Harry Gyngell FA

04/11/2025

Without a plan your money just sits there doing nothing. Let’s give it some expertise to kick it into action.

Visit my profile to find out how I can help: https://www.quilter.com/harry-gyngell

Capital at risk. You might get back less than you invested.

Approver Quilter Financial Services Limited. October 2025.

28/01/2025

Great day out last week to present our business plans for the year. Pleased to be named the winner!

31/10/2024

The budget announcement made yesterday introduced several major changes, including increases in National Insurance contributions as well as adjustments to Capital Gains and inheritance tax.

Here’s a summary of the key points that might impact you:

National Insurance Contributions:
- The government will increase employers’ National Insurance by 1.2 percentage points to 15% and will decrease the threshold from £9,100 to £5,000, with the goal of generating an additional £25 billion annually.

Capital Gains Tax:
- The lower Capital Gains Tax rate will be raised from 10% to 18%, while the higher rate will increase from 20% to 24%, thereby maintaining the UK’s position as having the lowest rate within the European G7.

Inheritance Tax:
- The freeze on the inheritance tax threshold has been extended until 2030, and starting in April 2027, pensions inherited will also be subject to inheritance tax.

School Fees:
- Beginning in January 2025, VAT will be applied to private school fees to support enhancements in state education.

Non-Domiciles in the UK:
- Effective from April 2025, the domicile status will be abolished, paving the way for a residence-based tax system designed to attract global talent and investment.

State Pension:
- The State Pension will increase by up to £470 in 2025-26, maintaining the Triple Lock and remaining non-means-tested.

16/09/2024

Thanks to Ninety One for hosting another very insightful event last week.

Alongside Robeco and GMO, they provided incredibly useful insights into their current strategies and how they are positioning themselves in what could be a volatile few months in the market.

14/08/2024

Dreaming of retiring early? Join my exclusive webinar on August 28th at 8pm.

Discover 5 practical ways to work towards an early retirement. Learn about the cost of a comfortable retirement, how to effectively review your current pension pots, the government allowances that can help, and the ins and outs of private and state pensions.

Don’t miss out on this opportunity to start planning for your ideal retirement. You can register through the link below:

https://app.livestorm.co/kwm-wealth/5-practical-ways-to-retire-early

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

KWM Wealth 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).

Dreaming of an early retirement?KWM Adviser, Harry Gyngell, who specialises in retirement and pensions, is leading a webinar on 5 practical ways to retire early.Pensions are not talked about enough...

09/08/2024

Keeping more than 3-6 months of fixed expenses in cash is an easy mistake to make. Could your excess funds be better used elsewhere?

02/08/2024

It’s never nice thinking about the worst case scenario, but having a plan in place for it, should the worst happen, can make a big difference to your family.

One option is exploring life cover, which pays out on death or a critical diagnosis.

To give you an idea of how valuable these can be, Vitality, an insurance partner, paid out £83.5 million in life cover claims last year.

This is one of the many options I explore with clients depending on their unique situations.

Vitality experience analysis, Vitality, 2024

23/07/2024

https://www.kwmwealth.co.uk/archives/8645

Thinking of selling your second property? Cashing in a share portfolio?

The answer to reducing the tax bill may be closer to home than you think..

Responsible Investing and financial planning to inspire your financial future

16/07/2024

https://www.sjp.co.uk/individuals/news/investment-impact-of-labours-win

A new Government means new Monetary and Fiscal policies coming into play later this year.

The King’s Speech tomorrow will set out Labour's proposals for new laws as well as the new Government’s policy priorities.

Take a look at how we expect the different markets to react over the coming weeks:

The confirmation of a decisive Labour majority win is likely to be initially taken positively by markets. In this article, experts at SJP outline their thoughts on the short-term impact of the UK election.

16/07/2024

KWM Wealth Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management pic (which is authorised and regulated by the Financial Conduct Authority). The title 'Partner Practice' is the marketing term used to describe St. James's Place representatives.