Scott James & Associates

03/09/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider.

Read more: https://www.scottjamesandassociates.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans

01/09/2026

Sorry Halloween. 🎃🧙‍♀️ We're fast forwarding straight to December!!

Did anyone else watch Home Alone 2 over the weekend?! 🎄A bit early.....probably, but we don't care!!! 🤷‍♂️🤣

Let's pretend the pumpkin spice is eggnog because we are getting excited!!🤩

Its only 3 months until our Christmas Advent Calendar giveaway starts again!!! That's 24 gifts that we'll be giving away throughout the month of December, so we thought we'd give you a wee teaser with our new 2026 jingle! 🎶

What gifts would you love to see from us this year?!! 🎄🎁

A big shout out to the team at Lfi Creative for their handy work once again. Much appreciated.

01/09/2026

Anxiety can change the way we view problems. A setback can seem much worse than it really is when we let our emotions take over.

If you are worried about money, that usually means financial security matters to you – which is a positive. Worrying is often a sign that something isn’t right. But it doesn’t always mean there is an immediate problem. Taking time to understand the facts, and talking things through with someone, can help separate genuine concerns from anxious thoughts.

Often, if you have money worries, it can feel easier to ignore a bank statement or account balance. But avoiding or delaying dealing with a problem can make things worse. As with many of life’s challenges, most problems will have a solution.

Anxiety can also cause us to catastrophise. A setback can escalate in your mind until you feel that everything is going wrong. But while these thoughts are understandable, they’re typically driven more by fear than by facts.

Read more: https://www.scottjamesandassociates.co.uk/article/detail/sjpp/finding-control-when-money-feels-overwhelming

01/09/2026

What better way to start September than by celebrating a wee anniversary!! 🥳

Today marks 5 years since Frances Boyle started with Scott James & Associates

They say that time flies when you're having fun and we hope thats been the case for you, Frances.

Here's to the next 5 years and beyond and we look forward to celebrating you, and the contribution you've made to our team, in due course. 🤩😍

01/09/2026

It's time for another ticket giveaway!!!

This Saturday, Aberdeen Football Club take on Kilmarnock at Pittodrie.

We have four tickets to give away, sat in the home enclosure of the South Stand.

To be in with a chance of winning the tickets, please like our page, share this post and tag who you would take to the match.

Winner drawn on Thursday morning.

Stand Free Dandies!!!

#

01/09/2026

Our giveaway winner Liam Johnstone had a great time a Pittodrie on Sunday lunchtime

It's just a shame that the score didn't go as we'd have hoped for Aberdeen Football Club

28/08/2026

Which of these do you think best describes being 'wealthy'?

A) Earning a high salary 💷
B) Owning lots of expensive things 🏡🚗
C) Having financial security and choices for the future 🌱
D) Never having to think about money again 😎

It’s easy to think being ‘rich’ and being ‘wealthy’ are the same thing, but there can be an important difference.

Having a lot of money might allow you to spend more, while building wealth can be more about creating financial security, having choices and planning for the life you want.

It’s also a great conversation to have with children and young people when introducing them to money and financial wellbeing.

👇 what’s your answer – A, B, C or D?

We’ll give you a clue… it’s not necessarily the one with the flashiest car! 😉



This content is for information only and does not constitute financial advice.

26/08/2026

Have you thought about how your withdrawal choices could affect your long-term savings while also helping with care costs?

Making these decisions can feel complicated, but there are simple ways to make it easier. Using different accounts or putting money aside at different times can really help, especially if you're considering future care needs.

By being careful about how and when you take money out, you can keep more of your savings for longer. It’s about looking after your money for the future.

Curious about different ways to approach this? We would love to hear your thoughts!

25/08/2026

25/08/2026

You probably all know by now that Scott has a love of Football and in particular is extremely passionate about his home team Aberdeen Football Club where he has spent many memorable moments.

Scott James & Associates are the official goal sponsor, the main sponsor for the Bi-Annual Hall of Fame Dinner and our newest venture is to sponsor Iona Watt of the Women's Team.

Scott and Iona's Dad have been friends for 46 years (we know, he looks older) and he is really proud to be able to support Robin's family in this way.

We are really excited to be sponsoring Iona and look forward to supporting her and the rest of the ladies as they navigate future matches.

Check out the AFC website for their upcoming fixtures. You never know, there might even be a wee giveaway for some tickets - https://www.afc.co.uk/en/matches/womens-team/fixtures