Dan Brown - Financial Adviser at NPS Wealth Management

Dan Brown - Financial Adviser at NPS Wealth Management Director of NPS Wealth, I help clients with: Retirement & Pension planning, Investment planning, Personal & Business protection & Succession planning.

The value of your investment could go down as well as up. You could get back less then you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. Trusts are not regulated by the Financial Conduct Authority.

10/06/2026

The question I get asked most by company directors.

"Should I put more into my pension or invest outside of it?"

There's no one-size-fits-all answer.

But here's how I'd think about it:

→ What's your access timeline?

→ What's your current and expected tax rate?

→ Do you have enough accessible wealth?

→ What's your view on pension rules changing?

The right mix is different for everyone.

What would help you decide?

The £100k income trap that surprises high earners.Earn between £100k and £125,140?You're in a 60% effective tax zone.For...
08/06/2026

The £100k income trap that surprises high earners.

Earn between £100k and £125,140?

You're in a 60% effective tax zone.

For every £2 you earn over £100k, you lose £1 of personal allowance.

That's why pension contributions at this level are so powerful. They can bring you back under the threshold.

Not many people realise this until it's too late.

P.S. Did you know about this before?

The value of an investment with St. James’s Place will be directly
linked to the performance of the funds selected and may fall as well
as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.
NPS 2025 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) for the purpose of advising solely on the group’s wealth
management products and services, more details of which are set out on the group’s
website www.sjp.co.uk/products.

SJP Approved 09/04/2026

01/06/2026

The retirement question I ask every doctor.

"What does retirement actually look like for you?"

Some want to stop completely at 60.
Some want to reduce sessions gradually.
Some never want to fully retire.

The NHS pension is flexible - but only if you plan for it.

Your answer to this question shapes everything else.

P.S. What does your ideal retirement look like?

NPS Wealth 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) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products.

NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 09/04/2026

Home from an action packed two weeks in Florida.Amazing holiday and just the reset needed after a busy start the the yea...
27/05/2026

Home from an action packed two weeks in Florida.

Amazing holiday and just the reset needed after a busy start the the year.

Back up and running so looking forward to catching up with everyone 🌞

Out of office for 2 weeks 🇺🇸
11/05/2026

Out of office for 2 weeks 🇺🇸

Proud to be supporting Stafford Cricket Club for the upcoming season.I spent many summers here growing up, so it’s great...
08/05/2026

Proud to be supporting Stafford Cricket Club for the upcoming season.

I spent many summers here growing up, so it’s great to be able to give something back to a club that holds so many good memories.

Wishing all the teams the very best for the season ahead 🏏

Bedtime routines and financial planning have more in common than you'd think. With a 4-year-old and an 18-month-old, our...
06/05/2026

Bedtime routines and financial planning have more in common than you'd think.

With a 4-year-old and an 18-month-old, our evenings are... structured.

Bath. Stories. Milk. Bed. (Hopefully.)

And I've realised - building wealth works the same way:

→ Consistency beats intensity
→ Small habits compound over time
→ You won't see results immediately, but they come

The families who build wealth aren't doing anything dramatic. They're just showing up, again and again.

P.S. What's one financial habit you've stuck with?

01/05/2026

A common myth about higher rate tax relief.

"I'm a higher rate taxpayer, so I automatically get 40% pension tax relief."

Not quite.

You get relief at your marginal rate, but only on income that's actually taxed at 40%.

If you earn £55,000, only £5,270 is taxed at 40% (2024/25).

The rest? 20%.

Understanding this changes how you plan contributions.

P.S. Has this ever caught you out?

Why I specialise in working with medical professionals.Doctors, dentists, surgeons - they share something in common.→ Co...
29/04/2026

Why I specialise in working with medical professionals.

Doctors, dentists, surgeons - they share something in common.

→ Complex income structures
→ Unique pension arrangements
→ High pressure careers with little time to plan
→ Big decisions that need making at the wrong moments

Generic advice doesn't cut it.

Understanding the profession makes the planning better.

P.S. What do you wish your financial adviser understood about your job?

NPS Wealth 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) for the purpose of advising solely on the group’s wealth management products
and services, more details of which are set out on the group’s website www.sjp.co.uk/products.

NPS Wealth is a trading name of NPS 2025 Ltd.
SJP Approved 09/04/2026

27/04/2026

The salary vs dividend question isn't as simple as people think.

Most business owners ask, "How much should I take as salary vs dividends?"

But the real question is: what are you actually trying to achieve?

→ Protecting pension allowances?

→ Maximising take-home pay?

→ Building wealth outside the business?

The "right" answer changes depending on your goals.

P.S. What's your biggest question about structuring your income?

NPS Wealth 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) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website

www.sjp.co.uk/products.

NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 09/04/2026

Address

Stafford

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm

Website

Alerts

Be the first to know and let us send you an email when Dan Brown - Financial Adviser at NPS Wealth Management posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Dan Brown - Financial Adviser at NPS Wealth Management:

Shortcuts

Share

Category