Shenda Whelan - Financial Adviser at Emma Ralls Wealth Mangement Ltd

Five things you need to know about Inheritance Tax

An inheritance can be life-changing for those you leave money to. Starting the conversation now means you can feel part of your family’s future, even when you’re gone: https://partnership.sjp.co.uk/article/detail/sjpp/five-things-you-need-to-know-about-inheritance-tax.html


Everyone

Five things you need to know about Inheritance Tax Five things you need to know about Inheritance Tax

Don’t leave you family a avoidable IHT bill

If you want to leave as much money as you can to the people you love after you die, here are some easy steps you can take to protect your estate from Inheritance Tax liability. Click the link in our bio to find out more.

Gifting can help your family beat the cost - of- living crisis

We have been living with the cost-of-living crisis since late 2021. Last winter, the government introduced the energy bill support scheme to help households in hardship. This year, however, the government has not made a further commitment. Families and young people may face another long, cold and dark winter. It’s not surprising that many parents are increasingly looking at practical ways they can support their adult children with day-to-day expenses: https://partnership.sjp.co.uk/article/detail/sjpp/gifting-can-help-your-family-beat-the-cost-of-living-crisis.html

Gifting can help your family beat the cost-of-living crisis Gifting can help your family beat the cost-of-living crisis

How can I invest for my family’s future?

The key to help secure your child's future? Start saving early. 🌟

Building a financial cushion can provide your kids with a solid foundation for life, while also benefiting your entire family's financial health: https://partnership.sjp.co.uk/article/detail/sjpp/how-can-i-invest-for-my-familys-future.html

How can I invest for my family’s future? How can I invest for my family’s future?

Giving the whole family a head start this tax year end

Giving your children a financial head start helps spread wealth across the generations. In this article, we’ll look at the practical ways you can give your children a head start this tax year: https://partnership.sjp.co.uk/article/detail/sjpp/giving-the-whole-family-a-head-start-this-tax-year-end.html

-planning

Giving the whole family a head start this tax year-end Giving the whole family a head start this tax year-end

Getting into good money habits gives you greater confidence, control and financial wellbeing. Start by making sure you’re not missing out on important tax breaks – before tax year-end: https://partnership.sjp.co.uk/article/detail/sjpp/building-good-money-habits-in-2024.html


Everyone

Building good money habits in 2024 Building good money habits in 2024

How do you imagine your future? Cruising canals by narrowboat? Maybe you’ve decided that you’d like to start that micro business you always dreamed of? Now’s the time to check if you’re financially on track to achieve them: https://partnership.sjp.co.uk/article/detail/sjpp/setting-personal-goals-and-making-them-happen.html

Setting personal goals and making them happen Setting personal goals and making them happen

A higher than average inflation rate means that, over time, the purchasing power of your savings may be reduced. Discover here how building a diversified investment portfolio can help protect your money against inflation: https://partnership.sjp.co.uk/article/detail/sjpp/investing-to-beat-inflation-for-the-long-term.html

With many of us needing to keep a watchful eye on family finances, tax-year end is a great time to review your Cash ISAs: you want to be sure that any money you've been able to save, works hard:

We’re used to checking we’ve made the most of all those annual tax allowances as we head into tax year-end. But it’s also the perfect time to review whether you’re still getting value for money from your Cash ISAs. With many of us still needing to keep a watchful eye on family finances, you want to be sure that any money you can save is going to work hard.

Making the most of your ISAs before tax year-end Making the most of your ISAs before tax year-end

Your tax year-end jargon buster

Ever felt flummoxed by the amount of jargon around financial planning? Here are the top tax terms you need to know: https://partnership.sjp.co.uk/article/detail/sjpp/your-tax-year-end-jargon-buster.html

Give the whole family a head start this tax year end.

Giving your children a financial head start helps spread wealth across the generations. In this article, we’ll look at the practical ways you can give your children a head start this tax year: https://partnership.sjp.co.uk/article/detail/sjpp/giving-the-whole-family-a-head-start-this-tax-year-end.html

📅 As we approach the end of the tax year, a friendly reminder to seize the opportunity and optimize your ISA allowances for maximum tax benefits! 💼 If you haven't done so already, now is the perfect time to make sure you're making the most of your ISA allowances. 📈
Let's work together to ensure your financial goals align with smart, tax-efficient decisions. 🚀 Don't miss out on potential savings—let's make this tax year end with a strategic financial win and contact me today! 💰
The value of your investment can go down as well as up. You could get back less than you invested.
Taxation rules can change at any time and are dependent on individual circumstances.

Emma Ralls Wealth Management Ltd 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) The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.
SJP Approved 16/11/2023 / 02/02/2024

Well done Clyne, so proud of my little cousin ❤️

We're thrilled to announce that the founder of Co-Lab Engineering, has been recognised as one of TechRound's 29 Under 29 honourees! 🚀🌟

TechRound 29 Under 29 is an annual celebration of the U.K. and Europe's most innovative companies and initiatives founded by individuals under 29. It spotlights those who, like Clyne, are disrupting industries and making a mark in their 20s.

In just one year, Clyne has steered Co-Lab towards unprecedented success. His visionary leadership has fuelled a surge of innovation, marking the company as a trailblazer in the engineering realm.

🛑Head over to TechRound to read Clyne's interview🛑

Join us in celebrating Clyne's remarkable achievement and the innovative spirit that drives Co-Lab Engineering forward! WELL DONE CLYNE!! 🎊👏

5 year ago today, I became a qualified financial advisor, and joined Emma Ralls Wealth Management, over the years my confidence has grown and I have gained a fountain of knowledge that I can now share with others.
Thank you to everyone who supported me on my journey.😘
Ralls Wealth Management

Come and meet Santa and the elves on the 16th December at Emma Ralls wealth management in egremont 😘

Emma Ralls Wealth Management Ltd We offer local, friendly face to face financial and mortgage advice.

What a lovely surprise today, I received a lovely bouquet of flowers from a very happy client 🤩thank you, they are beautiful and have made my day x

Oh Thank you, you are so welcome, it’s nice to be able to support an amazing charity in our local community 😘

🌟 A Heartfelt Thank You! 🌟

We owe a huge THANK YOU to Shenda Whelan, financial adviser at Emma Ralls Wealth Management Ltd, and her wonderful family. They generously supported our runners in the September Great North Run fundraiser for the Food Pantry with a £500 donation. 💚

Shenda was a former tenant at Phoenix Enterprise Centre until Emma Ralls Wealth Management moved to new premises in Egremont this summer. Their support means the world to us, and it's heartwarming to see our community come together like this. 🤗

We're still in the process of counting up the total funds raised, and we're thrilled to share that it has exceeded our wildest expectations. Stay tuned for the final tally! 📢

To Shenda and everyone who has contributed, THANK YOU from the bottom of our hearts! 🙏❤️

Thank you to the best friends ever for making my day so special Emma Ralls Wealth Management Ltd,Vickie BarnesSarah GlynnRhiannon Jane DockwrayRhiann StoddartJoan WadeyHaylie Douglas and Gill Bell😘x

Hello all, our new branch in Egremont is nearly ready, our sign is now in place, we are all getting very excited to meet you all x

Shenda Whelan - Financial Adviser at Emma Ralls Wealth Mangement Ltd I am a certified financial and mortgage advisor, with over 17 years of experience. DipPFS, CertCII MP

Well after a busy week at work, what better way to unwind, my 1st ever cold water dip, thanks to RX4 Lakes and Vickie Barnes - Financial Adviser at Emma Ralls Wealth Management x

Well done ladies, casey we are so proud of you x