Horsham Financial Services LTD

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.

23/03/2026

Honoured to be included in VouchedFor’s 2026 Top Rated Adviser Guide, published in The Times.

A huge thank you to our clients for taking the time to leave reviews - your feedback means the world and helps us keep improving the support we provide.

We'd also like to recognise the wider team at Horsham Financial Services whose work sits behind every positive experience. This really is a shared achievement.

Here’s to continuing to provide a reliable, consistent service in the year ahead.

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 19/3/2026

11/03/2026

Periods of geopolitical uncertainty can feel unsettling — but they don’t always change long‑term outcomes.

History shows markets can recover from major global events. A recent example is the invasion of Ukraine, after which many markets rebounded and moved close to all‑time highs.

This article shares a clear checklist to help investors decide whether uncertainty calls for action — or a focus on long‑term plans.

Read more: https://www.horshamfinancial.co.uk/article/detail/sjpp/keep-calm-and-carry-on-geopolitical-effects-on-markets-prove-temporary.html

Horsham Financial Services 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 05/3/2026

The recent attacks on the Iranian leadership and subsequent retaliatory actions across the Middle East have caused widespread geopolitical volatility. Unsurprisingly, they have also left many investors wondering what actions they should now be considering.

23/02/2026

With the tax year-end approaching, now’s the perfect time to make the most of your ISA allowance and build lasting financial habits.

Whether it’s for your 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 head into the new tax year with confidence. https://www.horshamfinancial.co.uk/contact

It’s about taking small steps now for greater 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.

Horsham Financial Services 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)

03/02/2026

Worried about timing the market? You’re not alone.

👉 This article explores what volatility really means for retirement investors and why staying the course can be key to long-term growth: https://www.horshamfinancial.co.uk/article/detail/sjpp/planning-for-retirement-in-volatile-times.html

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.

Horsham Financial Services 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 20/1/2026

27/01/2026

Our upcoming webinar, Ready for Tax Year-End?, is designed to give you the clarity, confidence and practical steps you need as we approach the end of the tax year. 12 February, 12.30 - 13.30.

REGISTER HERE
https://sjp-co-uk.zoom.us/webinar/register/9717611376298/WN_2iWAG4LFSBSoxtfXwCZTnA #/registration

15/01/2026

After ending 2025 close to a record high and opening 2026 on a strong note, the UK stock market is back in the spotlight.

The FTSE 100 rose dramatically last year – its best performance since 2009 – and became one of the top-performing major global markets. With investors now valuing its resilience, attractive pricing and income potential, UK shares are enjoying renewed confidence.

But with geopolitical uncertainty on the horizon, can this momentum continue?

This article explores what’s behind the resurgence and what it could mean for long-term investors: https://www.horshamfinancial.co.uk/article/detail/sjpp/is-the-uk-stock-market-striking-back.html

Past performance is not indicative of future performance. The value of your investment can go down as well as up. You could get back less than you invested. Please note it is not possible to invest directly into an Index.

Horsham Financial Services 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 13/1/2026

06/01/2026

📃 A comprehensive tax plan can bring clarity, confidence and improved financial outcomes.

With the 2025/26 tax year well underway, here’s how planning ahead can help you navigate change and make the most of available allowances: https://www.horshamfinancial.co.uk/article/detail/sjpp/the-power-of-having-a-tax-plan-in-place.html

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

Horsham Financial Services 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 10/12/2025

With Tax year end fast approaching, we look at how a thoughtful plan can unlock significant financial benefits. We explain how making a tax plan can boost your income, preserve your wealth and prepare for the future.

09/12/2025

With the Autumn Budget headlines behind us, it’s worth looking at the smaller changes that could still affect your finances.

This article explores the freeze on IHT thresholds, updates to VCT tax relief, and the new electric vehicle levy.

👉https://www.horshamfinancial.co.uk/article/detail/sjpp/autumn-budget-sweeping-up-the-budget-announcements.html

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

Horsham Financial Services 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 8/12/2025

24/11/2025

With the Budget just days away, you may be considering what the outcomes could mean for you and your finances. We’re here to help you navigate any changes and provide clarity where you need it.

Horsham Financial Services 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 21/11/2025