Guthrie Wealth Consultancy Ltd

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Guthrie Wealth Consultancy Ltd A pension and investment planning specialist practice.

We provide face to face advice with the aim of building long term, trusted and professional relationships.

October is a good time for a Q4 financial check-in. As the year draws to a close, it's a natural moment to review your f...
15/10/2026

October is a good time for a Q4 financial check-in. As the year draws to a close, it's a natural moment to review your financial plans before the rush of the festive season takes over.

Worth asking yourself a few things: are you still on track to meet your financial goals? Have your circumstances changed at all this year? Are your pension and investment contributions where you'd want them to be? And have there been any changes to tax rules that could affect your plans?

A review now gives you time to make informed decisions before the year is out, rather than leaving everything until the last minute. Financial planning tends to work best when it's revisited regularly, not just when something changes.

If it's been a while since you last spoke to your financial adviser, October is as good a time as any to arrange that conversation.

At Guthrie Wealth, people are helped to stay on track for today and for the years ahead.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 07/10/2026

The families who talk about money today are often better prepared for tomorrow.A lot of people take the view that they'l...
13/10/2026

The families who talk about money today are often better prepared for tomorrow.

A lot of people take the view that they'll sort it out when they're gone. The trouble is, by that point, many of the choices that could have helped reduce an Inheritance Tax bill or made passing on wealth simpler are no longer available.

Talking about finances as a family isn't always easy. Conversations about inheritance, retirement or future wishes can feel uncomfortable, and it's understandable that they often get put off. But having those discussions early gives everyone a clearer sense of what actually matters, and opens up the chance to plan in a more tax efficient way while there's still time to act.

Good planning was never just about reducing tax. It's about making life easier for the people you care about, and helping them avoid unnecessary stress at what's already a difficult time.

At Guthrie Wealth, families are helped to plan with confidence across the generations.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 07/10/2026

This week is National Work Life Week. It's worth asking how often you actually think about the role your finances play i...
10/10/2026

This week is National Work Life Week. It's worth asking how often you actually think about the role your finances play in getting that balance right.

A lot of people focus on managing their time, but financial confidence matters just as much. When you've got a clear financial plan in place, you're in a much stronger position to make career decisions with confidence, save consistently for the future, take time off without that background worry creeping in, and plan properly for the retirement you actually want.

Whether you're building a business, progressing in your career, or starting to think about life after work, being in control of your finances tends to give you more choice and a lot more peace of mind along the way.

Guthrie Wealth helps people build a financial plan that supports their goals now and for the years ahead.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 07/10/2026

Today is World Mental Health Day. Looking after your mental wellbeing means looking after every part of your life, and t...
10/10/2026

Today is World Mental Health Day. Looking after your mental wellbeing means looking after every part of your life, and that includes your finances.

Money worries can bring a real sense of uncertainty, whether you're planning for retirement, running a business, or thinking ahead for your family. No financial plan can remove every challenge that comes your way, but having a clear understanding of where you stand tends to bring more confidence to the decisions ahead, not less.

Often it's the small steps that make the biggest difference. Reviewing your pension, setting out clear financial goals, or simply making time to talk things through with someone you trust can all help take the edge off unnecessary stress.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 07/10/2026

As many business owners know, running a business means keeping on top of deadlines just as much as looking after your cu...
09/10/2026

As many business owners know, running a business means keeping on top of deadlines just as much as looking after your customers.

If you've recently become self-employed and need to complete a Self Assessment tax return for the first time, that's the deadline to register with HMRC is today.

It's also a useful prompt to start thinking about tax planning now, rather than leaving it until January. Getting ahead of it early means you can get a clearer picture of what your tax bill is likely to look like, set money aside gradually through the year rather than all at once, make the most of the allowances available to you, and avoid the last-minute scramble that tends to come with leaving things too late.

Good financial planning isn't really about adding more to your plate. It's about giving yourself more options and a bit less stress when the deadline actually arrives.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 07/10/2026

Coming into a significant sum of money doesn't always feel like the straightforward good news it looks like from the out...
01/10/2026

Coming into a significant sum of money doesn't always feel like the straightforward good news it looks like from the outside. Whether it comes through an inheritance, divorce settlement, sale of a business or another major life event, receiving substantial wealth can bring its own emotional weight, making even practical decisions feel harder than they should.

If you ever find yourself in that position, there's rarely any need to rush. Taking time to properly understand your options is far more valuable than acting quickly. Having the right people around you, from family and friends to professional advisers, can also make the process feel more manageable and help you make decisions with greater confidence.

