Steve Liddle Financial Planning

08/05/2026

Most of us wouldn’t set off on a long journey without a map or sat nav.

We’d want to know where we’re going.
How to get there.
And what to expect along the way.

Yet when it comes to our finances, we often do exactly that.

No clear plan.
No defined direction.
No real destination.

Along the way, life happens:

Roadblocks.
Diversions.
Unexpected delays.
The occasional wrong turn.

Without a plan, it’s easy to drift off course, or simply just get lost.

That’s where advice makes a difference. We can’t predict every twist and turn, but we can help you stay on track, adjust when needed, and keep moving towards where you want to be.

Financial planning isn’t about one single decision.

It’s about having a clear route, and someone to help guide you along the way. Your financial sat-nav, if you like.





Steve Liddle 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 23/04/26

06/05/2026

The hardest part, is just starting the conversation…

For many people, the idea of speaking to a financial adviser can feel intimidating.

In reality, the first meeting is usually much simpler than expected, and with no obligation or commitment.

It is not about selling products or making rushed decisions.

It is about understanding the bigger picture:

Where you are today.
What matters most to you.
What you would like the future to look like.

From there, a plan can begin to take shape.

Financial planning works best when it feels clear, structured and personal.

Because no two situations, or ambitions, are ever the same.

If you’ve been thinking about it, feel free to get in touch for a no-obligation conversation.
(Link in bio)





Steve Liddle 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 23/04/26

04/05/2026

Financial planning works best when it is approached with a long-term mindset.

Markets move.
Economies change.
Headlines come and go.

But the most successful financial plans aren’t built around reacting to short-term noise.

They are built on consistency.

Clear goals.
A structured plan.
Regular reviews.

Over time, patience and discipline often matter far more than trying to predict what happens next.

Sometimes the most powerful strategy is simply staying focused on the bigger picture.

The challenge isn’t reacting, it’s staying on course.

This content is for financial education purposes only and should not be taken as financial advice.





Steve Liddle 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 23/04/26

29/04/2026

One statement I often hear after a first meeting is:

“I wish I’d done this sooner.”

Not because anything was dramatically wrong with their finances, but because clarity makes a difference.

Understanding where you are.
What options you have.
And what the future could look like.

Financial planning isn’t about complexity. It’s about creating a clear framework that supports the life you want to build.

For many people, that first conversation simply brings the confidence that they’re heading in the right direction.

Feel free to reach out to me for your no obligation conversation.
(Link in bio)

Steve Liddle 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 23/04/26

27/04/2026

Every new tax year brings a fresh ISA allowance. 💸

For many people, ISAs remain one of the simplest and most effective ways to invest tax efficiently.

The current allowance gives individuals the opportunity to invest each year, with
potential benefits including:

• Tax-efficient growth
• No capital gains tax on investments inside the ISA
• No income tax on dividends or interest

Over time, consistently using allowances like this can play an important role in long-term financial planning.

It is not always about dramatic changes. Often, it is about making the most of the
allowances available to us each year.

This content is for financial education purposes only and should not be taken as
financial advice.



Steve Liddle 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 27/04/26

25/04/2026

It’s me! 👋

🎟️✨ WIN TICKETS + SPOT THE BOARD! ✨🎟️

Out and about with our Director Steve and his four-legged assistant Charles putting up our Beauty and the Beast boards… 🐾

But the real question is… which is beauty and which is the beast? 😂

Keep your eyes peeled for our roadside boards! If you spot one, snap a pic, tag us, and you will be added to a draw to WIN two tickets 🎭🎟️

📍 Beauty and the Beast
📅 12th–17th May 2026
📌 The Courtyard, Hereford

Winner will be announced on Sunday 3rd May! 🤩

08/04/2026

I’ll be exhibiting at the Herefordshire Means Business Expo on Thursday 30th April 👋

If you’re coming along, feel free to pop by and say hello.

Whether you’re a business owner or just attending on the day, I’ll be there if you’ve got any questions you’ve been meaning to ask, or just fancy a quick chat.

📍 Shell Store, Hereford
🗓 Thursday 30th April

If you’re there, I’d love to see you!

07/04/2026

Happy New Tax Year! 💸💰
Never thought I'd be saying that...

The new tax year began yesterday, ironically on a Bank Holiday! While "tax" isn't everyone's favourite word, this milestone does gives us a valuable moment to pause and take stock.

Allowances have reset.
Opportunities have reopened.
Plans can be refreshed.

This gives us the opportunity to review :

• ISA allowances
• Pension contributions
• Investment strategies
• Protection policies
• Longer term retirement planning

Small decisions made early in the tax year can have a meaningful impact over time.

It's not about doing everything at once, it's about having a plan that works for you and evolves as your circumstances change.

A new tax year is a perfect moment to pause, review, and make sure everything is still on track for where you want to be.

16/03/2026

The £100,000 Childcare Threshold

One of the most misunderstood thresholds in the UK tax system sits at £100,000.

For families claiming Tax-Free Childcare or 30 hours free childcare for working parents, eligibility is lost if either parent’s adjusted net income exceeds £100,000 in a tax year.

For some households, that can mean losing a significant amount of support.

What many people don’t realise is that pension contributions can reduce adjusted net income.

With careful planning, this could potentially:

• bring adjusted net income below the £100,000 threshold
• restore eligibility for certain childcare support
• reduce income tax
• increase retirement savings

It’s a simple point, but one that is often missed in year-end tax planning for higher earners.

And with the 5 April tax year end approaching, it’s an area many families may want to review.

10/03/2026

Business Owners – Pension Contributions Before Year End

If you’re a company director, how you extract profits from your business matters.

Salary, dividends and employer pension contributions are all taxed differently, so the structure you choose can have a significant impact on overall tax efficiency.

Employer pension contributions can be a particularly useful planning tool because they may:
• Be treated as an allowable business expense (potentially reducing corporation tax)
• Avoid dividend tax that would otherwise apply if profits were extracted personally
• Move funds into a tax-advantaged pension environment
• Help build long-term retirement provision

With dividend allowances reducing in recent years, reviewing how profits are extracted has become increasingly important for many business owners.

As we approach the end of the tax year, it’s a good time to review whether pension contributions could form part of your wider planning.

Good planning isn’t about avoiding tax, it’s about using the rules intentionally and efficiently.