Hough Financial

27/10/2025

🧭 Life happens. And then we look for advice.

According to the recent Real Life Advice Report 2025 by St. James’s Place, nearly 44% of UK adults say a major milestone prompted them to seek professional financial advice. When a client hits a life milestone; marriage, new home, career change, inheritance, retirement — it’s often less about if they’ll need advice and more about when. That “when” is a golden opportunity for us to step in proactively.

It means:
- Having conversations before the milestone becomes a stress point.
- Positioning advice not just for today, but for transitions ahead.
- Making sure clients understand that advice isn’t reserved for “wealthy” individuals: life changes impact everyone.

Read more here: https://partnership.sjp.co.uk/article/detail/sjpp/why-milesones-often-spark-the-search-for-financial-advice.html

29/08/2025

Nobody wants HMRC to be their biggest beneficiary.

St. James’s Place shares four practical ways to reduce your Inheritance Tax bill and leave more for your loved ones:

- Start giving now
- Use gifting allowances
- Consider life assurance
- Plan early and seek advice

Read the full article here 👉 https://www.sjp.co.uk/individuals/news/how-to-reduce-your-inheritance-tax-bill?utm_source=linkedin&utm_medium=social

Planning ahead isn’t just about numbers—it’s about peace of mind and protecting your legacy.

29/07/2025

It’s been a busy few weeks at Hough Financial, but we’re excited to reconnect with our community right here on Facebook.

We’ve been working hard behind the scenes, supporting clients with their goals. From retirement planning to smart investment strategies, we’re looking forward to sharing fresh insights, tips and updates to help you feel more confident about your financial future.

👉 Follow us to stay up to date with financial trends, planning strategies, and real-life advice from a local advisory team you can trust.

Thanks for sticking with us. Let’s get back to it!

07/07/2025

💡 Strong businesses are built on solid foundations.

This article from St. James’s Place is a timely reminder that getting the basics right, from clear planning and financial control to knowing your market, is key to sustainable growth.

Whether you're scaling up or starting out, don’t overlook the essentials.

👉 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/build-your-business-on-solid-foundations-dont-overlook-the-business-basics-of-management-and-control.html

03/07/2025

📉 UK inflation is falling… but will interest rates follow?

Last week’s economic data brought some cautious optimism for UK households and investors. Inflation continued to ease and markets are watching closely for signs that the Bank of England may finally cut rates.

But with mixed signals from central banks and political uncertainty on the rise, the road ahead remains unpredictable.

🔍 SJP’s latest WeekWatch breaks down what this all means for investors:
👉 https://lnkd.in/e7UyPTmh

💬 What’s your take – should the BoE move to cut rates now, or wait it out?
Let’s hear your thoughts in the comments 👇

02/07/2025

🌟 Never underestimate the power of a good review.

In today’s competitive landscape, customer feedback has never been more important. A positive review is more than just kind words — it builds trust, boosts credibility and helps others feel confident in choosing us too.

Genuine experiences from real customers go a long way. Every review helps us grow, improve and continue doing what we love.

If you’ve had a great experience with us, we’d be so grateful if you took a moment to leave a review. Your words really do matter 💬

24/06/2025

🌍 Rising tensions in the Middle East have pushed oil prices up nearly 20%, creating fresh uncertainty.

SJP outlines five key things to keep in mind when markets turn volatile: https://ow.ly/IKzA50WfhOA

SJP’s investment experts highlight five things to consider when market volatility creates worry.

19/06/2025

💷 £300 billion in spending.
🏥 Health and defence prioritised.
📉 Economic headwinds looming.

The UK’s latest Spending Review paints a bold picture, but with limited options to raise further funds, it raises a bigger question: Will the Autumn Budget bring tougher tax measures for the wealthy?

As economic pressures mount, now’s the time for individuals and business owners to review their financial strategies and prepare for what may be ahead.

🔗 Read more on what this could mean in the latest St. James’s Place article: https://www.sjp.co.uk/individuals/news/spending-review-are-wealth-taxes-on-the-horizon?utm_source=linkedin&utm_medium=social

17/06/2025

This weekend I used chat GPT to make a curry to my own individual taste and preference and it did not disappoint.

What is everyone using AI for at present, bizarre and unusual requests are welcome below?

11/06/2025

Planning for retirement is a significant milestone, and seeking professional financial advice can make all the difference.

According to the Real Life Advice Report, retirement planning is the leading reason individuals over 44 seek financial guidance.

Engaging with a financial adviser can help you navigate the complexities of retirement, ensuring a comfortable and secure future.

It's never too early to start planning.

Read the article here:
https://lnkd.in/eG-R4nXd

09/06/2025

📊 Solid business growth starts with strong foundations.

This article from St. James’s Place highlights why getting the basics right – from clear financial controls and effective management structures to solid business planning – is essential for long-term success.
A timely reminder not to overlook the fundamentals as you focus on the future.

➡️ Read more here: https://ln

05/05/2025

It's a question we've been asked time and time again. This article is a great tool to help give you a rough idea of what you should have in your pension at what point in your life:

https://partnership.sjp.co.uk/article/detail/sjpp/when-do-i-need-to-start-saving-for-retirement.html