life moments and im...
12/11/2024

Longstanding financial advice relationships build stronger financial futures, offer support at major life moments and improve quality of life.

Ongoing financial advice has helped more than one in 10 of us with major life goals or moments, such as getting on the property ladder (13%) or navigating difficult periods like divorce or bereavement (13%). Others have been able to pass on money to their children or loved ones (19%).

Of those currently receiving advice, three-quarters said they would recommend it to family and friends. That figure rises to 86% of those in the older age group.



Chapter 3 of SJP's Real Life Advice Report conducted by Opinium on our behalf.1 The Advice Relationship confirms that consumers value a trusted, longstanding relationship with their adviser above all else.

After a close fought race, Donald Trump has become the 47th President of the . Looking at Trump’s campaign promises, as...
06/11/2024

After a close fought race, Donald Trump has become the 47th President of the . Looking at Trump’s campaign promises, as well as his actions during his last in 2017, expectations are for reduced regulations across the board.

Additionally, expectations are he will focus on immigration and a greater use of tariffs in international trade. How this will play out and be received by remains uncertain. It is important to avoid a knee jerk or emotional response after such a divisive election.



After a close fought race, Donald Trump is poised to become the 47th President of the United States. Looking at Trump’s campaign promises, as well as his actions during his last presidency in 2017, expectations are for reduced regulations across the board. Additionally, expectations are he will fo...

Rachel Reeves has delivered her first Budget as Chancellor, and the first in 14 years. It brings some clarity and cert...
01/11/2024

Rachel Reeves has delivered her first Budget as Chancellor, and the first in 14 years. It brings some clarity and certainty following many weeks of speculation. The has had to balance a challenging situation with a plan to invest for the future and for growth.

The has increased taxes by a record £40bn and increased borrowing to £127bn for this . Alongside the headline changes to minimum wage, fuel duty and increased spending for public services there were several changes that may affect you.



Rachel Reeves has delivered her first Budget as Chancellor, and the first Labour Budget in 14 years.  It brings some clarity and certainty following many weeks of speculation. The Government has had to balance a challenging fiscal situation with a plan to invest for the future and for growth.

Financial advice can be invaluable in helping us achieve our goals and come through challenges. What prompts people to s...
24/10/2024

Financial advice can be invaluable in helping us achieve our goals and come through challenges. What prompts people to seek financial advice or guidance, and when?

Key Findings
48% seek financial advice to help them with a key milestone or life event.
18% of those surveyed sought financial advice due to the cost-of-living crisis, rising to 24% of 18-34 year-olds.
12% said a change in job status had triggered a need for financial advice or guidance.
27% sought advice when their savings and investments had grown to a point where they thought they should.

Find out more about the key ‘drivers’ that trigger people to get advice.



A major life event or milestone – such as marriage, home ownership, reaching a certain age or change in employment status – is the main reason why people seek financial advice, according to the second chapter of the Real Life Advice Report, St. James's Place’s largest consumer survey to date. ...

Financially, it’s been a difficult few years for households, across all income brackets. As a result, many families focu...
02/10/2024

Financially, it’s been a difficult few years for households, across all income brackets. As a result, many families focused down on day to day costs, at the expense of longer term investing and saving.

Now, the is widely reported to have its sights on raising certain too, particularly those that protect personal , and affect our longer-term planning.

You might think that can’t do much to help. But it’s during the hard times that expert can really come into its own. Both for your peace of mind, and your family’s .

Here, we explain how financial planning and expert advice can help you protect your short- and long-term financial security.

Financially, it’s been a difficult few years for households, across all income brackets. As a result, many families focused down on day to day costs, at the expense of longer term investing and pension saving. Now, the government is widely reported to have its sights on raising certain taxes too, ...

Mental , better financial and improved quality of life are the three of taking professional or broader financial ...
26/09/2024

Mental , better financial and improved quality of life are the three of taking professional or broader financial guidance, a new study by St. James's Place (SJP) reveals.

84% say they have benefitted mentally or emotionally as a direct result of taking financial advice. This increases to 92% for those who receive ongoing advice. 25% of respondents reported feeling less vulnerable, stressed or worried.

