Alex Swallow - Financial Adviser

02/06/2026

Swipe through to see the four areas where most business owners are unknowingly exposed ➡️

If any of these hit close to home, take the free Business Health Check, five questions, two minutes, instant report.

Link in the comments 👇

05/05/2026

Confused about Lifetime ISAs? Here’s the simple version 👇

https://www.navigationwm.co.uk/partner/alexswallow

21/05/2025

Great to speak yesterday on why investing makes sense. Thank you to everyone who joined.

Covered the importance of time horizon, the power of compounding, and a few Warren Buffett stories.

Special thanks to Mel Fisher 🌍 Local Networks Global Reach for organising and Cameron McMillan for sharing the story of the three brothers, it went down really well.

Looking forward to the next one!

09/05/2025

Fantastic day at our Manchester office yesterday with guest speaker Steve Worrall, insightful discussions and plenty to take away.

On a broader note, a significant milestone for UK/US relations as the latest trade deal rolls out, promising lower tariffs on key goods, increased market access, and streamlined digital trade. This means more choice, competitive pricing, and better value for UK consumers.

A win for both sides.

28/04/2025

Building a strong relationship with your financial adviser can be life-changing. One St. James’s Place client discovered this firsthand when expert advice helped him move from living month to month to planning a comfortable future with confidence.

With the support of his adviser, he was able to align his financial plan with his personal goals, balance risk and reward, and stay on track through regular reviews and updates. The trust built over time meant he could make informed decisions with clarity and peace of mind.

Today, dreams like owning a home abroad and early retirement are becoming a reality. It is a powerful reminder that with the right support, taking ownership of your financial future is possible.

Read more about his journey below:

How one St. James’s Place client found a path towards a comfortable future, thanks to the strong relationship they built with their financial adviser.

14/04/2025

Thinking of expanding in 2025 📈 It’s exciting but tough out there

Rising costs low confidence and shifting regulations mean smart planning is key. A clear strategy strong financials and your golden thread what your customers really value make all the difference

Sustainable growth beats risky leaps.

Expanding a business is an exciting prospect, but it comes with challenges—particularly in today’s economic climate. Rising costs, regulatory changes, and economic uncertainty all play a role in determining whether growth is the right move.

11/04/2025

Great evening with Manchester Young Professionals at Fix. Thanks also to HECK for the free bag of sausages, tea sorted.

Six degree water is all about mental resilience and resisting the urge to get out early. It’s not unlike investing: stay calm, think long term and don’t bail when it gets uncomfortable.

07/04/2025

New Tax Year, New Rules. Are You Ready?

The 2025/26 tax year brings some major updates time to take stock.

Key changes:

• Capital Gains Tax rises to 18% (basic) and 24% (higher)

• Pension pots may now fall within 40% Inheritance Tax

• Employer National Insurance contributions have increased

• Income tax bands remain frozen until 2028

• ISA and pension allowances stay the same still powerful tools

With taxes projected to hit 38% of GDP by 2030, smart financial planning is more important than ever.

Now’s a great time to:
✔️ Reassess your investment strategy
✔️ Optimise your ISA and pension contributions
✔️ Review your estate and legacy plans

Let’s make this a tax-smart year.

As the new tax year begins, our guide will help you take full advantage of all the tax breaks available so you don’t pay more than you need to

04/04/2025

Bit of a Where’s Wally moment, but I promise I’m in there!

Great morning at the GMCC Stockport Mayor’s Business Breakfast yesterday ☕️

Thanks to Dr. Vikas Shah MBE DL for the insightful talk on why businesses should consider the King’s Awards for Enterprise — the impact on growth and recognition is huge 📈

And shoutout to Keir Young for the brilliant photos — definitely better than my own camera skills! 📸

31/03/2025

UK Economy: Challenges & Opportunities ⚖️📈

The UK’s growth forecast has been cut from 2% to 1%, but the Spring Statement offered some positives. Planning reforms were scored well, and disposable income could grow nearly twice as fast as expected. While inflation remains above target, a recession this year still looks unlikely.

📉 Interest rates – The Bank of England is expected to cut rates, but high inflation (especially in services) means they’ll likely move cautiously.
🛡️ Defence boost – A £2.2bn increase in spending, with at least 10% of the MoD’s budget going towards AI, drones, and new tech.
📊 UK stocks – The UK market, with its value-driven, large-cap bias, remains attractive, particularly in volatile conditions.

Globally, uncertainty—especially around US trade policy—continues to weigh on markets. But Germany’s biggest stimulus package in a generation could shift Europe’s economic outlook.

In a world full of surprises, a lack of UK drama might not be a bad thing! What’s your take? 👇

UK economic growth prospects may look anaemic but there were glimmers of positivity in the government’s Spring Statement.