Ferndown Financial Planning

17/07/2026

Many people want to support their loved ones and pass on wealth to future generations. But when it comes to care home fees, gifting assets may not always have the outcome you expect.



Understanding the rules around care funding, gifting and estate planning can help you make informed decisions for yourself and your family.



Read more: https://partnership.sjp.co.uk/article/detail/sjpp/can-i-gift-assets-to-avoid-paying-care-home-fees.html

FERNDOWN FINANCIAL PLANNING 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 15/07/2026

Can I gift assets to avoid paying care home fees?

14/07/2026

Women are central to household finances, but longer term engagement can still vary.

St. James’s Place’s latest research, carried out by Opinium, shows many women lead on budgeting and day to day financial decisions, yet are less likely to feel confident about long term planning or investing.

Encouragingly, younger women are increasingly engaging with financial planning, highlighting a positive shift.

Explore the findings of SJP’s Financial Health Report 2026: Women and Wealth – https://partnership.sjp.co.uk/article/detail/sjpp/women-and-wealth-report-divide-in-short-and-long-term-financial-focus.html

FERNDOWN FINANCIAL PLANNING 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 23/6/2026

Women and Wealth Report 2026

13/07/2026

We had a superb day at Westival on Saturday. A big thank you to West Moors Town Council for organising and letting us be a part of it. Being a part of the local community and involved in events and activities are something that we very much enjoy and are proud to be included in. It was lovely meeting all the lovely folks of West Moors!

Adviser. Find out how we can help you achieve your financial goals.

10/07/2026

A big thank you to Modern Magazine for our lovely editorial and advert in The Ferndown & West Parley Directory. Have you received yours yet? If not you should be able to pick one up in local libraries, shops and some supermarkets. It’s a great article that gives you a bit more of an insight into how we work and how we are looking to build long standing relationships in the local community.

07/07/2026

There could be important changes ahead for unmarried couples.

New proposals being consulted on by the government include potential rights around inheritance and financial arrangements after separation.

This article takes a clear look at what’s being considered and what it could mean for couples.

🔗 Learn more: https://partnership.sjp.co.uk/article/detail/sjpp/proposed-rule-changes-could-boost-financial-security-for-cohabiting-couples.html

Proposed rule changes could boost financial security for cohabiting couples

07/07/2026

New ISA rules are on the way.

From 2027, interest on cash held within stocks and shares ISAs will face a new charge, while a new first‑time buyer ISA is also being introduced.

👉 This article breaks down the changes in a clear and simple way: https://ow.ly/cUJ150Zk4i7

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 03/07/2026

06/07/2026

📅 It’s always a good time to make the most of your ISA allowance and build lasting financial habits.

Whether you’re focused on personal savings or long-term goals, proactively using your ISA allowance as part of a broader financial plan can make a meaningful difference to your future.

Start today to maximise your tax-efficient savings and give yourself greater financial confidence www.ferndownfinancial.co.uk

Small steps now can lead to great financial freedom tomorrow.

The value of an investment can go down as well as up. You may get back less than the amount invested.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.
FERNDOWN FINANCIAL PLANNING 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 12/03/2026

03/07/2026

It’s natural to hope for the best. But it’s also a good idea to have a back up plan.

Protection insurance can help provide financial support if illness or unexpected events affect your ability to work.

Explore how it works and why it can bring peace of mind: https://partnership.sjp.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.html

FERNDOWN FINANCIAL PLANNING 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 30/6/2026

What is protection and why do I need it?

01/07/2026

Have you thought about what comes next for your business?

For some owners, passing ownership to employees is one option worth exploring. It can help preserve the business culture, but it also requires time and careful planning.

Here are the key points to consider: https://partnership.sjp.co.uk/article/detail/sjpp/employee-ownership-pros-and-cons-of-selling-your-company-to-your-staff.html

FERNDOWN FINANCIAL PLANNING 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 25/6/2026

Employee ownership: Pros and cons of selling your company to your staff

30/06/2026

🚨5 occasions people in the UK need a Financial Adviser but often don’t realise It 🚨

Most people think financial advice is only for the wealthy or those nearing retirement.
The reality? Some of the biggest financial mistakes happen during major life events when people don’t realise professional advice could make a significant difference.

Here are 5 common situations:

✅ You’ve received an inheritance

✅ You’ve changed jobs and have multiple pension pots

✅ You’re going through a divorce or separation

✅ Your income has increased and you’re paying more tax

✅ Retirement is getting closer than you’d like to admit


Many parents helping adult children with house deposits or financial support don’t realise the impact it could have on their own future plans.
The right advice isn’t just about investments. It’s about making informed decisions, avoiding costly mistakes, and creating a plan for the future.

If any of these situations sound familiar, it may be worth having a conversation.

📩 Send us a message to find out how we can help.

Financial planning tailored to your goals and circumstances.

Ferndown Financial Planning 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) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.

SJP Approved 17/06/2026