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01/09/2026

📰 NEWS: Capital gains tax take reaches record levels 📰

HM Revenue & Customs (HMRC) recorded £24.2 billion in capital gains tax (CGT) receipts in the 2024/25 tax year, the highest level on record.3

This represents an increase of 82% compared with the previous tax year. The number of people paying CGT rose by 45% over the same period, reaching 584,000.

This sharp increase in CGT payments follows rate changes announced by former chancellor Rachel Reeves in her first Budget in October 2024. CGT increased from 10% to 18% for basic rate taxpayers, and from 20% to 24% for higher and additional rate taxpayers.

In addition, there have been successive reductions to the annual tax-free allowance for CGT.

In the tax year 2022/23 the allowance stood at £12,300 before falling to £6,000 in 2023/24. It was then cut to £3,000 in the 2024/25 tax year and has remained at that level since.

Source: HMRC, Capital Gains Tax commentary – August 2026

27/08/2026

The life insurance you arranged when you first bought your home may have been perfectly appropriate at the time.

But what has happened since?

Perhaps your income has increased. You've moved to a larger property. Had children. Taken on school fees. Started a business. Or become the primary earner in your household.

The financial consequences of losing an income can change enormously as life develops.

That's why protection deserves to be reviewed alongside pensions and investments.

Life cover, critical illness protection and income protection each address different risks. The appropriate level of cover should reflect the financial commitments and people relying on you today, rather than the circumstances you had when a policy was originally arranged.

As your family grows, it's worth making sure your financial safety net grows with it.

25/08/2026

TESTIMONIAL TUESDAY 🌟🌟🌟🌟🌟
"I’ve had an excellent experience working with Jayna. She always takes the time to understand my goals and long-term plans in an easy to follow manner. I always feel
informed and confident in all my decision making.
She is also incredibly responsive and proactive, regularly checking in and making adjustments as my circumstances evolve.
I feel much more secure about my future knowing I have someone knowledgeable and trustworthy guiding me.
I would highly recommend her.
I have an annual review which has shown Jayna’s advice to be sound."

21/08/2026

How many employers have you had during your career?
And could you confidently say where every pension from those jobs is today?

Changing jobs several times during a career is now perfectly normal, which can leave people approaching retirement with several pension pots held with different providers.

Auditing your pensions can help you understand what you've accumulated, how those pensions are invested, the charges you're paying and what income they could eventually provide.

The important first step is understanding exactly what you have.

A pension accumulated twenty years ago may feel distant, but it could still play an important role in the retirement you're planning today.

19/08/2026

How can you use your wealth to help your children without compromising your retirement?
It’s a conversation many parents have as their children reach adulthood.

Perhaps they need help with a first home deposit, university costs, a wedding or simply getting established at a time when the cost of doing so can feel particularly high.

If you’ve accumulated significant savings or investments, you may be in a position to help. But before making a substantial gift, there’s an important question to answer:
❔ How much can you comfortably afford to give away?

Cash-flow planning can help you look decades ahead, considering your expected retirement income, expenditure, investments and potential later-life needs.

You may discover you can afford to be more generous than you thought. Or you may decide that retaining more capital for now is sensible.

Either way, having the numbers behind the decision can allow you to help your family with greater confidence.

14/08/2026

What did you learn about money growing up?
Today is National Financial Awareness Day, so we want to spark a conversation about the financial lessons that pass from one generation to the next.

Children learn about money long before they have a mortgage, pension or investment portfolio. They learn from watching how we save, spend and talk about it at home.

For us at JPS Wealth Management, financial education is something particularly close to our hearts. Our Director Jayna Shah recently had the opportunity to take that message into a local school, speaking to around 70 pupils about personal finance.

We believe greater financial confidence starts with making money something we can talk about openly – at home, at school and throughout adult life.

The conversations we have today can influence financial habits for decades.

11/08/2026

WEEK WATCH: Weathering the drought ☀️🚜
While opinions may vary on whether the current hot, dry summer is nicer than Britain’s typical grey and drizzly experience, its effects on farming are less up for debate.

According to the Agriculture and Horticulture Development Board (AHDB), the heat has encouraged the spread of Bluetongue (a disease that particularly affects sheep) across southwest England. At the same time, several crops – such as winter wheat – are experiencing notably poor yields. Lower food production are likely to translate to inflationary pressures, though the extent of this may take time to fully materialise.

The weather situation is equally tough on mainland Europe. As well as the humanitarian costs, the wildfires that spread through France and Spain are estimated to have cost billions of euros in damages. Meanwhile, low water levels in rivers such as the Rhine have meant commercial shipping vessels have had to lighten their cargo.

So far, however, the weather hasn’t put too much of a dampener on equities. Both UK and EU markets are trading at, or near, all-time highs on the back of strong company results and optimism around a potential deal with Iran.

Read more here:
https://partnership.sjp.co.uk/jaynashah/article/detail/sjpp/weekwatch-10-08-2026.html

05/08/2026

WEEK WATCH: The summer slowdown in the UK housing market has been sharper than usual, with Bank of England statistics suggesting homebuyers are putting plans to buy on hold.

While mortgage approvals for house purchases increased to 58,200 in June, up from 56,200 in May, this represents a decline from an average monthly figure of 61,400 over the previous six months.*

Factors behind this include higher mortgage rates driven by market uncertainty due to the protracted conflict in the Middle East.

*Source: Bank of England, Money and credit statistical release – June 2026. Published 29 July 2026

Read more here:
https://partnership.sjp.co.uk/jaynashah/article/detail/sjpp/weekwatch-03-08-2026.html

29/07/2026

Behind every financial plan is a story.

✨ A family looking to protect what they've built.
🌟 Parents hoping to create opportunities for their children.
💫 Someone preparing for retirement after decades of hard work.
⭐ Or a business owner thinking about what comes next.

Financial planning isn't about spreadsheets and forecasts alone. It's about understanding the people behind them and helping turn ambitions into achievable goals.

That's why every plan should be as individual as the person it's built for.

23/07/2026

Millions of people will have to wait longer to receive their state pension under plans to bring forward the rise in the state pension age.

The state pension age is currently 66 and will rise to 67 in April 2028. Under current rules, a further increase to 68 is due to happen between 2044 and 2046.

But the Office for Budget Responsibility (OBR) has confirmed the government intends to increase the state pension age to 68, between 2037 and 2039, seven years earlier than previously intended.

According to the OBR, bringing the change forward would save the government around £6 billion a year.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Source: Office for Budget Responsibility, Fiscal risks and sustainability, July 2026

Address

14A Montpelier Place
Brighton
BN13BF

Telephone

+441273030770

Website

https://www.jpswealthmanagement.co.uk/

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