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.

16/07/2026

Whilst it can be tempting to tackle your finances alone, getting expert advice can make a significant impact on you reaching your financial goals.

A financial planner can help you:
o Define clear financial goals and create a plan
o Maximise pension and investment opportunities
o Make the most of available tax allowances and reliefs
o Ensure your investments align when it comes to risk
o Navigate life events like retirement, inheritance or business succession
o Stay focused during periods of market uncertainty

A financial planner can provide real confidence and clarity when it comes to your finances giving you peace of mind both for the present but also for yours and your families future.

07/07/2026

Many people in their 40s think retirement is still a long way off, but your 40s and 50s are some of the most important years for retirement planning.

Do you know how much you'll need? Are you contributing enough to your pension, making the most of tax relief, and regularly reviewing your pension performance?

Most importantly, do you have a clear plan to achieve your retirement goals?

Reviewing your finances now can help identify any gaps early, giving you more time to act and build the retirement you want with confidence.

04/07/2026

We’re halfway through the year, making it the perfect time to check your finances are still on track.

Are your investments aligned with your goals? Are you contributing enough to your pension and making the most of your ISA and pension tax allowances? Has your attitude to investment risk changed? Are your beneficiaries and estate planning arrangements up to date?

A mid-year financial review is a great opportunity to speak with a financial planner for expert guidance and help keep your long-term plans on track.

30/06/2026

𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝𝐬 𝐯𝐬 𝐒𝐚𝐥𝐚𝐫𝐲 – 𝐰𝐡𝐲 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐢𝐭 𝐰𝐫𝐨𝐧𝐠 𝐜𝐚𝐧 𝐡𝐮𝐫𝐭

For many business owners, dividends have long been the go-to way to take income. But with changing tax rules, the most tax-efficient approach isn't always the same.

Getting the balance right between salary and dividends could help reduce tax, support your retirement planning and improve your overall financial position.

It's worth reviewing your strategy to make sure it's still working for you.

25/06/2026

With over 8 years of experience in the financial planning industry, Lauren has a passion for helping her clients get the most out of their money so they can make the most out of life.

Lauren supports individuals, families and businesses with their financial goals, building a tailored plan and supporting every step of the way.

She works across all areas of financial planning, with a particular passion for pensions, helping clients feel confident about their future and enjoy a stress-free retirement.

Based in Wales and supporting clients across the UK, Lauren is here to help you take control of your financial future.

21/06/2026

Have you heard of intergenerational wealth planning?

This is all around managing your finances to ensure they are protected and passed onto future generations in the most effective way possible.

A financial advisor can offer guidance and support on how to do this, including:

▪️ Investing to preserve wealth for future generations.
▪️ Reducing potential inheritance tax liabilities
▪️ Protecting any family assets and businesses.
▪️ Creating long term financial security

Plan ahead today to ensure lasting security for years to come.

17/06/2026

What would you do if you suddenly inherited £30k?

Would you know the routes to take to ensure you’re manging your money in the right way?

A financial planner can guide you through your options, from understanding inheritance and tax allowances to deciding whether increasing pension contributions or investing would be the best approach to take.

Making informed decisions early can help you make the most of your inheritance and support your long-term financial future.

11/06/2026

If you’re a business owner who is considering how to manage equity, funding pensions could be a good route to take.

Investing in pensions can help business owners retain greater control of their business whilst potentially reducing tax implications.

Speaking with a financial adviser can help you understand the most suitable approach for your business and long-term goals.

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.

Address

Cardiff

Website

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

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