The - our largest consumer survey to date - contains real-life stories and the results from just under 12,000 respondents exploring the of financial advice, our attitudes surrounding it, and its future. Both those who use financial advice, and those who don’t, were included in this extensive research.

The findings clearly show that financial advice can – and does – transform lives. But the report also highlights the perceived that hold back more than half the population from seeking .

SJP's largest consumer survey, the Real Life Advice Report carried out by Opinium, examines the UK population's relationship with financial advice.

A lot of small businesses insure their premises, equipment and machinery. But strangely, they often don’t against the ...
17/09/2024

A lot of small businesses insure their premises, equipment and machinery. But strangely, they often don’t against the more important risk of key individuals dying or having serious health problems. Key person addresses this critical issue by paying a cash sum if that happens.

Getting on the right cover at the right price, and on tax considerations, can help to ensure continued .



SJP Approved 23/07/2024

A lot of small businesses insure their premises, equipment and machinery. But strangely, they often don’t protect against the more important risk of key individuals dying or having serious health problems. Key person insurance addresses this critical issue by paying a cash sum if that happens.

When we talk about and , we generally think of them as the two main ways to set money aside for the . It can be easy...
28/08/2024

When we talk about and , we generally think of them as the two main ways to set money aside for the . It can be easy to confuse them as one and the same thing – or think that you should opt for one or the other.

Creating the right balance between saving and investing is the heart of a well-balanced . We’re here to help you work out the right mix for you so you can achieve your .



When we talk about saving and investing, we generally think of them as the two main ways to set money aside for the future. It can be easy to confuse them as one and the same thing – or think that you should opt for one or the other.

Securing and growing revenue is not enough to build your start-up – good financial management involves positive cash f...
22/08/2024

Securing and growing revenue is not enough to build your start-up – good financial management involves positive cash flow. is important to make sure you have enough to pay your bills and operate the .

Keep a close handle on your personal while building your start-up business. your income and savings, clear forecasting and disciplined all help you keep a clear separation between personal and business finances during this critical period.



SJP Approved 22/07/2024

After your early-stage business has made some sales, it’s tempting to look at your bank balance and think you’re in a great position. However, even with healthy customer numbers and revenue, in a small and growing enterprise, things can get bumpy quickly if you don’t implement sound financial ...

For elite sports stars, a serious injury or can throw your career – and your finances – into . By taking the right st...
15/08/2024

For elite sports stars, a serious injury or can throw your career – and your finances – into . By taking the right steps today, you can make sure your plans withstand an unexpected setback.

Having a good understanding of your , including what your financial are and what you need to do to reach them, is an important starting point. Protection against an or illness impacting your earnings is also a good idea.

We can support you by helping you create and evolve your and put in place the right to secure your future.



SJP Approved 24/07/2024

You may be at your professional peak, or heading towards it, with all the success and financial rewards that come with it – and then, suddenly, one bad tackle, twisted limb or serious diagnosis can set you on a completely different path.

We now have more choices, more information and more personal accountability for our retirement income. But will the futu...
07/08/2024

We now have more choices, more information and more personal accountability for our retirement income. But will the future we look forward to be one we can afford?

The , launched by the (PLSA), helps provide a benchmark for three different standards of living: minimum, moderate and comfortable.

If you’re planning your retirement , these living standards are a practical starting point for anyone unsure about whether they need to save more for their .

Whether you’ve got 20 years before you retire or just a few, it’s important to have an idea of just how much you’ll need for a lifestyle once you stop earning a regular .



SJP Approved 05/07/2024

Whether you’ve got 20 years before you retire or just a few, it’s important to have an idea of just how much money you’ll need for a comfortable lifestyle once you stop earning a regular salary.

Many more of us people are living to 100, and we may need social care for years – making a big dent in our savings and t...
23/07/2024

Many more of us people are living to 100, and we may need social care for years – making a big dent in our savings and the we may leave.

With careful forward planning, you can mitigate the impact that care fees can have on your inheritance. Financial can help you to plan ahead to cover your social care costs and leave money to younger .

To find out more about family-based later-life planning, speak to us.



SJP Approved 04/06/2024

Many of us find it hard to think about ourselves or our parents needing help as we get older, and when we do start to think about it - perhaps in our 50s or 60s, the cost implications can make us wince.

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WC2B6UJ

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