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Dan Brown - Financial Adviser at NPS Wealth Management

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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.

26/10/2026

Don't confuse income with wealth.

Someone earning £500,000 a year isn't necessarily wealthy.

Someone earning £80,000 with £3 million of assets may be.

Income stops.

Assets continue working.

The goal shouldn't always be to earn more.

It should be to own more assets that produce future financial security.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

07/10/2026

Building a business is hard. Protecting it should be part of the plan.

Most business owners spend years growing profits.

Winning clients.

Recruiting staff.

Building value.

But very few spend time asking...

"What happens if one of the owners dies or becomes seriously ill?"

A well-structured business protection plan can help keep the business stable, provide financial certainty for loved ones and, in many cases, be arranged in a tax-efficient way.

Growing your business is important.

Protecting everything you've built is just as important.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

16/09/2026

The cost of waiting.

Many financial decisions get delayed because people are waiting for...

A better economy.

Lower interest rates.

The next Budget.

A business sale.

The perfect investment opportunity.

But time is one of the few things you can never recover.

Often, starting imperfectly beats waiting perfectly.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

26/08/2026

The tax saving is the bonus.

When business owners think about reducing their corporation tax bill, pensions are usually the first thing that comes to mind.

But business protection can also form part of the conversation.

The tax efficiency is valuable.

But it's not the biggest benefit.

The biggest benefit is knowing that if the unexpected happens, your family, your fellow shareholders or your business have financial support when they need it most.

No one buys business protection hoping to claim on it.

They buy it hoping they never have to.

It's there for peace of mind, not just tax planning.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 27/07/2026

24/08/2026

Business owners should think like investors.

Imagine your business paid no dividends.

Produced no salary.

And couldn't be sold.

Would you still want to own it?

That's how investors think.

Removing emotion from financial decisions often leads to better long-term outcomes.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

19/08/2026

Lifestyle inflation is the silent wealth killer.

As profits increase...

So do expectations.

A bigger house.

A nicer car.

More holidays.

Higher monthly commitments.

There's nothing wrong with enjoying success.

But if every pay rise increases spending, financial independence simply moves further away.

The wealthiest people often increase their investments before they increase their lifestyle.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

13/08/2026

What would happen tomorrow?

Here's a question every business owner should ask themselves...

If you didn't make it into work tomorrow, what happens?

Would your family receive the value of your share of the business?

Could your business continue without financial pressure?

Would your business partner have the funds to buy your shares?

Or would everyone be left trying to solve the problem during one of the most difficult times imaginable?

Business protection isn't about expecting the worst.

It's about preparing for it.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

11/08/2026

You don't need to beat the market.

One of the biggest misconceptions in investing is believing you need spectacular returns.

In reality...

Consistent investing.

Over long periods.

Combined with sensible tax planning.

Can often outperform constantly chasing the next "big opportunity."

Patience is an underrated financial strategy.

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

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

03/08/2026

Wealth gives you choices.

People often think wealth is about expensive cars or luxury holidays.

I think it's about something much simpler.

Choice.

The choice to retire early.
The choice to work because you enjoy it.
The choice to help your children.
The choice to take six months off.
Financial planning isn't about becoming rich.
It's about creating options.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

31/07/2026

The best policies are the ones you never use.

Nobody celebrates taking out business protection.

It isn't exciting.

It doesn't produce investment returns.

It won't make the headlines.

But when the unexpected happens...

It can protect families.

Protect employees.

Protect business partners.

And protect everything you've spent years building.

Sometimes the most valuable financial planning is the planning you hope never gets used.

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) NPS Wealth is a trading name of NPS 2025 Ltd.

SJP Approved 28/07/2026

Address

Stafford

Opening Hours

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

Website

http://NPSwealth.co.uk/

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