Gritstone Financial Planning Limited

Gritstone Financial Planning Limited Gritstone Financial Planning Limited is an Appointed Representative of and represents only St.

12/02/2026

The end of the tax year is an important opportunity to review your estate and ensure your wealth is structured tax-efficiently for the people you care about most.

If you haven’t reviewed your estate planning recently, now is a sensible time to do so.

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

Gritstone Financial Planning 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 22/12/2025

02/02/2026

Pensions and ISAs both play an important role in building long-term financial security, but they work in different ways.

As the tax year end approaches, now is the time to review how you’re using both and ensure you’re making the most of the allowances available this year.

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

Gritstone Financial Planning s 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 22/12/2025

22/01/2026

It depends on the debt.
High-interest debt usually comes first.
Lower-interest debt can sometimes sit alongside investing.
The goal is balance, not perfection.

As a business owner, you’re used to thinking ahead, but it’s easy to let your own financial planning slip down the list....
21/01/2026

As a business owner, you’re used to thinking ahead, but it’s easy to let your own financial planning slip down the list. Taking a little time now to review your goals and put a plan in place can make a big difference for you and your business.

With the tax year ending on 5 April, now’s the perfect moment to take stock and prepare for what’s next.

A bit of proactive planning can help you:

· Make the most of available tax opportunities

· Protect your business for the long term

· Create a clear path for sustainable growth

You’ve worked hard to build your business — let’s make sure your finances are working just as hard for you.

Start your good habits today and head into the new tax year with clarity and confidence. Contact us here: https://www.gritstone-fp.co.uk/about

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

Gritstone Financial Planning 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

20/01/2026

Clarity.

List what comes in, what goes out, what you owe, and what you own.

Organisation starts the moment you stop guessing and start seeing the full picture.

19/01/2026

What to Do Before Tax Year End 📅

With the tax year ending soon, now’s the time to review your finances. Make sure you’ve used your ISA and pension allowances; small contributions can make a big long-term difference.

A quick chat with an adviser can highlight opportunities you might miss on your own and give you confidence for the year ahead: https://www.sjp.co.uk/individuals/advice-and-products/tax-year-end-2526

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

Gritstone Financial Planning 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

13/01/2026

A simple rule of thumb:
• Cover your essentials
• Pay yourself first with savings
• Leave room for living
A good budget isn’t restrictive. It’s a plan that lets your money work for the life you actually want.

12/01/2026

Playing it too safe can quietly cost you.

Cash feels comforting, but over time inflation eats away at it. Meanwhile, money that’s invested has the chance to grow.

Wealth isn’t built by standing still. It’s built by giving your money room to move.

The Autumn Budget brought a surprise change to tax relief for business owners selling to an Employee Ownership Trust (EO...
05/01/2026

The Autumn Budget brought a surprise change to tax relief for business owners selling to an Employee Ownership Trust (EOT) and it took effect immediately.

This article breaks down what’s changed, as well as asking the big question: are EOTs still a viable exit route? 👇

https://www.gritstone-fp.co.uk/insights

Trusts are not regulated by the Financial Conduct Authority.

Exit Strategies may include the referral to a service not provided by SJP.

Gritstone Financial Planning 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 22/12/2025

30/12/2025

What are you really proud of?” 🎥✨

A simple question, with answers that mean everything.
Behind the spreadsheets, strategy and meetings are moments, people and progress we don’t always shout about.

Here’s what we’re proud of.
What’s something you’re quietly (or loudly) proud of right now? 💬

Did you know that our very own Steve is a man of many talents?Alongside his work at Gritstone, he is also an active memb...
23/12/2025

Did you know that our very own Steve is a man of many talents?

Alongside his work at Gritstone, he is also an active member of Island Network, Sheffield and Rotherham’s friendly, relaxed and inclusive monthly networking group.

What sets Island Network apart is its commitment to community impact. Every event is created and run voluntarily by its members, ensuring that as much funding as possible goes directly to this year’s four supported charities:

• Samaritans
• Roundabout Ltd
• Rotherham Hospital and Community Charity
• Wheely Healthy

Last week, each of these charities received £500, recognising a full year of hard work, generosity and collaboration.

Find out more about Island Networking on the website: https://islandnetworking.co.uk/

22/12/2025

Here are ours. Now it’s your turn 🎄🎶

The Christmas songs we’ll never skip, always sing too loudly, and absolutely judge each other on.

What’s your festive favourite? Drop it below 👇✨

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13-14 South Street, Park Hill
Sheffield
S25QX

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