HJP Chartered Financial Planners

01/09/2026

🎉 Welcome to the team!

We’re delighted to welcome Ella Manning to the team as our new Apprentice Financial Administrator.

Ella spent almost two years in property management, progressing from Junior Property Manager to Property Manager within just five months. She also has three years’ experience working at a golf club across a variety of roles, including catering, cleaning, bar work and supporting a golf coach with children’s lessons and summer camps.

She also completed work experience at the Department for Energy Security & Net Zero, where she worked within Grant Shapps’ private office and had the opportunity to visit No.10 Downing Street and the Houses of Parliament.

Outside of work, Ella is a keen golfer and previously played county-level golf for Sussex. She also loves travelling and exploring both the UK and Europe, having visited five countries over the past two years. 🌍⛳

We’re excited to have Ella on board and look forward to supporting her throughout her apprenticeship and development within the team.

27/08/2026

Are you making the most of your inheritance tax planning?

With proposed changes to how pensions are treated for inheritance tax from April 2027, now could be the right time to review how you'll pass on your wealth.
Our latest article explains:

✔️ How inheritance tax could affect your family
✔️ Ways to pass on wealth more tax efficiently
✔️ Whether trusts are worthwhile as part of your estate planning

Read more here: https://www.hjpcfp.com/article/detail/2026/august/iht-planning-for-families.html



Taxation rules can change at any time and are dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

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 11/08/2026

26/08/2026

After nearly 13 years with HJP, we are saying goodbye to Michele Edwards as she begins her retirement.

Having started her career at the age of 16, Michele has seen the industry evolve significantly over the years. During her time at HJP, she has been an integral part of our business, earning the respect of colleagues through her professionalism, expertise and unwavering commitment to quality.

Just as importantly, Michele has always been willing to share her knowledge, challenge processes where improvements could be made and contribute positively to the way we work. Her experience and thoughtful approach have made a lasting impact on both the business and the people around her.

On behalf of everyone at HJP, thank you, Michele. We wish you every happiness and success in your retirement.

25/08/2026

How pension changes could affect your inheritance tax plans.

Read the following article for an explanation on what’s changing, who may be affected and some practical steps to consider.

Read more: https://www.hjpcfp.com/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

SJP Approved 21/08/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

20/08/2026

Achieving a successful handover of your business to a family member typically comes down to three aspects: early planning (ideally five to 10 years in advance), having a full understanding of the value of the business, plus open communication with all involved parties to ensure fairness.

Read more: https://www.hjpcfp.com/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession.html

SJP Approved 10/08/2026

19/08/2026

If you die without a valid Will, the rules of intestacy set out who inherits your estate.

These rules — known as the rules of intestacy — set out who inherits, and in what order.

Read more: https://www.hjpcfp.com/article/detail/sjpp/where-theres-a-will-theres-a-say.html

SJP Approved 10/08/2026

12/08/2026

How much do you really need to save for retirement?

Your retirement goals depend on factors such as:

• When you want to retire
• The lifestyle you hope to enjoy
• Your existing pensions and savings
• How much risk you're comfortable taking with your investments.

Starting early gives your money more time to benefit from compound growth, but it's just as important to have a plan suited to your lifestyle and retirement goals.

Read more: https://www.hjpcfp.com/article/detail/2026/july/how-much-do-you-need-to-save-to-retire.html

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

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 11/08/2026

11/08/2026

The price is right: how much could you sell your business for?

https://www.hjpcfp.com/article/detail/sjpp/the-price-is-right-how-much-could-you-sell-your-business-for.html

29/07/2026

Are millennials failing to protect their future?

It’s common to wait until a major milestone such as buying a home or starting a family before taking out cover. But the longer you wait, the more expensive it can become.

Read more: https://www.hjpcfp.com/article/detail/sjpp/are-millennials-failing-to-protect-their-future.html

SJP Approved 15/07/2026