Hiley Financial Planning

Hiley Financial Planning Tailored financial planning to achieve you financial freedom As a Partner of St. Supporting my advice, St. St. James's Place representatives. Approved 3/3/25

James's Place, I partner with you to achieve your life goals by providing tailored bespoke financial planning for all stages of your life. I help you plan for all eventualities to achieve financial freedom, minimise financial stress and future proof your finances. I provide financial management solutions to individuals and business owners like yourself, and focus on:

• building long term relation

ships and becoming your financial friend;
• helping you build and preserve your capital; and,
• protect you against risk. James’s Place Wealth Management Group has over one hundred in-house experts covering all aspects of wealth management including investment planning, tax advice, pension planning, inheritance tax/estate planning and protection. James’s Place also work closely with specialist, independent solicitors and accountants. My clients include:

• Business owners/entrepreneurs;
• Employed professionals
• Individuals planning for future financial needs and retirement

With a background in running my own SME's alongside a corporate career at Senior Management level in M&S and Tesco, I truly understand your needs as I have been there. This is the reason I transferred my skills across into providing financial advice. Away from the day job I love to spend time in the outdoors with my black Lab and family, supporting friends and family in musical theatre and running our charity the Alice Hiley Memorial Trust. If you would like an informal chat with no obligation, please feel free to connect with me on LinkedIn or send me an email at [email protected]

The Partner 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 title 'Partner' is the marketing term used to describe St.

So… yesterday wasn’t just a big day because Hiley Financial Planning officially launched.It was also Charlotte’s first o...
02/09/2026

So… yesterday wasn’t just a big day because Hiley Financial Planning officially launched.

It was also Charlotte’s first official day in the business! 💜

And honestly… how is she old enough for that?! 😭😂

One minute they’re at primary school and the next they’re turning up to work and starting their career!

Charlotte is joining the business alongside starting her Financial Advice apprenticeship, and I am SO proud of her.

She has lots to learn, plenty of new things to get her head around and, knowing Charlotte, I’m sure it won’t be long before she starts telling me how I should be doing things! 🤣

Launching my new brand and having Charlotte start with us on the very same day made yesterday feel even more special.

A new chapter for the business… and a brand new chapter for her too. 💜

I’m incredibly proud of you, Charlotte. Welcome to the team!

Welcome to my updated business page for Hiley Financial Planning LtdWe support you with tailored financial planning acro...
01/09/2026

Welcome to my updated business page for Hiley Financial Planning Ltd

We support you with tailored financial planning across retirement planning, inheritance tax planning, estate planning, investment planning and protecting your family. We also support corporate financial planning needs.

Please contact us if you’d like to know more.

Hiley 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) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/productSJP

Approved 02/09/2026

🚨 IT’S OFFICIAL… HILEY FINANCIAL PLANNING IS HERE! 🚨After months of planning, lots of thinking, changing my mind, changi...
01/09/2026

🚨 IT’S OFFICIAL… HILEY FINANCIAL PLANNING IS HERE! 🚨

After months of planning, lots of thinking, changing my mind, changing it back again 🤣 and generally obsessing over shades of purple and gold…

Today my new branding officially goes live!

Welcome to Hiley Financial Planning 💜💛

This has been something I’ve been really excited about for a while.

The business has grown and evolved so much over the last few years, and the business and branding needed to catch up!

I wanted something that felt…

Professional, but personal.

Boutique, but approachable.

And definitely not boring or stuffy!

Because yes, we talk about pensions, investments, protection and all the important financial stuff, but really, it’s about people.

Life, family, businesses, plans, goals and dreams and helping you feel more confident about their future.

So today feels like a bit of a TA-DAAAA! moment 🎉

I’m so grateful to all of you who have supported me and the business along the way.

And because apparently launching a whole new brand in one day wasn’t quite enough…

Something else rather exciting is happening in the business today too 👀

How much do you need to retire?It’s one of the questions I’m asked all the time. And the answer isn’t a number.It’s not ...
24/08/2026

How much do you need to retire?

It’s one of the questions I’m asked all the time.

And the answer isn’t a number.

It’s not about whether your pension pot looks “big enough”.

Because two people with very similar pensions could have completely different retirement plans.

What matters is what you want your retirement to look like.

Do you want to travel more?

Work part time for a few years?

Help your children with their start in adult life?

Downsize?

Carry on working because you enjoy it, but have the freedom to choose when and how much you work?

So then we look at

What income will you need?

What other assets do you have?

When will you receive your State Pension and is it full?

This is why retirement planning is about so much more than pensions.

It’s about bringing everything together and asking whether your money supports the life you want to live?

That’s a much more useful question than is your pension big enough?

And if you’re not sure of the answer, that’s the question worth exploring.

A little business news update 💜From September, my business will officially become Hiley Financial Planning Ltd.It’s onl...
20/08/2026

A little business news update 💜

From September, my business will officially become Hiley Financial Planning Ltd.

It’s only a change of name, but it feels like something significant.

When I decided to retrain and move into financial planning, I never imagined that a few years later the business would be as it is with a fantastic support team and Charlotte starting her own journey into the profession as a Trainee Financial Adviser.

There will be a new name and a fresh look from September, but the important things stay exactly the same, it’s still me, still the same personal approach and still all about helping my clients feel more confident about their financial future.

I’m incredibly grateful to every client who has trusted me over the years. Some of you have been with me from the very beginning, and I really don’t take that trust for granted.

Thank you for being part of my journey so far.

I’m very excited about this next chapter. 💜

Inflation has been announced this morning at 2.9%.What does that mean for your money?I was having this conversation with...
19/08/2026

Inflation has been announced this morning at 2.9%.

What does that mean for your money?

I was having this conversation with a client only yesterday afternoon.

We were talking about money held in cash and the comfort of knowing “at least it’s safe.”

And yes, the number in your account may not fall.

But the buying power of that money can.

At 3% inflation, £100,000 today would need to become around £181,000 in 20 years just to buy the same things.

That’s why long-term financial planning is important.

It’s not about chasing returns or trying to predict what markets will do next.

It’s about understanding what your money needs to do, when you’ll need it, and how to give it the best chance of keeping pace with inflation.

Because keeping your money safe and keeping its purchasing power safe aren’t always the same thing.

And that’s exactly why having a plan is something I shout about a lot!

What should I do with my pensions?If you’ve changed jobs a few times, there’s a good chance you’ve got pensions scattere...
17/08/2026

What should I do with my pensions?

If you’ve changed jobs a few times, there’s a good chance you’ve got pensions scattered around different providers.

And if you’re self-employed or running a business, you might also have a personal pension alongside an old workplace pension.

So you might be asking

What should I actually do with them?

Should I:
→ Leave them where they are?
→ Combine them?
→ Move them somewhere else?
→ Start paying into one pension?
→ Take some benefits now and leave the rest invested?

The answer isn’t automatically “combine them all”

Before making a decision, I’d want to look at things like:

📌 What are you invested in?
📌 What are you paying in charges?
📌 What benefits or guarantees do you have?
📌 How flexible is the pension?
📌 Does it fit with your retirement plans?
📌 And importantly, are you even on track for the retirement you want?

Your pensions are likely to be one of your biggest assets.

So rather than simply asking “Where is my pension?”, perhaps ask

“Is my pension going to deliver my future plans?”

If you’ve got pensions sitting in different places and you’re not sure what to do with them, it could be worth getting them reviewed.

Sometimes doing nothing is absolutely the right decision.

But you want that to be a decision, rather than something that’s happened by default.

Address

Culcheth

Telephone

+447775594802

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