Tilikum Wealth Management Ltd

16/07/2026

With most pensions set to fall within inheritance tax rules, many people are rethinking how and when to use their retirement savings.

While annuities can provide guaranteed income and may support estate planning by reducing pension wealth over time, they’re not without trade-offs.

Read on to explore why demand is growing, the key risks to consider, and how annuities can fit within your broader retirement strategy.

🔗 https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/the-axable-benefits-of-buying-an-annuity.html

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

Tilikum Wealth Management Limited 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 02/07/2026.

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.

15/07/2026

There's been a fair bit of change behind the scenes at Tilikum recently, and over the next few months you'll probably see new faces and hear from us a bit more than usual as things settle. None of it changes how we work or what we believe in; same approach, same people you already know, just a bit more of us.

If you're one of the people joining us for the first time over the coming weeks, welcome.

https://www.tilikumwealth.co.uk/

09/07/2026

Everyone faces challenges at different points in life.

Periods of vulnerability can be short or long term, and may arise from a wide range of situations.

What matters is having access to the right support when it’s needed.

This article explores how planning ahead and asking for help can make difficult times feel more manageable:

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/vulnerability-isnt-a-label-its-part-of-life.html

Nobody likes to think of themselves as being vulnerable, but the reality is that all of us will likely experience periods of vulnerability at some stage in our lives. Vulnerability can be caused by a range of factors, such as physical or mental illness, bereavement, the end of a relationship, or sig...

07/07/2026

New 22% charge on cash in investment ISAs

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.

🔗 Read more on this topic here:

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/isa-changes-22-percent-charge-on-cash-in-investment-isas-plus-simpler-first-time-buyer-isa.html

Tilikum Wealth Management Limited 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 24/6/2026

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.

30/06/2026

Selling a business is tough.

But expert advice can help shape key decisions around timing, valuation and future income.

Read Steve and Andrea’s experience of selling their business for more than double their original expectations:

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/helping-a-business-owner-to-step-back-and-move-forward.html

Tilikum Wealth Management Limited 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 24/6/2026

Elephant’s Child is a business advisory firm that specialises in helping SMEs grow, raise capital and plan for successful exits.

25/06/2026

10 years on from the Brexit referendum, what material impact has leaving the EU had on UK trade, the pound, the stock market and personal wealth?

To shed light on this, SJP have a range of charts to give you the tools to judge for yourself:

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/brexit-a-decade-in-charts-how-has-the-uk-fared.html

On 23 June 2016 the UK voted in a referendum to leave the European Union, by a narrow margin of 52% to 48%. The UK had been a member state of the EU since 1973 and the outcome of the vote – and the decision to abide by what was a legally non-binding referendum – caused widespread anger among ‘...

19/06/2026

When markets are noisy, it can feel natural to react. But often the most effective approach is to stay focused and avoid short‑term decisions.

🔗 Learn more:
https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/investing-and-penalities-a-game-of-nerves-or-reactions.html

Tilikum Wealth Management Limited 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 10/6/2026

With the start of the 2026 World Cup, fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shootout.

28/05/2026

Strong UK savings culture – but persistent investment gap

How can we get more people to invest? For savers, it’s the next step, according to a UK-wide campaign aimed at encouraging UK savers to invest for long-term growth – and closing the UK’s persistent investment gap.

Find out more here:
https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap.html

Tilikum Wealth Management Limited 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 27/04/2026

How can we get more people to invest? For savers, it’s the next step, according to a UK-wide campaign aimed at encouraging UK savers to invest for long-term growth – and closing the UK’s persistent investment gap.

26/05/2026

Saving and investing for children and grandchildren

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings. Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. These are all factors driving fears that younger generations will face a tougher financial future.

Read more:
https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

Tilikum Wealth Management Limited 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: 12/05/2026

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings. Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. Thes...

12/05/2026

Economic conditions can affect different households in very different ways.

In the US, rising inequality has created a growing gap between those able to weather recent challenges and those feeling the strain. With consumer spending such an important part of the economy, this imbalance brings both risks and considerations.

This article looks at the drivers behind the US’s increasingly “K shaped” economy and what it may mean for the region:

Click here to read the article:
https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/the-special-k-shaped-economy.html

Fast forward over 200 years, and the US has supplanted France as the world’s greatest power. Thankfully, centuries of progress mean the levels of deprivation found back then are no longer so widespread in the world’s leading economies.