HJP Chartered Financial Planners

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HJP Chartered Financial Planners For the life you plan, and the life that happens we can offer our expert financial advice. Helping you achieve your financial freedom.

Chartered Financial Planners based in Dorking, Surrey.

If you have life insurance or critical illness cover, the amount paid out might stay the same while the cost of living c...
21/10/2026

If you have life insurance or critical illness cover, the amount paid out might stay the same while the cost of living continues to rise. Over time, that could mean the policy provides less financial support than you originally intended. That’s why it’s worth considering ways to help your protection cover keep pace with inflation, so it continues to provide a valuable safety net for you and your loved ones.

https://www.hjpcfp.com/article/detail/sjpp/shielding-protection-cover-from-inflation

SJP Approved 14/10/2026

How can you make your pension work harder in retirement?Retirement no longer means simply stopping work. You may choose ...
19/10/2026

How can you make your pension work harder in retirement?

Retirement no longer means simply stopping work. You may choose to work less, take income gradually or combine different sources of income to support the lifestyle you want.
But with more flexibility comes more decisions.

From when to take your pension to how much income to draw and how to manage tax, careful planning can help make your retirement income more sustainable.

Planning for retirement? Start by understanding your options: https://www.hjpcfp.com/article/detail/2026/october/how-to-draw-an-income-in-retirement-tax-efficiently



HJP Chartered Financial Planners 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.

HJP Chartered Financial Planners is a trading name of HJP Wealth Management Ltd.

SJP approved 15/10/2026

From April 2027, most unused pensions and death benefits will fall into estates for IHT purposes. In some cases, inherit...
14/10/2026

From April 2027, most unused pensions and death benefits will fall into estates for IHT purposes. In some cases, inherited pensions may be subject to both inheritance tax (IHT) and income tax.

However, if your pension is passed to your spouse, no IHT needs to be paid on the unused funds.

Read more: https://www.hjpcfp.com/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

SJP Approved 29/09/2026

What could the Autumn Budget mean for your finances?A panel of specialists from St. James's Place, featuring Hetal Mehta...
13/10/2026

What could the Autumn Budget mean for your finances?

A panel of specialists from St. James's Place, featuring Hetal Mehta, Chief Economist, Claire Trott, Head of Advice, and Niall McGregor, Divisional Director: Advice Policy, hosted by Andy Payne, Director of Advice Support, will provide a clear and practical overview of the key announcements, exploring what they could mean for individuals, families and long-term financial planning.

📅 Monday 2 November
⏰ 10:30am - 11:30am

Join us for expert insight and guidance following the Budget.

Register here: https://events.zoom.us/ev/AvUSAkA7CfPizt2Txyds-3xG2ucjXR0jagL8VrVI_mggY9Cyqlof~Ahu1X8VimZFG_JuFYTlEp7uzvErzsdR41qkTuE5fp7jZvplXkMfCLrwgvQ

HJP Chartered Financial Planners 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 09/10/2026

Figures show women are substantially more likely than men to take a career break during their working life.1 Whether it’...
08/10/2026

Figures show women are substantially more likely than men to take a career break during their working life.1 Whether it’s maternity leave, caring for young children, or looking after elderly family members, the responsibilities that lead to time out of paid work are more likely to impact women.

But while career breaks are often a positive experience, they can have long-reaching effects, both financially and on women’s confidence about returning to work.

Read more: https://www.hjpcfp.com/article/detail/sjpp/the-missing-years-caring-career-pauses-and-long-term-planning

SJP Approved 25/09/2026

More than 600,000 businesses have experienced a cyber security breach in the past year, according to the government’s la...
07/10/2026

More than 600,000 businesses have experienced a cyber security breach in the past year, according to the government’s latest figures.1

Small-to-medium businesses are particularly vulnerable as they are less likely to have sophisticated internal IT experts to monitor and deal with cyber risks on an ongoing basis.

As cyber security awareness month kicks off, read the St. James's Place’s (SJP) cyber security team's top tips on how to keep your business cybersafe.

Read more: https://www.hjpcfp.com/article/detail/sjpp/is-your-business-cybersafe

Source
1Cyber security breaches survey 2025/2026, UK Government, 30 April 2026

SJP Approved 01/10/2026

Financial bubbles have been present in financial markets for hundreds of years. The growth of railways during the Victor...
06/10/2026

Financial bubbles have been present in financial markets for hundreds of years. The growth of railways during the Victorian era, the dot.com sector at the turn of this century, residential property in China’s main cities and cryptocurrencies all exhibited bubble-like behaviour.

The dot.com era is one of the clearest examples of what can happen. Investors rushed into technology stocks. This drove the Nasdaq index up more than sixfold before it suffered a dramatic collapse in March 2000. It took the index another 15 years to recover to its historic peak.

If bubbles follow a familiar pattern, why do they keep happening and why are so many investors caught up in them?

Read more: https://www.hjpcfp.com/article/detail/sjpp/financial-bubbles-great-stories-but-bad-investments

SJP Approved 25/09/2026

What would happen to your business if you couldn’t work?For many business owners, their income and the success of their ...
29/09/2026

What would happen to your business if you couldn’t work?

For many business owners, their income and the success of their business are closely connected to their ability to work.

58% of business owners say they would be concerned about a loss of income due to illness or injury.

Yet 58% of SMEs are either unprotected or unsure whether they have cover in place.

It’s easy to focus on the day-to-day running of your business and overlook what could happen if illness or injury meant you couldn’t work.

Have you considered how your business and income would be affected?

HJP Chartered Financial Planners 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.

HJP Chartered Financial Planners is a trading name of HJP Wealth Management Ltd.

SJP approved 16/09/2026

Address

176 South Street
Dorking
RH42ES

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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