Ferndown Financial Planning

03/06/2026

What is an ISA?

An ISA, (Individual Savings Account) is one of the most popular and tax-efficient ways for UK residents to invest and save for the future.

Investments in an ISA are free of income tax and capital gains tax for the duration of the investment.

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: 30/1/2026

02/06/2026

What is Capital Gains Tax?

Capital Gains Tax (CGT) is a tax on the profit when you sell or dispose of something that has increased in value. Items subject to CGT are known as ‘chargeable assets’.

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: 30/1/2026

01/06/2026

What happens to your pension when you're no longer here?



Changes announced in Labour's first 2024 Autumn Budget mean that from April 2027, any inherited pension funds may be liable for inheritance tax.



Find out what this means for you: https://partnership.sjp.co.uk/article/detail/sjpp/can-i-pass-on-my-pension-when-i-die.html

Can I pass on my pension when I die?

30/05/2026

Good morning! Welcome and thankyou to all our new followers. This page and business is in its infancy so any help is much appreciated. Please like and share our posts and of course reach out if you would like to know more about our services.

30/05/2026

⛽ The conflict in Iran is already pushing up oil and gas prices, filtering through to everyday costs for UK consumers. With inflation expected to rise further and borrowing becoming more expensive, many households are feeling the impact.



Explore how global events are influencing inflation, interest rates and consumer costs — and what this could mean for the year ahead: https://partnership.sjp.co.uk/article/detail/sjpp/iran-conflict-what-rising-oil-prices-mean-for-uk-households.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 1/4/2026

Iran conflict: what rising oil prices mean for UK households

29/05/2026

Strong UK savings culture – but persistent investment gap

29/05/2026

Many UK savers are interested in investing but hesitate to take the next step.

This article explores why investment confidence remains a challenge, and how open conversations and normalising investing could encourage more people to get involved over time.

🔗 Read more: https://partnership.sjp.co.uk/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap.html

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

FERNDOWN FINANCIAL ADVICE 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 5/5/2026

Strong UK savings culture – but persistent investment gap

28/05/2026

A fulfilling retirement doesn’t just happen - it’s built with careful planning and expert advice.

Whether you dream of traveling the world, diving into personal passions, or simply embracing financial freedom, your retirement should be defined by YOU.

The key? A well-thought-out plan with the right guidance to make it a reality.

Let’s start shaping your future. Talk to me today www.ferndownfinancial.co.uk

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) 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 28/05/2026

27/05/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates for inheritance tax purposes.


Combined with a long-term freeze in IHT thresholds, it is not surprising many people are turning to trusts as a way to manage their tax liabilities.



👉Learn more here: https://partnership.sjp.co.uk/article/detail/sjpp/can-a-trust-help-protect-your-estate.html



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



Trusts are not regulated by the Financial Conduct Authority.



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 17/4/2026

Can a trust help protect your estate?

26/05/2026

Build good financial habits that grow with your family.

Creating strong financial habits isn’t just beneficial for today - it helps secure the future for the people who matter most.

Proactive tax planning is one of the most valuable habits you can develop. Whether you're a business owner or an individual, making it part of your regular routine can strengthen your financial foundation and support your family’s long‑term goals.

Take time to review your plans, stay ahead of upcoming changes, and set yourself up for sustainable success. Good habits build confidence, clarity, and resilience.

Start building those habits today - your future self (and your family) will thank you.

Contact me here: www.ferndownfinancial.co.uk



Taxation rules can change at any time and are dependent on individual 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) 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 23/05/2026