HJP Chartered Financial Planners

16/07/2026

For many business owners, retirement isn’t about stepping back completely. It’s about gaining the freedom to choose how you spend your time, energy, and money.

In fact, with the right financial plan in place, retirement can become one of the most rewarding and fulfilling stages of life. It allows you the flexibility to focus on family, travel, passion projects, mentoring, or even new ventures.

But what does a comfortable retirement actually look like, and how do you prepare for it?

Read more: https://www.hjpcfp.com/article/detail/2026/june/securing-the-retirement-you-deserve.html

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).

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

SJP approved 15/07/2026

14/07/2026

The key people in your business are those who you rely on heavily for the company to function successfully. It may be a director or an employee with niche expertise or talent.

Could your business survive losing its most valuable person?

https://www.hjpcfp.com/article/detail/sjpp/could-your-business-survive-losing-its-most-valuable-person.html

SJP Approved 08/07/2026

03/07/2026

Feeling stretched by the demands of the sandwich generation?

Supporting ageing parents with later-life decisions while continuing to help children into adulthood can feel like you're being pulled in several directions at once — financially, emotionally and practically.

To help bring some clarity, we've created a simple Financial Checklist that can help you:

• Check whether key protections are in place
• Understand what you know — and what you may still need to find out — about your parents' financial position
• Consider whether support for children forms part of a long-term financial plan
• Make sure your own retirement plans stay on track
• Set clear boundaries around the level of support that's sustainable for you

The good news? It takes less than ten minutes to complete.

By the end, you'll have a clearer picture of where things stand and greater confidence that important financial matters aren't simply being kept in your head.



https://www.hjpcfp.com/article/detail/2026/may/the-sandwich-generation-dilemma.html

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 02/07/2026

02/07/2026

Income certainty, rising interest rates and IHT planning are factors driving increased interest in annuities. So what are the taxable benefits of buying an annuity?

Read more: https://www.hjpcfp.com/article/detail/sjpp/the-axable-benefits-of-buying-an-annuity.html

SJP Approved 24/06/2026

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people think about retirement planning, with more turning once again to annuities.

30/06/2026

Finding the money to pay for care home fees can be one of the biggest financial worries facing us in later life.

Can you gift assets to avoid paying care home fees?

Read more: https://www.hjpcfp.com/article/detail/sjpp/can-i-gift-assets-to-avoid-paying-care-home-fees.html

SJP Approved 29/06/2026

26/06/2026

Women are earning, creating, inheriting and managing more wealth than ever before. Yet research suggests this is not matched by greater confidence or engagement with long-term financial decisions.

This is according to St James’s Place’s Financial Health Report 2026: Women and Wealth, published on 24 June*

https://www.hjpcfp.com/article/detail/sjpp/women-and-wealth-report-divide-in-short-and-long-term-financial-focus.html

*Source: Financial Health Report 2026: Women and Wealth. On behalf of St. James's Place, Opinium surveyed 6,000 UK adults nationwide 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.

SJP Approved 23/06/2026

25/06/2026

The government has announced a 22% charge on the interest on cash savings held within non-cash ISAs, including stocks and shares ISAs and innovative finance ISAs, from April 2027.

https://www.hjpcfp.com/article/detail/sjpp/isa-changes-22-percent-charge-on-cash-in-investment-isas-plus-simpler-first-time-buyer-isa.html

SJP Approved 24/06/2026

The government has announced a 22% charge on the interest on cash savings held within non-cash ISAs, including stocks and shares ISAs and innovative finance ISAs, from April 2027.

22/06/2026

Financial protection such as insurance cover helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should the worst happen.

https://www.hjpcfp.com/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.html

SJP Approved 18/06/2026

18/06/2026

Nobody knows your business and its culture better than your own employees. Could selling it to them be an effective way for you to exit your business? Our article explains more.

https://www.hjpcfp.com/article/detail/sjpp/employee-ownership-pros-and-cons-of-selling-your-company-to-your-staff.html

SJP Approved 26/05/2026

16/06/2026

Unmarried co-habiting couples could benefit from increased financial security under government proposals set out in a newly launched consultation. Currently, the concept of ‘common law marriage’ isn’t legally recognised in the UK which can leave u***d couples financially exposed if proper planning and protection isn’t in place.

Read more: https://www.hjpcfp.com/article/detail/sjpp/proposed-rule-changes-could-boost-financial-security-for-cohabiting-couples.html

SJP approved 12/06/2026