Heather Hiley Financial Planning

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Heather 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.

22/06/2026

The decision to downsize can come about for a variety of reasons.

The rise in the cost of living, particularly energy bills, over the past two years means running a large home has become increasingly expensive. For some people, downsizing is about a change in lifestyle in retirement, because they want a property that is easier to manage.

While for others the main motivation might be to release equity, either to supplement income in later life, or to gift to children who want to get on the property ladder.

Taking financial advice can help make sure you downsize at the right time, and for the right reasons.

10/06/2026

Women now hold more wealth than at any point in history, and that trend is set to accelerate over the coming decades.

Driven by inheritance, career progression, and entrepreneurship, female wealth is growing rapidly.

Yet many women still face financial challenges and gaps that can impact long term financial security. And why I speak regularly to groups of women about financial security and wellbeing.

Understanding these challenges, and having the right conversations around money and investing, can make a real difference.

To find out more on the opportunities, barriers, and why tailored financial planning matters more than ever, take a read in the article shared below

08/06/2026

“I thought the pension limit was £60,000?”

This question came up again in a recent client meeting.

And my answer was sometimes it is, and sometimes it isn’t.

(Bear with me, I’m not being vague!)

Many higher earners are surprised to learn that their pension allowance can be reduced based on income. When salary, bonuses, and other employer benefits are added together, the outcome can be very different from expected.

The result?

An unexpected pension tax charge. Or should it be?

It’s not straight forward and where financial planning is key and reminds us that it isn’t just about investments or pension performance.

My role in supporting you as a client is to understand how different parts of your finances work together and making sure we utilise allowances and stay within the rules.

Have you ever been caught out by a tax rule you didn’t know existed?

07/06/2026

If investing is so important, why are millions of people still leaving their future entirely to cash savings?

Truthfully, I understand why because years ago, I didn’t invest either.

In my 20s, I thought investing was something you did later in life, once you had “more money” or felt more financially established. Looking back now, I really wish I’d started earlier, even if it had only been small amounts.

That’s why this article from The Independent is worth a share. It shows that

• Millions of people still hold the majority of their savings in cash
• Many feel investing is “only for the wealthy”
• A large proportion of adults have never invested at all
• Fear of getting it wrong remains one of the biggest barriers

One of the biggest lessons I share to clients is that you do not need to start big. You just need to start.

Most successful long-term investors didn’t begin with huge lump sums or perfect timing. They started with small, manageable steps and built confidence over time.

That’s exactly how I approach this with clients.

We focus on:
✔ Building good habits first
✔ Creating a plan that feels achievable
✔ Starting at a comfortable level
✔ Increasing contributions gradually over time

Because consistency matters far more than perfection.

Too often people delay investing because they think they need “more money”, “more knowledge” or “the right moment”.

In reality, getting started is usually the most important step.

Your future self will almost certainly thank you for it 🙏

https://www.independent.co.uk/money/investing-money-savings-aviva-accounts-b2983175.html

04/06/2026

I had a great day yesterday joining the investment conference virtually from the comfort of my desk. The day was hosted by Darren Johnson who as usual made it all look easy!

Lots around markets, economic trends, and the challenges and opportunities facing investors in these uncertain times. Along with listening to some of our fund managers, and understanding the complexities of running a fund and the choices within. Helps understand what you get when you choose a fund and what you’re paying for.

One statistic that was shared that I often discuss with clients, was about longevity. And it should make you think.

“For a couple aged 65, there is around a 50% chance that at least one of them will live beyond age 90”

That’s incredible! And if you retire at aged 60 it’s shows how much life can still lie ahead after retirement. It’s important to think about how your pension pots and wealth will support potentially 30 years (or more) of retirement.

Longer lives are something to celebrate, but they also bring important planning considerations. Will your income last? How should investments be structured to balance growth and stability? How can you maintain flexibility for the unexpected?

Retirement planning is about making sure your money supports the life you want to live throughout it.

When you think about retirement, do you focus more on the money or the life it needs to support?

02/06/2026

Three quick money check-ins to make before summer ☀️
(Each takes less than 5 minutes so no excuse!)

Financial confidence isn’t built through huge dramatic changes.
It’s built through small, consistent actions that help you stay in control.

This week, review:

✔️ Your direct debits
✔️ Your savings rate
✔️ Your pension contributions

Tiny tweaks really do compound over time.

So many people tell me they feel overwhelmed by “sorting their finances” but it becomes much more manageable when we focus on one small step at a time.

A little review now can make a big difference later 💛

What’s one thing you’ve checked recently that helped you feel more financially organised?

28/05/2026

The real power isn’t investing. It’s time.

Investing often gets discussed in terms of returns or markets.

But this year’s data within the Financial Health Report, reinforces something more fundamental and that is that time matters more than timing.

Average household wealth rises to £269,690 for those investing for more than five years.

When combined with ongoing advice, that figure increases to £374,985.

Compared to non-investors, the differences are significant:

* 71% of long-term investors say their wealth has increased over 10 years (vs 25% of non-investors)
* 87% feel financially resilient (vs 52%)

The message is consistent across the data that it’s not just investing that makes the difference, it’s staying invested long enough for behaviour to compound.

All figures stated are within the Financial Health Report 2026

On behalf of SJP, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population

26/05/2026

Advice isn’t just about guidance. It changes outcomes.

Across every measure in this year’s research, shared in the Financial Health Report 2026, one pattern repeats.

Those who receive financial advice consistently report stronger financial outcomes.

* £193,960 average wealth with advice (last 10 years)
* £67,334 without advice
* £298,079 with ongoing advice

And the gap isn’t only financial.

41% of those with ongoing advice say their situation improved in the past year, compared to 13% without.

They are also more likely to feel financially comfortable, resilient, and in control.

What stands out is that advice doesn’t just respond to financial complexity.

It appears to help people navigate it more effectively over time.

Intformation taken from the Financial Health Report 2026

On behalf of SJP, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

24/05/2026

Saving comes naturally to many people in the UK. But investing? Less so.

Despite strong saving habits, millions don’t take the next step into investing. Confidence, familiarity and understanding all play a part.

The article below looks at why this gap exists and how initiatives like the Invest for the Future campaign aim to encourage more people to consider investing for the long term.

The value of your investment can go down as well as up. You could get back less than you invested.

Heather Hiley Financial Planning represents only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 5/11/2026

Address

Culcheth

Telephone

+447775594802

Website

https://www.hhfinancialplanning.co.uk/

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