Hannah Lake - Financial Adviser

26/08/2026

💷 Could upcoming pension changes affect your inheritance tax plans?

📔 Read the full article here:
🔗https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

10/08/2026

One of the most thought-provoking books I've read recently is The Psychology of Money by Morgan Housel.

One idea that really stayed with me is the difference between feeling rich, being rich, and being wealthy.

💳 Feeling rich is spending money to create the appearance of success.

💷 Being rich is having a high income or substantial assets that allow you to spend more.

🌱 Wealth is something different altogether. It's the money you don't spend. It's the financial security you're quietly building for your future.

We often admire what we can see - the new car, the dream holiday, the designer watch - but real wealth is usually invisible.

It's the pension that's been consistently invested for years, the ISA that's quietly growing, the emergency fund that provides peace of mind, and the discipline to think long term rather than seeking short-term gratification.

The encouraging part is this...

You don't have to start with wealth to become wealthy.
Wealth is built through consistent habits, patience, self-control and allowing time to work in your favour. Small decisions, made consistently over many years, can have a remarkable impact on your financial future.

As Morgan Housel writes:
"The highest form of wealth is the ability to wake up every morning and say, 'I can do whatever I want today.'"

Financial planning isn't just about growing your money - It's about creating choices, security and freedom for the future.

If you'd like some guidance on building long-term financial security, whether that's planning for retirement, investing for the future, or simply making your money work harder for you, I'd be delighted to help.

Together, we can create a plan that's built around your goals, giving you the confidence to make informed decisions today for a better tomorrow.

The value of your investment can go down as well as up. You could get back less than you invested.
Cleeve Financial Planning 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).
SJP Approved 16/07/2026

05/08/2026

One thing that's surprised me since becoming a financial planner is this...

Almost everyone I meet underestimates what's possible.
People often begin by telling me what they can't afford, why they'll never be able to retire early, help their children financially, or achieve the lifestyle they'd really like.

Recently, I sat down with a close friend to start putting together her financial plan.

The first thing I said was:
"Forget what you think you can afford for a moment... tell me what you'd love to achieve."

That completely changed the conversation.

We talked about her goals first, then looked at where she is today.
We worked through her budget, challenged a few misconceptions she'd always believed about money, and built a plan around what was actually achievable.

Will it happen overnight? No.

Will it take commitment, patience and some discipline? Absolutely.

But that's the beauty of financial planning.
It's not about finding a magic investment or making one perfect decision.
It's about understanding where you want to get to, putting a realistic plan in place, and making small, consistent decisions that move you closer to your goals year after year.

My job isn't simply to recommend products.
It's to help you stay on track, review your progress, adapt when life changes, and remind you why you started in the first place.

You might be surprised by what's possible when you stop focusing on what you think you can't do, and start planning for what you really want to achieve.

If you've got goals for the future but aren't sure how to get there, I'd love to help you build a plan to make them a reality.

📩 Get in touch for a friendly, no-obligation conversation.
Cleeve Financial Planning 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).
SJP Approved 16/07/2026

29/07/2026

The latest issue of The Investor magazine is here, this time focusing on women and wealth.

Whether you're building wealth through your career, growing a business, planning for retirement or preparing to manage inherited wealth, understanding the landscape is essential.

Read more here:
https://www.sjp.co.uk/individuals/news/women-and-wealth-a-growing-frontier


Cleeve Financial Planning 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 22/07/2026

Women own more wealth than at any time in history. Money is being earned, created through entrepreneurship, and inherited by women through wealth transfer at a rapidly growing rate. But for many women there are still significant barriers to growing their wealth and gaining financial security. This i...

16/07/2026

The financial landscape is changing...
📈 ISA rules continue to evolve.
🏡 Most pensions are set to become part of Inheritance Tax planning from 2027.
💷 Tax allowances and legislation don't stand still.
One thing that hasn't changed is the value of having a financial plan.
The earlier you understand your options, the more opportunities you have to make informed decisions rather than rushed ones.
Whether you're saving, investing, planning for retirement or thinking about passing wealth on to the next generation, don't wait until the rules change again.
The best time to start planning was yesterday. The next best time is today.
If you'd like some guidance on making the most of your finances and building a plan around your goals, I'd be delighted to help.
📩 Get in touch for a friendly, no-obligation conversation.
Cleeve Financial Planning 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).
SJP Approved 16/07/2026

08/07/2026

It’s natural to hope for the best. But it’s also a good idea to have a back up plan.

If your income stopped tomorrow… would your family be financially OK?

Protection insurance isn’t something people want to think about, but it’s one of the most important parts of financial planning.

Think about it this way:
– Life insurance can protect your family if you’re no longer here
– Income protection can help replace your earnings if you can’t work
– And critical illness cover can provide a lump sum at a really difficult time

Ultimately, protection helps the people you love stay financially afloat if something unexpected happens.

So, the real question isn’t ‘can you afford protection?’

It’s ‘can you afford to be without it?’

If you’re unsure what cover you need, let’s have a chat.

Cleeve Financial Planning 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 30/6/2026

What is protection and why do I need it?

26/06/2026

Financial Guidance Drop-In Clinic

Do you have questions about your financial future?

I will be hosting a drop-in clinic at Neetside Community Centre (room 7) on 9th July from 9am to 1pm, offering an opportunity to discuss general financial planning topics in a relaxed and informal setting.

Whether you would like to learn more about:

• Investing and building long-term wealth
• Protecting yourself and your family
• Retirement and pension planning
• Saving for future goals
• General financial planning considerations

you are welcome to drop in for an informal conversation.

The clinic is designed to provide general information and answer questions about financial planning. If, following our discussion, you feel that you would benefit from personal financial advice, we can arrange a separate meeting to explore your circumstances in more detail.

There is no charge to attend, and no obligation to take things further.

Cleeve Financial Planning, Senior Partner Practice of St. James's Place Wealth Management

Cleeve Financial Planning 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. Cleeve Financial Planning is a trading name of Cleeve FP Limited.

SJP Approved 25/06/2026

23/06/2026

"what matters most" isn't a thing—it’s them.

Life is built on the promises we make to the people we love. Whether you are a single parent going it alone, a married couple building a future, or someone navigating a new chapter, that promise remains the same: to always be there for them.

It is often difficult to think about the "what if's," but the true impact of the unexpected isn't just financial - It's the emotional weight of not being able to support those who rely on you every day.

True peace of mind comes from knowing that your family’s world can keep turning, no matter what life throws your way. It’s about ensuring that your ability to provide is as resilient as the love you have for your family.

Is your current safety net still a perfect fit for your life today? Let’s work together to review your protection and ensure your loved ones are truly secure.

Contact me today to schedule a review.

Cleeve Financial Planning 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 [23/06/2026]

09/06/2026

Women’s wealth is growing, but so is the need for greater financial confidence.

Women’s wealth is growing, but so is the need for greater financial confidence.

More women are building wealth through careers, entrepreneurship and inheritance. Yet many still face structural and financial barriers that can affect long‑term outcomes.

Our new series explores how women can feel more empowered when navigating their finances. Read the first article of the series now: https://ow.ly/QWcO50Z9jMI

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 8/6/2026

09/06/2026

Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.