Whatever the goal, whether that's investing, planning for retirement, supporting family or preserving wealth for the next generation, decisions tend to land better when there's been time and thought behind them. Every situation is different, but giving yourself the space to build a plan that reflects what matters to you can make all the difference.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 28/08/2026

From 6th April 2027, the rules around Cash ISAs are set to change, and it's worth getting ahead of it rather than reacti...
29/09/2026

From 6th April 2027, the rules around Cash ISAs are set to change, and it's worth getting ahead of it rather than reacting once the date arrives.

For anyone under 65, the annual Cash ISA allowance is due to drop from £20,000 to £12,000. Stocks and Shares ISAs won't be affected and will stay at £20,000, and those aged 65 and over will keep their full £20,000 Cash ISA allowance too.

There's still time before the change takes effect, but that actually makes now a sensible moment to look at how your ISA allowance is being used. Is a Cash ISA still the best place for all of your savings? Are you making full use of the tax allowances available to you? And does your current approach to saving and investing genuinely reflect what you're working towards long term?

There's no single right answer here, it really comes down to your own goals, how comfortable you are with risk, and when you're likely to need access to the money.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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).

SJP Approved 28/08/2026

Retirement is one of the biggest financial decisions most people will ever make, and it's worth pausing on a few key que...
25/09/2026

Retirement is one of the biggest financial decisions most people will ever make, and it's worth pausing on a few key questions before stepping away from work.

The first is simple but essential: will your pensions, savings, and investments actually provide enough income to last throughout retirement, not just in the early years? Closely tied to that is inflation. The cost of living tends to keep rising, so it's worth thinking honestly about whether your income will keep pace over time.

Getting older is another area people often put off considering. Thinking about later life planning now, rather than waiting until it becomes urgent, tends to give you more choices and takes some of the financial pressure off your family later on.
Tax is also easy to overlook. How you draw income from pensions and investments can have a real effect on how much tax you end up paying, and a bit of careful planning can often improve your overall position more than people expect.

And finally, there's the question of legacy. Have you thought about how you'd like your wealth to support your family, and whether your estate is structured in the most efficient way to do that?

Retirement planning was never really about picking a date to stop working. It's about making informed decisions now that support the life you want in the years that follow.

https://loom.ly/jLoubxw

Long term care planning may involve a referral to Karehero, a care navigator and matching service provider, whose services are separate and distinct to those offered by St. James's Place.

Guthrie Wealth Consultancy 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).

SJP Approved 28/08/2026

Every business relies on certain people more than it likes to admit. Sometimes it's a director, sometimes a senior emplo...
23/09/2026

Every business relies on certain people more than it likes to admit. Sometimes it's a director, sometimes a senior employee whose knowledge, relationships, or leadership quietly hold things together in ways that only become obvious once they're gone.

If that person were suddenly unavailable, the impact tends to ripple further than expected. Projects stall, profits take a hit, and finding someone to fill the gap often costs more time and money than businesses anticipate.

Protecting a business is just as important as growing it, yet it's usually the part that gets left until later. Key Person Protection and similar business protection arrangements exist to provide financial support exactly when it's needed most, but cover isn't something to set up once and forget. As a business grows and changes, it's worth revisiting regularly, since a policy that made sense a few years ago may no longer reflect what the business actually needs to protect today.

Guthrie Wealth Consultancy 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).

SJP Approved 28/08/2026

UK Savings Week runs from 21st to 27th September, and it's a good nudge that saving little and often really does add up,...
21/09/2026

UK Savings Week runs from 21st to 27th September, and it's a good nudge that saving little and often really does add up, even if it doesn't always feel that way at the time.

A common misconception is that you need a large lump sum to get started. In reality, it's consistency that tends to matter more than the size of each contribution. Whether the goal is an emergency fund, retirement, helping a child with future education costs, or working towards a major purchase, showing up regularly usually counts for more than starting big.

The trick is turning it into a habit and checking in on progress every so often. As income changes over time, there's often room to increase contributions and get a bit closer to whatever the goal is.

Every financial journey starts with a single step.

https://loom.ly/jLoubxw

Please note that SJP do not offer savings accounts

Guthrie Wealth Consultancy 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).

SJP Approved 28/08/2026

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Millbrook 18 Golf Course Road Bonnyrigg
Edinburgh
EH192EZ

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