What are the opening hours?

Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

Horsham Financial Services LTD, 24-26 Littlehaven House, Horsham (2026)

25/06/2026

When do you need a financial adviser and when is it simpler to just DIY?

To answer whether you should go DIY or employ an adviser, we need to first get clear on what a good financial adviser actually does for their clients.

Two years ago, I gave myself the task of rewriting my client service charter. It’s been through several drafts now and I'm not completely satisfied with the final output (there's a lot to squeeze in and it varies from client to client), but it exists, it is evolving, and this is one of the questions it seeks to answer.

Let's start with the fact that there is no cheat code to Financial Planning....

To answer whether you should go DIY or employ an adviser, we need to first get clear on what a good financial adviser actually does for their clients.

16/06/2026

Fixed or tracker? Many people are revisiting this question for their mortgages.

With the Bank of England holding rates for now — but future increases expected — it’s important to understand how different mortgage types work.

🏡 Explore the differences and what to consider when reviewing mortgage options:: https://www.horshamfinancial.co.uk/article/detail/sjpp/fixed-rate-or-tracker-choosing-the-right-mortgage-in-uncertain-times.html

Your home may be repossessed if you do not keep up repayments on your mortgage.

Horsham Financial Services 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 13/5/2026

But market expectations are now that the base rate will rise during 2026. This is because inflation is likely to go up due to increased oil prices caused by the prolonged conflict in Iran. The Bank of England uses interest rates as a tool to control rising inflation.

22/04/2026

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://www.horshamfinancial.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.

Horsham Financial Services 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 17/4/2026

Trusts are increasingly used in the UK as a strategy to manage inheritance tax (IHT) liabilities, especially with upcoming changes to IHT rules set to affect pensions. We look at how they work in estate planning.

Address

24-26 Littlehaven House
Horsham

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+441403217769

Website

https://partnership.sjp.co.uk/horshamfinancial/

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