Mearns-Begley Wealth Management

🔊 With the Budget just over a month away, we look at some of the potential changes being speculated about 👉 https://lnkd.in/e3w9hYTf

🤔 Are you looking for financial independence? If you are feeling as though you might be starting on the back foot, read our guide and get ahead. 👉 carleymearns.co.uk

👋 We understand that the balance between short term savings and longer-term investment planning has to be flexible for those starting their career. Read our guide to find out more about how this can apply to you.

🗣The St. James’s Place Real Life Advice Report carried out by Opinium surveyed just under 12,000 individuals across the UK between May and August 2024 to understand how financial advice and guidance of all forms impacts individuals and families across the UK.

🗒The first chapter, released today, provides a snapshot of the real-life impact of financial advice & guidance in the UK, some highlights of which are shared here.

🔑But importantly: when taken, financial advice or guidance creates positive impact across all walks of life, no matter where people live, their gender or age 👇https://partnership.sjp.co.uk/article/detail/sjpp/whats-the-real-life-value-of-financial-advice.html

Mearns-Begley Wealth Management 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 10/09/24

📰 It's here! Published in the Daily Telegraph today - The final edition of the 2024 Guide to Top Rated Financial Advisers.

😊 Delighted to have qualified with top rated status for the 4th consecutive year. A huge thank you to all those who have supported me! 👇

https://media.licdn.com/dms/document/media/D4E1FAQGQQHHvYR-YIA/feedshare-document-pdf-analyzed/0/1726149692581?e=1727308800&v=beta&t=fypCKI8nHvTuBDuPZNquI2Jey4MTrLHBDxjsb_7CiOA

👋How can we put you on the path to financial wellbeing?
📗 Download our guide about our approach to advice and what to expect at https://partnership.sjp.co.uk/advice-and-services/investment-planning

😕 We know that business success and your personal finances are closely connected but hitting the right balance between them can be tricky. ☕Download our guide to find out how we can support you. 👇

📩https://lnkd.in/evYXHnyy

📊 Secure your financial future in your 30s with strategic investment planning. Start exploring smart investment options now to achieve your long-term goals. It's never too early, download our guide to find out how you can begin. 👇

cloud.comms.sjpp.co.uk The Partner 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) for the purpose of advising solely on the group's wealth management products and services, more details of which are set ou...

🤔 Many small businesses overlook key person insurance, which can put their operations at serious risk if a crucial team member is unexpectedly unavailable.
💡 Learn how key person insurance can help protect your business and ensure continuity even in challenging times

👉 https://lnkd.in/eK5Tmhn7

🤔 Is it better to save or to invest your money? Each can support your financial wellbeing and future goals, but in different ways. We look at the differences, the pros and cons, and what it means for you and your family 👇

https://lnkd.in/eEFEhXnC

"A plan for good times – and challenging ones."

SJP client and business owner Ian Cruickshank, 42, explains how one-to-one financial advice has helped his family in good times and bad.

Discover the relief of invaluable advice: carleymearns.co.uk

Mearns-Begley Wealth Management 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 07/08/2024

We all need advice on life’s journey to have the confidence to take the next step. Discover how one-to-one financial advice can help you: https://lnkd.in/dZHPdGyd

Mearns-Begley Wealth Management 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 02/08/2024

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🤔 How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you. 👇

https://lnkd.in/dEyHpKau

😕 For busy professionals such as lawyers and accountants, finding time to review your long-term financial plans could prove a challenge. How can you stay on top of your financial planning with a demanding career? 👇

https://partnership.sjp.co.uk/article/detail/sjpp/how-to-stay-on-top-of-your-financial-planning-with-a-demanding-career.html

😁Secure your financial future in your 30s with strategic investment planning. Start exploring smart investment options now to achieve your long-term goals.
☕It's never too early, download our guide to find out how 👇

https://cloud.comms.sjpp.co.uk/thirties-guide?practiceCode=916701P&partnerCode=916701P&concept=number&utm_source=social&utm_medium=facebook&utm_campaign=number_partner_thirties&utm_source=sfmc&utm_term=Click+here&utm_content=279283&utm_id=f1bf7547-cf7e-4955-8a05-267b1d613a2d&sfmc_id=447360152&sfmc_activityid=9891dd1e-2343-49fb-9230-a26e5b295421&utm_medium=email

🤗 ​​​​​​​It’s no secret, with a savvy saving strategy and some good investing habits, you can plan to retire before 60.
📰 Download our guide today to find out how you can put this plan into action. With our help, you can design the retirement you deserve 👇

https://rb.gy/irq8v7

😁Downsizing to a smaller, more manageable property can make life simpler and cheaper.
👨‍👨‍👧‍👧The thought of downsizing is a more frequent reality for many – in response to a change in circumstance, to release cash to spend on yourself or for supporting loved ones.
👋Always take financial advice to ensure you know all your downsizing options – you may have more options than you imagine.👇

Is downsizing the right move? Is downsizing the right move?

