CFS Wealth Planning Limited

05/12/2025

Entrepreneurship has no age limit, but every stage comes with its own challenges. 🚀

Whether you’re starting out in your 20s or building on experience in your 50s, this article shares how age shapes your start-up journey and why a Head, Heart & Hand approach can help every founder grow with clarity, purpose, and balance: https://www.cfswp.co.uk/article/detail/sjpp/the-right-age-to-start-a-business.html

CFS Wealth Planning Limited 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 07/11/2025

04/12/2025

Chancellor Rachel Reeves has announced that the annual cash ISA allowance will fall from £20,000 to £12,000 from April 2027, encouraging savers to explore investment options.https://www.cfswp.co.uk/article/detail/sjpp/chancellor-cuts-cash-isa-limit-to-promote-investment.html

With these changes adding more complexity to financial planning, the value of professional financial advice has never been clearer. Get in touch today to see how these changes may affect your savings and investments.

The value of your investment can go down as well as up. You could get back less than you invested. Investments do not provide the security of capital which is characteristic of a Cash ISA.

Cash ISAs are not available through St. James's Place.

CFS Wealth Planning Limited 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 1/12/25

28/11/2025

Chancellor Rachel Reeves has announced an annual tax on high-value homes in England. From April 2028, properties worth £2 million or more could face charges ranging from £2,500 to £7,500 per year. https://www.cfswp.co.uk/article/detail/sjpp/mansion-tax-to-hit-homes-worth-two-million-or-more.h

If you think you may be affected by the mansion tax, it’s wise to start planning now so you’re not caught out in 2028. Get in touch.

CFS Wealth Planning Limited 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 28/11/25

Chancellor Rachel Reeves has announced a new tax on high-value homes in England, as part of her Autumn Budget. The annual levy, which will cost up to £7,500, will take effect from April 2028.

27/11/2025

The Chancellor has delivered her 2025 Budget. If you’re unsure what the changes could mean for your money, we're here to help.

CFS Wealth Planning Limited 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 25/11/2025

21/11/2025

Pension scams are on the rise, and even the most careful can be targeted.

Scammers use convincing language, fake credentials, and promises of high returns to lure people in. It’s never been more important to pause and check before making a big financial decision.

Learn how to recognise the warning signs and keep your financial future safe 👉 https://www.cfswp.co.uk/article/detail/sjpp/are-you-being-pension-scammed.html

CFS Wealth Management Limited 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 13/11/2025

Anyone can be the victim of a pension scam, no matter how financially savvy they think they are. Scammers are using ever more elaborate tricks To fool people so it's important to look out for the warning signs.We examine how to stay one step ahead of the scammers, and protect your financial security...

20/11/2025

In the latest WeekWatch; https://www.cfswp.co.uk/article/detail/sjpp/weekwatch-17-11-2025.html

It’s been a mixed week of economic ups and downs for markets and investors. In the UK, the unemployment rate rose to 5%, its highest level since Covid, according to figures from the Office for National Statistics.
Meanwhile third quarter economic growth (GDP) was anaemic. This was blamed in part on the six-week shutdown at Jaguar Land Rover which began in September and followed a cyber-attack.

Tax and spend? According to the independent Office for Budget Responsibility, the UK tax take is on track to reach its highest levels since records began. This is being fuelled by the hike in employer national insurance and the freeze in tax thresholds.

14/11/2025

Thinking of selling your business? Timing could make a big financial difference.

With tax changes on the horizon in April 2026, completing a sale before the deadline could result in significant savings.

📘 Explore how shifting your timeline might help you retain more from your exit:

https://www.cfswp.co.uk/article/detail/sjpp/timing-your-business-sale.html

Taxation rules can change at any time and are dependent on individual circumstances.

CFS Wealth Planning Limited 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 15/10/2025

13/11/2025

🏡 Can the next generation afford their future?

SJP’s Real Life Advice Report 2025, carried out by Opinium, reveals the growing concern over young people's financial futures and how ongoing advice is helping some families regain optimism.

Find out more here: https://www.cfswp.co.uk/article/detail/sjpp/will-my-child-ever-buy-a-home-or-be-able-to-retire.html

CFS Wealth Planning limited 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 22/10/2025

07/11/2025

Thinking about retiring in the sun? ☀️ Before you make the move, make sure you understand how living abroad could affect your retirement planning.

👉 Read SJP’s latest insights:https://www.cfswp.co.uk/article/detail/sjpp/taking-your-pension-while-living-abroad.html

CFS Wealth Planning Limited 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 03/11/2025

06/11/2025

Talking about money can feel awkward, but avoiding the conversation can cost us more than we realise.

This Talk Money Week 2025, let’s start the conversation, whether that’s with family, friends, or a financial adviser.

From building healthy money habits to preparing for intergenerational wealth transfer, open discussions lay the foundation for lasting financial wellbeing.

💡 Explore why talking about money matters: https://www.cfswp.co.uk/article/detail/sjpp/talk-money-week-2025-time-to-start-the-conversation-about-money.html

CFS Wealth Planning Limited 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 04/11/2025

31/10/2025

Are we living in a bubble? 🫧

Financial bubbles are nothing new, but their warning signs are often ignored until it’s too late. With current asset prices under scrutiny, could we be heading for another downturn?

📖 Read on to understand the causes of a bubble and why we keep getting caught in them: https://www.cfswp.co.uk/article/detail/sjpp/are-we-living-in-a-bubble.html

The value of your investment can go down as well as up. You could get back less than you invested.

CFS Wealth Planning Limited 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 14/10/2025

30/10/2025

📊 As the Autumn Budget approaches, speculation around potential tax changes is intensifying. In SJP’s latest update, they explore the key themes emerging and why a cautious outlook may be wise. Read more: https://www.cfswp.co.uk/article/detail/sjpp/budget-2025-beware-of-the-rumours.html