Cleeve Financial Planning

12/05/2026

We are thrilled to welcome Hannah Lake, DipPFS, as our new Trainee Financial Adviser at Cleeve Financial Planning! 🎉

Bringing over 20 years of retail banking experience, Hannah joined us through the SJP Academy in October 2025. She has made spectacular progress, passing 5 of her 6 exams by April, and is now officially authorised to provide financial advice! She sits her final exam this June. 📚✨

While our main office is in Bristol, Hannah operates from Bude, Cornwall. She is passionate about building trusted relationships and providing tailored, bespoke advice to her local client bank and beyond, offering both face-to-face and remote meetings. 🤝

When she isn't helping clients achieve their financial goals, Hannah loves making the most of North Cornwall's coastal life, usually on the beach or hiking the South West Coast Path with her husband and two daughters. 🌊🥾

Please join us in congratulating Hannah on her incredible exam success and welcoming her to the team!

02/04/2026

Feeling overwhelmed by financial decisions? You’re not alone. It’s like standing in front of a crowded train station, unsure of which platform to choose.

That’s where tailored financial advice comes in. It’s like having a trusted guide who knows the best route for you.

When you have a plan designed for your needs, you can breathe easier knowing you’re on the right path toward your goals.

Less stress about money means more time to enjoy life - whether that’s spending time with family, planning a holiday, or simply enjoying a quiet evening with a good book.

Feeling secure about your financial future doesn’t just help with the numbers; it positively impacts everything else. You feel more confident, focused, and ready to tackle whatever life throws your way.

01/04/2026

🐾 Happy National Pet Month! 🐾

At Cleeve Financial Planning, we’re a team of big-time animal lovers! 🐶🐱

We thought we'd share a few of them here to celebrate National Pet Month this April... we hope they bring a bit of joy to your day!

National Pet Month in the UK is an annual campaign that celebrates responsible pet ownership and the benefits pets bring to our lives.

Its aim is to:

🐾Promote responsible pet care
🐾Raise awareness of animal welfare
🐾Highlight the positive impact pets have on our wellbeing
🐾Encourage people to support charities and rehoming centres

It’s basically a feel-good month to appreciate our pets and remind people how to look after them properly.

31/03/2026

Wishing all our clients a very happy Easter 🐣

Our office will be closed over the Easter weekend from Friday 3rd April and will reopen on Tuesday 7th April. Have a great weekend everyone!

If you need to get in touch in the meantime, you can visit our new website and book an appointment:
www.cleevefinancialplanning.co.uk

23/03/2026

This Easter, our team at Cleeve Financial Planning has come together to support the St. James’s Place Foundation Easter Egg Food Drive for the North Bristol & South Glos Foodbank. 🐣

Thanks to the generosity of the team, a collection of Easter eggs has been donated to help bring a little bit of joy to local families this Easter.

A big thank you to Bec from our team for coordinating and to St. James’s Place Foundation for organising such a thoughtful initiative. 👏

17/03/2026

✨Launch Day! ✨

Today is the day that Cleeve Financial Planning proudly presents its new branding and website! After generally feeling like a refresh was needed we took the decision to change things up. We hope you like our new look and feel.

We’re proud of what we’ve built, grateful to everyone who’s been part of the journey so far, and excited about what comes next.

Here’s to the next chapter. 🚀

11/03/2026

What is Compounding?

Compounding involves reinvesting the income earned from your investment so your original amount grows and potentially generates additional earnings over time.

Cleeve 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: 30/1/2026

02/03/2026

Business owners have more tax-planning opportunities, but only if they’re used before the tax year ends.

With the right planning, retained profits can be used more efficiently and long-term wealth built in a tax-effective way.

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

Cleeve 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

27/02/2026

Huge congratulations to Ruby Josham👏

Five years of studying alongside work and life is no small commitment. Passing R06 is a major milestone and reflects the discipline, professionalism that Ruby has brought to the team.

We are incredibly proud of the dedication shown here.

Onwards and upwards ✨

Here's what Ruby had to say!

𝘍𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘢𝘨𝘰, 𝘪𝘯 𝘖𝘤𝘵𝘰𝘣𝘦𝘳 2021, 𝘐 𝘴𝘵𝘢𝘳𝘵𝘦𝘥 𝘮𝘺 𝘊𝘐𝘐 𝘦𝘹𝘢𝘮𝘴 𝘫𝘰𝘶𝘳𝘯𝘦𝘺.

𝘛𝘩𝘳𝘦𝘦 𝘮𝘰𝘯𝘵𝘩𝘴 𝘭𝘢𝘵𝘦𝘳, 𝘪𝘯 𝘋𝘦𝘤𝘦𝘮𝘣𝘦𝘳 2021, 𝘐 𝘱𝘢𝘴𝘴𝘦𝘥 𝘮𝘺 𝘧𝘪𝘳𝘴𝘵 𝘦𝘹𝘢𝘮. 𝘈𝘵 𝘵𝘩𝘦 𝘵𝘪𝘮𝘦, 𝘵𝘩𝘢𝘵 𝘧𝘦𝘭𝘵 𝘭𝘪𝘬𝘦 𝘢 𝘩𝘶𝘨𝘦 𝘮𝘪𝘭𝘦𝘴𝘵𝘰𝘯𝘦, 𝘣𝘶𝘵 𝘐 𝘬𝘯𝘦𝘸 𝘪𝘵 𝘸𝘢𝘴 𝘰𝘯𝘭𝘺 𝘵𝘩𝘦 𝘣𝘦𝘨𝘪𝘯𝘯𝘪𝘯𝘨.

