Lauren Carless Financial Planning

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Lauren Carless Financial Planning

Helping Individuals and business owners reach financial independence with clarity and confidence. Associate Partner Practice of St.

James's Place Wealth Management based in Cardiff.

03/06/2026

Nearly time for a mid-year financial review?

Seeking guidance from a trusted financial planner means you have consistent monitoring and support year-round.

Ensure you reach your financial goals this year.

31/05/2026

💭 What’s your biggest money goal this year?

A wedding. A first home. A dream holiday. Or simply feeling more in control of your finances.

Whatever it looks like, the challenge is the same, knowing where to start and how to make your money work towards it.

A financial planner can help put a plan together, tailored to your goals, timeframes and comfort with risk, so you’re not just hoping it works out, but planning for it with purpose.

27/05/2026

UK pensions 101, what you need to know…

🇬🇧 You get tax relief on contributions (usually at your marginal rate)
🇬🇧 The annual allowance is currently £60,000 (or 100% of earnings, whichever is lower)
🇬🇧 The lifetime allowance has been removed, but pension withdrawals are still taxed in certain ways depending on how and when you take them
🇬🇧 You can usually access pensions from age 55 (rising to 57 from 2028)

Pensions can also be very tax efficient; they can also benefit from long-term investment growth and compounding.

Used well, pensions can be one of the most effective ways to build your retirement income.

22/05/2026

Investments vs Savings. It’s not always about choosing just one.

Savings provide stability and access when you need them, whether for emergencies or planned costs. While the aim of investments is to focus on long-term growth.

A strong financial plan usually includes both, stability today, growth for tomorrow. A trusted financial planner can explain this in more detail.

19/05/2026

Booked your summer holiday yet?

It’s not just about this year, planning smart now means you can enjoy the same holidays during your retirement.

Making sure your pension is on track now can help keep those future holidays within reach.

Keep that passport ready and seek the advice of a trusted financial planner to guide your future.

06/05/2026

Global markets will always move, sometimes sharply and often unexpectedly.

It’s easy to feel the urge to react in the moment, but short-term shifts don’t always reflect long-term plans. Decisions made in response to volatility can sometimes do more harm than good.

This is where taking advice matters. A financial planner can help you step back, consider the wider picture and weigh up all possible outcomes before making changes.

Staying focused on your goals is often the most effective strategy.

29/04/2026

Running a business isn’t just about the daily operations, it’s about making financial decisions that support growth.

A financial planner can help by providing guidance on key areas such as:
• Recognising tax reliefs and allowances
• Reviewing pension contributions
• Restructuring cash flow to free up capital for investment
• Making the most of ISA allowances
• Diversifying investments for long-term growth

With advice tailored to your business and personal goals, you’re not just managing money, you’re allowing for sustainable growth.

24/04/2026

Checkpoint Ahead!

Financial check points are your opportunity to pause, review and take control.

They help ensure your plans are on track, investments stay balanced and you’re making the most of opportunities like tax-efficient savings or pension contributions.

Regularly checking in isn’t just about tracking numbers, it’s about making informed decisions that keep your long-term strategy on course.

This is where a Financial Planner can help you stay on track and make informed decisions.

20/04/2026

With the 2026/2027 ISA allowance now available, it’s a good time to review your savings strategy.

Using your full allowance allows your money to grow tax-free, but it’s worth looking at other options too. Considering other savings and investment opportunities, be that pensions, stocks and shares or a diversified portfolio, can help ensure your money is working efficiently and growth is aligned with your goals.

Planning early gives you more control and flexibility over your financial future.

16/04/2026

A new tax year, a fresh financial start.

Now is an ideal to refocus your finances and make sure you are planning your moves for your future effectively and efficiently.

Not only can you reduce tax but acting early, you can make informed decisions about the wider business as cashflow, and growth can change as a result of proper planning.

A proactive approach is always better than a reactive one, give yourself clarity and confidence that your investments and plans will work as hard as you do.

Address

Cardiff

Website

https://partnership.sjp.co.uk/partner/lcfinancialplanning

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