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As temperatures begin to drop, the question of turning the heating on is popping up in all our minds. But with Ofgem all...
26/10/2026

As temperatures begin to drop, the question of turning the heating on is popping up in all our minds. But with Ofgem allowing a 4% increase of the energy price cap for the period covering 1 October to 31 December 2026, the costs of heating the house are becoming an ever growing issue.

According to the MetOffice, the recommended time to turn on the heating is when temperatures drop below 15 degrees celsius, which is about this time of year. Managing the rising costs of staying warm can be a source of anxiety, but it doesn’t have to be. How are you all staying warm this winter?

Sources: https://www.ofgem.gov.uk/press-release/energy-price-cap-will-rise-4-october-2026
https://www.metoffice.gov.uk/research/climate/maps-and-data/uk-climate-averages

What is an Asset class?An asset class is a grouping of assets, such as equities, bonds, and property, that share charact...
02/10/2026

What is an Asset class?

An asset class is a grouping of assets, such as equities, bonds, and property, that share characteristics.

Challoner Wealth Management Ltd 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: 30/1/2026

What is Equity?Equity is the term for a share of ownership in a company, also known as a stock, which is listed and trad...
25/09/2026

What is Equity?

Equity is the term for a share of ownership in a company, also known as a stock, which is listed and traded openly on a stock exchange.

Challoner Wealth Management Ltd 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: 30/1/2026



Congrats to the new students starting university this week, and congrats to the parents for helping them get there!Helpi...
23/09/2026

Congrats to the new students starting university this week, and congrats to the parents for helping them get there!
Helping your child manage finances on their own for the first time can be scary for both child and parent, but with the number of people attending university in recent decades increasing from 984,000 in 1992 to 1.87 million in 2016, it is becoming increasingly common financial area to navigate. As a mother myself, I understand the potential stress that comes from this. But money doesn’t have to be scary, and neither does managing it.

Source: Office for National Statistics, Data and Analysis from Census 2021, How Has The Student Population Changed? https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/livebirths/articles/howhasthestudentpopulationchanged/2016-09-20

Inheritance Tax planning isn't only about how much tax might be due. There’s another question worth considering:**Will y...
22/09/2026

Inheritance Tax planning isn't only about how much tax might be due. There’s another question worth considering:

**Will your family have access to the money to pay it when it's needed?**

Inheritance Tax (IHT) is generally due by the end of the sixth month after someone dies. This can create practical challenges where much of an estate is tied up in assets such as property and cannot easily be accessed or sold.

Changes from April 2027, when most unused pension funds are due to be included when calculating the value of an estate for IHT purposes, could make this an important consideration for more families.

One option that may form part of an estate plan is whole of life assurance.

A whole of life policy provides a guaranteed lump sum on death, provided the policy remains in force and the required premiums have been paid. When appropriately written in trust, the proceeds will usually sit outside the estate for IHT purposes and can generally be accessed without waiting for probate.

This could provide beneficiaries with funds that can be used towards an IHT liability without necessarily having to sell other assets or borrow money at what may already be a difficult time.

However, whole of life assurance isn't suitable for everyone. Premiums are normally payable for life and the cost can vary significantly depending on factors such as age, health and the level of cover required.

Whether it is appropriate will depend on your individual circumstances and should be considered as part of your wider estate and financial planning.

If you'd like to understand the options available when planning for Inheritance Tax, we're here to help.

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

Trusts are not regulated by the Financial Conduct Authority.

This content is for information only and does not constitute financial or legal advice.

Read more: https://www.jennymoloney.co.uk/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape

Happy International Day of Peace! This year’s theme is Invest in Peace - For Everyone, Everywhere, Every Day. This year ...
21/09/2026

Happy International Day of Peace!

This year’s theme is Invest in Peace - For Everyone, Everywhere, Every Day. This year is about focusing on local peace makers in your community, honouring the everyday hero. It is a reminder to take a deep breath, remind yourself of where you are and what you are doing, and breathe out. In today’s busy world, it can be difficult to make space for peace, especially with the cost of living crisis affecting rising energy bills as we head into winter. Financial stress can be a breaker of peace in your life, but it doesn’t have to be.

Once again Happy International Day of Peace ☮️

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritanc...
31/08/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider.

Read more: https://www.jennymoloney.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans

There are early signs of change in how younger women are engaging with financial planning.St. James’s Place’s Women and ...
29/08/2026

There are early signs of change in how younger women are engaging with financial planning.

St. James’s Place’s Women and Wealth report, carried out by Opinium, shows that 44% of women aged 18–34 have a financial plan in place, compared with lower levels among older age groups.

The findings suggest a shift in engagement that may develop over time, although the overall picture remains mixed. Read the full report: https://www.sjp.co.uk/individuals/how-can-we-help/tools-information/financial-health-report

On behalf of St. James’s Place, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. The data is weighted to be representative of the UK adult population.

Challoner Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (authorised and regulated by the Financial Conduct Authority).

SJP Approved 22/06/2026

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 i...
28/08/2026

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.

Challoner Wealth Management Ltd 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: 30/1/2026

What is Compounding?Compounding involves reinvesting the income earned from your investment so your original amount grow...
07/08/2026

What is Compounding?

Compounding involves reinvesting the income earned from your investment so your original amount grows and potentially generates additional earnings over time.

Challoner Wealth Management Ltd 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: 30/1/2026

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York House, 23 Kingsway
London
WC2B6UJ

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Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 3pm

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