TMC Financial Consultancy LLP

18/12/2025

With the Autumn Budget headlines behind us, it’s worth looking at the smaller changes that could still affect your finances. 🍂

This article explores the freeze on IHT thresholds, updates to VCT tax relief, and the new electric vehicle levy.

🔗 https://www.tmcfc.co.uk/article/detail/sjpp/autumn-budget-sweeping-up-the-budget-announcements.html

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

TMC Financial Consultancy LLP 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 8/12/2025

16/12/2025

Entrepreneurship has no age limit, but every stage comes with its own challenges. 🚀

Whether you’re starting out in your 20s or building on experience in your 50s, this article shares how age shapes your start-up journey and why a Head, Heart & Hand approach can help every founder grow with clarity, purpose, and balance 👇:

TMC Financial Consultancy LLP 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 07/11/2025

At Elephants Child, we work with business owners of all ages and being an entrepreneur at any stage in life is hard work. So, is there ever a “right time” to start a business?

11/12/2025

Real Life Advice Report 2025: Chapter 3 – The purpose behind financial planning.

Why do we really save and invest? According to research, the motivations are often deeply personal.

Whether it's planning for retirement or building security for loved ones, financial decisions are guided by powerful emotional drivers.

Take a closer look at how purpose shapes smart financial planning: 👇

https://www.tmcfc.co.uk/article/detail/sjpp/real-life-advice-report-2025-chapter3-the-purpose-behind-financial-planning.html

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

TMC Financial Consultancy LLP 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 25/11/2025

09/12/2025

Could a buy-and-build strategy be the catalyst for your next phase of growth? 🚀

This article explores how acquiring and integrating complementary businesses can help SMEs scale faster and more effectively. With the right platform, a clear acquisition pipeline, and disciplined ex*****on, the opportunity can be transformative.

Is this the right path for your business? Find out more:

TMC Financial Consultancy LLP 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 25/11/2025

Growth means different things to different businesses. It’s worth taking time to define what it means for you, and how best to achieve it. Once that’s clear, the strategic questions follow naturally.

04/12/2025

Understanding why so many UK households hesitate to invest is crucial to helping clients make confident, long-term decisions.

The latest issue of The Investor explores this in depth, alongside insights from SJP’s Real Life Advice Report commissioned on their behalf by Opinium and the key market themes we may see into 2026 - including ‘spikeflation’ and developments across emerging markets.

It also reflects on three years of the SJP Polaris fund range and how active asset allocation supports diversified client outcomes.

Highly recommended reading for clients and professionals alike.

Read here: 🔗https://indd.adobe.com/view/bd1f73f7-1659-4a90-b78b-71604bf00f2d?utm_source=linkedin&utm_campaign=e-investor&utm_medium=social

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.

TMC Financial Consultancy LLP 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 25/11/2025

02/12/2025

Pension scams are on the rise, and even the most careful can be targeted. 🕵

Scammers use convincing language, fake credentials, and promises of high returns to lure people in. It’s never been more important to pause and check before making a big financial decision.

Learn how to recognise the warning signs and keep your financial future safe. 👇

TMC Financial Consultancy LLP 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 13/11/2025

Anyone can be the victim of a pension scam, no matter how financially savvy they think they are. Scammers are using ever more elaborate tricks To fool people so it's important to look out for the warning signs.We examine how to stay one step ahead of the scammers, and protect your financial security...

27/11/2025

Planning becomes more intentional with ongoing guidance. 🎯

68% of people who receive advice have a comprehensive, goal-focused plan. Only 32% without advice say the same.

Opinium surveyed 8,000 UK adults nationwide between 22nd July and 5th August 2025. Quantitative data referenced in this report is taken from this survey. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

TMC Financial Consultancy LLP 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 18/11/2025

25/11/2025

Thinking about retiring in the sun? ☀️

Before you make the move, make sure you understand how living abroad could affect your retirement planning.

Read SJP’s latest insights👇:

https://www.tmcfc.co.uk/article/detail/sjpp/taking-your-pension-while-living-abroad.html

TMC Financial Consultancy LLP 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 03/11/2025

20/11/2025

Financial planning isn’t just about numbers, it’s about creating clarity around your goals, understanding the steps needed to reach them, and having the confidence to stay the course even when life throws curveballs. 🥎

TMC Financial Consultancy LLP 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 17/11/2025

18/11/2025

Timing your business sale: November 2025 vs June 2026 - what's the financial difference? ⏱

Thinking of selling your business? Timing could make a big financial difference.

With tax changes on the horizon in April 2026, completing a sale before the deadline could result in significant savings.

Explore how shifting your timeline might help you retain more from your exit 👇:

https://www.tmcfc.co.uk/article/detail/sjpp/timing-your-business-sale.html

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

TMC Financial Consultancy LLP 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 15/10/2025

12/11/2025

As the Autumn Budget approaches, speculation around potential tax changes is intensifying. 💼

In SJP’s latest update, they explore the key themes emerging and why a cautious outlook may be wise.

Read more 👇:

https://www.tmcfc.co.uk/article/detail/sjpp/budget-2025-beware-of-the-rumours.html

11/11/2025

We will be joining the Nation for a two-minute silence today, to honor the memory of the fallen, and to pay tribute to those who continue to serve, in our Armed Forces. 🕊

At the eleventh hour on the eleventh day of the eleventh month - we will remember them.