Guthrie Wealth Consultancy Ltd

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.

The question business owners avoid asking themselves. If you couldn't work for three months because of illness or injury...
02/09/2026

The question business owners avoid asking themselves.

If you couldn't work for three months because of illness or injury, what would happen?

Would your income continue? Could your business keep running? Would your family still have the financial security they rely on?

It's not a question many business owners enjoy thinking about. When you're focused on running a business, it's easy to put these conversations off.

Taking a little time to review your plans now can give you a much clearer picture of where you stand. Whether it's income protection, business protection or simply understanding your options, knowing you've prepared can bring real peace of mind.

A few minutes of planning today could make all the difference if life takes an unexpected turn.

www.guthriewealthconsultancy.co.uk

Protection plans do not acquire a cash value. The cover provided will cease if premiums are stopped.

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 22/07/2026

Helping the grandchildren the right way. Summer is often when grandparents lend a helping hand.It might be paying for a ...
31/08/2026

Helping the grandchildren the right way.

Summer is often when grandparents lend a helping hand.

It might be paying for a family holiday, contributing to driving lessons or putting money aside for university.

Supporting the next generation is something many families take great pride in.

Before making larger gifts, it's worth thinking about how they fit into your own financial plans.

Could they affect your future income? Have you considered potential care costs? Are there Inheritance Tax implications to be aware of?

Being generous and planning can go hand in hand. Understanding the bigger picture helps you give with confidence while protecting your own financial security.

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

www.guthriewealthconsultancy.co.uk

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 22/07/2026

The Budget rumours start early. As summer draws to a close, you'll probably start seeing headlines predicting what the A...
28/08/2026

The Budget rumours start early.

As summer draws to a close, you'll probably start seeing headlines predicting what the Autumn Budget could include.

Pensions, Inheritance Tax, Capital Gains Tax and personal allowances often feature in the speculation. Every week seems to bring a new prediction.

It's natural to wonder how any changes might affect your finances. The important thing is not to make decisions based on rumours.

Budget announcements often look very different from the early headlines. Waiting for the facts gives you the chance to make informed decisions that suit your own circumstances, rather than reacting to speculation.

Keep an eye on the news, but don't let the headlines dictate your financial plans.

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

Visit www.guthriewealthconsultancy.co.uk

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 22/07/2026

The best financial conversations happen over a barbecue. 🍔Summer brings families together, whether it's a barbecue, a ho...
26/08/2026

The best financial conversations happen over a barbecue. 🍔

Summer brings families together, whether it's a barbecue, a holiday, or a Sunday afternoon spent catching up.

It's often during these relaxed moments that conversations about money happen naturally.

Parents talk about retirement. Grandparents mention helping with a house deposit. Adult children ask about future plans or how they can support older relatives.

These discussions aren't always easy, but they can be some of the most valuable conversations a family has.

Taking the time to turn those conversations into a clear financial plan can help everyone understand their options and avoid uncertainty in the future.

If a family conversation about money starts this month, don't let it end there.

www.guthriewealthconsultancy.co.uk

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 22/07/2026

25/08/2026

Guthrie Wealth Consultancy turns 11 today 🎉
Eleven years ago we started with a simple aim: help people make confident, informed decisions about their money. Since then, we've been lucky enough to work alongside individuals and families on everything from retirement planning to inheritance tax and passing wealth on to the next generation.

We're excited about the years ahead and look forward to helping even more people plan for a secure financial future.

Our clients and the service we provide have always been the cornerstone of our Practice, and remain the main driver behind our success. Thank you to every client who's put their trust in us over the years, it's that trust that has helped get us to where we are today.

Here's to the next 11 years! 🥂

www.guthriewealthconsultancy.co.uk

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 07/08/2026

A quiet August is the best time to plan for a busy September. If the office feels a little quieter this month, make the ...
24/08/2026

A quiet August is the best time to plan for a busy September.

If the office feels a little quieter this month, make the most of it.

For many company directors, August offers a valuable opportunity to step back from the day to day and review the bigger picture before business picks up again.

It could be the right time to look at pension contributions through your company, dividend planning, protection for key people or whether your current financial plans still match your business goals.

None of these conversations needs to be urgent. They're simply easier to have when your diary has a little more space.

A small amount of planning now can leave you better prepared for the months ahead.

www.guthriewealthconsultancy.co.uk

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 22/07/2026

Your first payslip. Your first pension. 💼August is when many graduates start their first full-time job. It's an exciting...
21/08/2026

Your first payslip. Your first pension. 💼

August is when many graduates start their first full-time job. It's an exciting milestone with plenty to think about.

A first payslip often comes with a workplace pension, but it's easy to overlook when retirement feels a long way off.

The reality is that the earliest pension contributions can have the longest time to grow. Starting early and building the habit matters far more than trying to make up for lost time later.

If you have a son, daughter or younger colleague beginning their career this month, take a few minutes to talk about the value of saving for the future. It could be one of the most worthwhile financial conversations you have.

www.guthriewealthconsultancy.co.uk

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

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 22/07/2026

The other back to school cost. 🎒Every August, families prepare for the obvious expenses. Uniforms, shoes, stationery and...
19/08/2026

The other back to school cost. 🎒

Every August, families prepare for the obvious expenses. Uniforms, shoes, stationery and everything else on the shopping list.

Most people plan for those.

The bigger financial commitments often come later. School trips, driving lessons, a first car, university costs or helping your child take their next step.

The good news is that these expenses rarely arrive without warning. That gives you time to prepare.

Setting aside a small amount each month can make a real difference and help spread the cost over time, rather than relying on last-minute decisions.

Planning ahead won't stop the bills coming, but it can make them much easier to manage.

www.guthriewealthconsultancy.co.uk

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 22/07/2026

Why do markets often look a bit odd in August? 📈August is a quieter month for financial markets.Many investors, fund man...
17/08/2026

Why do markets often look a bit odd in August? 📈

August is a quieter month for financial markets.

Many investors, fund managers and traders take time away, which means fewer people are buying and selling. With lower trading volumes, even relatively small pieces of news can cause markets to move more than they might at other times of the year.

If you notice your investments rising or falling more than usual, it doesn't always signal a major change. Sometimes it's simply a reflection of quieter markets.

That's why it's important to keep short-term movements in perspective and stay focused on your long-term financial plan.

www.guthriewealthconsultancy.co.uk

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

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 22/07/2026

What happens to your business while you're on the beach? 🏖️August is when many business owners finally take a well earne...
14/08/2026

What happens to your business while you're on the beach? 🏖️

August is when many business owners finally take a well earned break.

Stepping away from work is important, but it can also highlight an important question.

If something unexpected happened while you were away, would your business be able to carry on? Would your family have financial security? Would your staff know what to do next?

Business protection, key person cover and succession planning are easy to put off when you're busy running a company. Yet a simple review can give you confidence that the people who rely on you are protected.

You don't need to spend your holiday worrying about every possibility. A short conversation before you go can provide reassurance long after you're back.

www.guthriewealthconsultancy.co.uk

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 22/07/2026

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Millbrook 18 Golf Course Road Bonnyrigg
Edinburgh
EH192EZ

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