𝘛𝘰𝘥𝘢𝘺, 𝘐’𝘮 𝘱𝘳𝘰𝘶𝘥 𝘵𝘰 𝘴𝘢𝘺 𝘐’𝘷𝘦 𝘳𝘦𝘤𝘦𝘪𝘷𝘦𝘥 𝘵𝘩𝘦 𝘳𝘦𝘴𝘶𝘭𝘵 𝘐’𝘷𝘦 𝘣𝘦𝘦𝘯 𝘸𝘰𝘳𝘬𝘪𝘯𝘨 𝘵𝘰𝘸𝘢𝘳𝘥𝘴: 𝘐’𝘷𝘦 𝘱𝘢𝘴𝘴𝘦𝘥 𝘙06 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘗𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘗𝘳𝘢𝘤𝘵𝘪𝘤𝘦.🥳

𝘛𝘰 𝘯𝘰𝘸 𝘩𝘢𝘷𝘦 𝘵𝘩𝘢𝘵 𝘱𝘢𝘴𝘴 𝘳𝘦𝘴𝘶𝘭𝘵 𝘢𝘧𝘵𝘦𝘳 𝘧𝘪𝘷𝘦 𝘺𝘦𝘢𝘳𝘴 𝘰𝘧 𝘴𝘵𝘶𝘥𝘺𝘪𝘯𝘨, 𝘣𝘢𝘭𝘢𝘯𝘤𝘪𝘯𝘨 𝘸𝘰𝘳𝘬, 𝘭𝘪𝘧𝘦, 𝘢𝘯𝘥 𝘦𝘹𝘢𝘮𝘴, 𝘪𝘴 𝘴𝘰𝘮𝘦𝘵𝘩𝘪𝘯𝘨 𝘐’𝘮 𝘪𝘯𝘤𝘳𝘦𝘥𝘪𝘣𝘭𝘺 𝘱𝘳𝘰𝘶𝘥 𝘰𝘧.

𝘛𝘩𝘦 𝘴𝘶𝘱𝘱𝘰𝘳𝘵 𝘧𝘳𝘰𝘮 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦 𝘢𝘵 Cleeve Financial Planning 𝘩𝘢𝘴 𝘣𝘦𝘦𝘯 𝘢𝘮𝘢𝘻𝘪𝘯𝘨 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘦𝘢𝘤𝘩 𝘦𝘹𝘢𝘮. 𝘏𝘢𝘷𝘪𝘯𝘨 𝘵𝘩𝘢𝘵 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦𝘮𝘦𝘯𝘵 𝘢𝘯𝘥 𝘣𝘢𝘤𝘬𝘪𝘯𝘨 𝘢𝘭𝘰𝘯𝘨 𝘵𝘩𝘦 𝘸𝘢𝘺 𝘩𝘢𝘴 𝘮𝘢𝘥𝘦 𝘢 𝘳𝘦𝘢𝘭 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘤𝘦, 𝘢𝘯𝘥 𝘐’𝘮 𝘪𝘯𝘤𝘳𝘦𝘥𝘪𝘣𝘭𝘺 𝘨𝘳𝘢𝘵𝘦𝘧𝘶𝘭.

𝘐𝘵’𝘴 𝘣𝘦𝘦𝘯 𝘢 𝘭𝘰𝘯𝘨 𝘳𝘰𝘢𝘥, 𝘸𝘪𝘵𝘩 𝘤𝘩𝘢𝘭𝘭𝘦𝘯𝘨𝘦𝘴 𝘢𝘯𝘥 𝘱𝘭𝘦𝘯𝘵𝘺 𝘰𝘧 𝘳𝘦𝘷𝘪𝘴𝘪𝘰𝘯 𝘴𝘦𝘴𝘴𝘪𝘰𝘯𝘴,𝘣𝘶𝘵 𝘪𝘵’𝘴 𝘢𝘭𝘭 𝘣𝘦𝘦𝘯 𝘸𝘰𝘳𝘵𝘩 𝘪𝘵.

𝘐’𝘮 𝘦𝘹𝘤𝘪𝘵𝘦𝘥 𝘧𝘰𝘳 𝘸𝘩𝘢𝘵’𝘴 𝘢𝘩𝘦𝘢𝘥 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘫𝘰𝘶𝘳𝘯𝘦𝘺 𝘐 𝘤𝘢𝘯 𝘯𝘰𝘸 𝘵𝘢𝘬𝘦 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦𝘴𝘦 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘤𝘢𝘵𝘪𝘰𝘯𝘴. 𝘛𝘩𝘪𝘴 𝘪𝘴 𝘢 𝘣𝘪𝘨 𝘴𝘵𝘦𝘱 𝘧𝘰𝘳𝘸𝘢𝘳𝘥, 𝘢𝘯𝘥 𝘐 𝘤𝘢𝘯’𝘵 𝘸𝘢𝘪𝘵 𝘵𝘰 𝘣𝘶𝘪𝘭𝘥 𝘰𝘯 𝘪𝘵.

𝘖𝘯 𝘵𝘰 𝘵𝘩𝘦 𝘯𝘦𝘹𝘵 𝘤𝘩𝘢𝘱𝘵𝘦𝘳✨

23/02/2026

Thinking about buying a home? Or already own one?

Understanding the tax benefits could make a big difference to your long‑term finances.

Learn how homeowners can maximise tax relief at every stage, from purchase to inheritance: https://www.sjp.co.uk/individuals/news/the-tax-benefits-of-owning-a-home

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

Cleeve 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 3/1/2026

Owning a home is a key milestone for many people. One that requires financial planning and preparation. However, ownership comes with additional responsibilities and costs – some of which can be avoided under certain circumstances. This article outlines some of the tax benefits of owning a home, f...