Fogwill & Jones Wealth Management

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Fogwill & Jones Wealth Management A team of friendly, professional and impartial Independent Financial Planners.

Fogwill & Jones Wealth Management is known for exceptional one-to-one tailor made independent financial and tax advice. Offering a truly personal service, our experienced team actively and consistently review investments reporting to you in a jargon free, transparent manner.

Inheritance Tax rules are changing - and for some families, the impact could be significant.From 6 April 2027, most unus...
26/10/2026

Inheritance Tax rules are changing - and for some families, the impact could be significant.

From 6 April 2027, most unused defined contribution pension funds are expected to be included within an individual’s estate when calculating Inheritance Tax. This means some families who may not previously have faced an Inheritance Tax liability could find their position has changed.

The good news is that there is time to prepare.

In our blog, we look at what the changes could mean in practice, using a straightforward example to show how an estate could be affected. We also explore why reviewing your pensions, investments and wider estate planning now can provide greater clarity for you and your family.

Good financial planning is about looking ahead and making informed decisions while you have the opportunity to do so.

Read the full article to understand what is changing and whether it could affect your plans: fogwillandjones.com/blog/inheritance-tax-rules-are-changing/

From shifting interest rates and inflation pressures to the continued influence of AI and technology, the third quarter ...
22/10/2026

From shifting interest rates and inflation pressures to the continued influence of AI and technology, the third quarter of 2026 has brought plenty of developments across global markets.

In our latest quarterly Markets & Economic Summary, we reflect on the key trends shaping the UK and global economies, explore how different markets have performed, and consider what lies ahead for the remainder of the year.

Staying informed is an important part of making confident, long-term financial decisions.

Read our latest market summary here: https://fogwillandjones.com/blog/markets-economic-summary-october-2026/

Financial planning is often seen through the lens of markets and returns - but its real value runs much deeper.It’s abou...
20/10/2026

Financial planning is often seen through the lens of markets and returns - but its real value runs much deeper.

It’s about bringing clarity to life’s decisions, creating structure around uncertainty, and ensuring your financial choices support what matters most to you.

It is important to consider the bigger picture. If you would like to see how you can create a life with clarity, confidence and purpose - give our blog a read: fogwillandjones.com/blog/financial-planning-isnt-just-about-money/

Taking the first step towards financial advice doesn’t need to feel complicated.We make getting started simple. It begin...
14/10/2026

Taking the first step towards financial advice doesn’t need to feel complicated.

We make getting started simple. It begins with a free, no-obligation consultation - an opportunity to talk about where you are today, what you’d like to achieve and how we may be able to help.

From there, we’ll share our initial thoughts and suggestions, giving you the time and information you need to decide whether you’d like to move forward.

And if you do, we’ll work with you to create a tailored financial plan that evolves alongside your life, priorities and ambitions.

Ready to take the first step? Get in touch with our team to arrange your free consultation.

If you’ve changed jobs several times throughout your career, there’s a good chance you’ve accumulated more than one pens...
12/10/2026

If you’ve changed jobs several times throughout your career, there’s a good chance you’ve accumulated more than one pension along the way.

But as retirement gets closer, an important question arises: do you know what they’re all worth - and what they could actually provide in retirement?

Bringing your pensions into a clearer overall picture can help you understand where you stand, whether you’re on track and what options are available. For some people, pension consolidation may form part of that plan - although it isn’t right for everyone, particularly where existing pensions include valuable guarantees or benefits.

There’s also another consideration on the horizon. From April 2027, most unused pension funds and death benefits will be included within an estate for Inheritance Tax purposes, making it increasingly important to consider pensions as part of your wider retirement and estate planning.

In our latest blog, we explore pension consolidation, the questions to consider as retirement approaches and why now could be a good time to get your pensions organised.

Read the blog here: https://fogwillandjones.com/blog/pension-consolidation/

Your finances should support the life you want to lead, whether that means retiring with confidence, helping your family...
08/10/2026

Your finances should support the life you want to lead, whether that means retiring with confidence, helping your family, travelling more or simply enjoying greater financial freedom.

We take the time to understand your priorities before creating a financial plan built around them.

Because a good financial plan gives your money purpose.

Financial advice should give you clarity and confidence - never pressure.The best decisions are made when you have the t...
06/10/2026

Financial advice should give you clarity and confidence - never pressure.

The best decisions are made when you have the time, information and trusted guidance you need to consider what is right for you.

It is wonderful to hear that this has been reflected in a client's experience with Rob. Building long-term relationships based on trust, understanding and impartial advice is at the heart of how we work.

What difference can proactive tax planning make?For one of our clients, it meant an immediate reduction in their tax lia...
01/10/2026

What difference can proactive tax planning make?

For one of our clients, it meant an immediate reduction in their tax liability of more than £10,000 - alongside a clearer financial strategy and greater confidence in their long-term plans.

For higher earners, tax planning can become increasingly complex. Income, investments, savings and pensions all need to work together as part of a considered, tax-efficient approach.

In our latest case study, we look at how we helped a high-earning professional review their tax position and make better use of available allowances across pensions, ISAs and investments.

The result was not simply a lower tax bill, but a more joined-up financial plan designed around their wider goals.

Read the full case study to see the approach we took and the difference proactive tax planning can make: fogwillandjones.com/reducing-tax-exposure/

Financial clarity doesn’t come from one big decision - it’s built over time through informed, thoughtful choices.Whether...
29/09/2026

Financial clarity doesn’t come from one big decision - it’s built over time through informed, thoughtful choices.

Whether you’re refining your plans, exploring new opportunities, or simply looking to better understand your options, having the right insights can make all the difference.

Our latest articles are designed to do just that - offering clear guidance, practical tips, and considered perspectives to help you move forward with confidence.

Explore our insights and discover what could make a meaningful difference to your financial future: https://fogwillandjones.com/blog/

What is Inheritance Tax - and could it affect you?Inheritance Tax (IHT) is a tax that may be payable on the value of you...
24/09/2026

What is Inheritance Tax - and could it affect you?

Inheritance Tax (IHT) is a tax that may be payable on the value of your estate when you die.

Your estate can include your property, savings, investments and possessions. From April 2027, most unused pension funds and death benefits are also due to be included within estates for IHT purposes.

IHT is generally charged at 40% on the portion of an estate that exceeds the available allowances and exemptions. However, what is actually payable will depend on your individual circumstances, including who you leave your assets to and which reliefs or exemptions apply.

With the rules changing in April 2027, understanding the potential value of your estate is becoming even more important.

Good estate planning can help you build a clear picture of your position, make informed use of the allowances available and consider how you would like your wealth to be passed on.

We can help you understand what the changing IHT landscape could mean for you and your family.

Just get in touch via our website: https://fogwillandjones.com/

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Sheffield
S80TB

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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