🤔 Making a voluntary contribution to your State Pension pot could be an efficient way to put money towards your retirement, but it’s important to consider all the implications. 👇

Maximising Financial Security: The crucial role of wealth managers for personal injury and clinical negligence victims Maximising Financial Security: The crucial role of wealth managers for personal injury and clinical negligence victims

😱 The cost of independent school fees continues to rise, despite recent falls in the inflation rate. What are your options if you want to give your children a private education? 👇

https://lnkd.in/etn7vh_9

🙃Is the first year in business the hardest? It doesn’t have to be. Focus on these key priorities to give your company its best chance of success:

https://partnership.sjp.co.uk/article/detail/sjpp/planning-for-your-first-year-in-business-as-a-start-up.html

🤔Once you pay off your mortgage, you’ll have more money spare each month.
📈Rather than see this money ‘disappear’ into your day-to-day budget, consider how much it could be worth if you invested it.
👋A financial adviser can help guide your through your different options to help bring that dream retirement a few steps closer.👇

Paid off your mortgage? Time to invest in yourself Paid off your mortgage? Time to invest in yourself

✅ Whether you are drawing closer to your exit or starting to consider it, making sure you have an in-depth financial plan will help you understand crucial details when selling your business.

😁 For example, helping to solidify your post-exit goals and regularly reviewing your plan to update in line with changes in your business, personal life and the economy 👇

https://lnkd.in/eys9WAyr

7️⃣ Last week's market movements in 7 minutes...https://lnkd.in/eh9fSG7k

📈 Stock markets continued to grow last week, as improving inflationary data in the US encouraged continued optimism from investors.

🌍 In particular, the US Index, the Dow Jones, broke the 40,000 mark for the first time ever & UK wage growth is currently outpacing inflation.

📷 Around one million UK families could have multiple generations in retirement at the same time within the next 10 years. As a result, retirement income will need to stretch across multiple generations.

😁As an employer, optimising your pension scheme could help you attract and retain staff.
✅Pensions can offer a more tax-efficient way to enhance remuneration, compared with salary increases.
👋Even if you already have a pension scheme in place, it’s worth reviewing this to ensure it’s still appropriate for your workforce. Contact us for advice.👇

An employer’s guide to workplace pensions: how to review and optimise your scheme An employer’s guide to workplace pensions: how to review and optimise your scheme

🤯Families paid £4.6 billion in Inheritance Tax (IHT) through the first seven months of the 2023/24 financial year (April to October) – up 12% on the first seven months of 2022.
😁Reducing the value of your estate during your lifetime will mean that your family will owe less IHT in the future.
🤔Many people know that they can gift money to reduce their IHT liability, but not everyone knows how workplace pensions and death-in-service benefits can be ringfenced to avoid IHT.
🤗Inheritances can be life changing. An inherited lump sum can send children or grandchildren to great schools, or on great gap years. They can mean a mortgage paid off early, or a new business launched.

🥰So, not surprisingly, leaving a good legacy is high on most people’s financial wish lists. And the less Inheritance Tax (IHT) your family will pay, the more you’ll pass to them.👇

Don’t leave your family an avoidable IHT bill Don’t leave your family an avoidable IHT bill

😁 The more you earn, the more you stand to gain by taking full advantage of the tax reliefs and allowances available to you.
✅ Seeking expert financial advice can help you make sure your money is working as hard for you as possible.
🤯2023 saw the removal the lifetime allowance penal tax charges, but from April 2024 the lifetime allowance is being abolished and replaced by allowances that restrict only tax-free lump sums paid.
🤔 2023 also saw the increase in the pension annual allowance, to £60,000, which may offer additional savings options. 👇

Five pension considerations for directors and executives Five pension considerations for directors and executives