Surrey Hills Private Clients

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Surrey Hills Private Clients Financial adviser aligned to St. James’s Place Wealth Management Group, based in Surrey.

Reaching a six-figure income is an important milestone, but it can also introduce additional tax considerations.Once adj...
17/10/2026

Reaching a six-figure income is an important milestone, but it can also introduce additional tax considerations.

Once adjusted net income exceeds £100,000, the Personal Allowance begins to reduce, potentially increasing the effective rate of tax paid on part of your income.

Understanding these thresholds can help you make more informed decisions around pensions, investments and wider financial planning.

www.surreyhillsprivateclients.co.uk

Over the course of a career, it is common to build up several pension arrangements with different providers.Consolidatin...
15/10/2026

Over the course of a career, it is common to build up several pension arrangements with different providers.

Consolidating pensions can sometimes make retirement planning simpler, but transferring is not always the right solution. Existing guarantees, benefits, investment options and charges should all be reviewed carefully before making a decision.

A professional pension review can help you understand the most appropriate approach for your circumstances.

www.surreyhillsprivateclients.co.uk

Changing jobs throughout your career can often mean accumulating several different pension pots.While having multiple pe...
13/10/2026

Changing jobs throughout your career can often mean accumulating several different pension pots.

While having multiple pensions is not necessarily a concern, keeping track of charges, investments, performance and retirement benefits can become increasingly complicated.

Reviewing your existing arrangements can help you understand whether they are still aligned with your long-term retirement goals.

www.surreyhillsprivateclients.co.uk

When thinking about Inheritance Tax, it is important to consider your complete financial position.Your estate can includ...
11/10/2026

When thinking about Inheritance Tax, it is important to consider your complete financial position.

Your estate can include property, savings, investments, business interests and other assets, not simply the value of your home.

Having a clear picture of your overall estate can help you plan more effectively for the people and causes that matter most to you.

www.surreyhillsprivateclients.co.uk

Your estate may be worth more than you realise.Property, savings, investments and other assets can all contribute toward...
10/10/2026

Your estate may be worth more than you realise.

Property, savings, investments and other assets can all contribute towards the overall value of your estate, potentially creating an Inheritance Tax liability.

Understanding your position early can give you more time to explore appropriate estate planning options and make informed decisions for the future.

Speak to Surrey Hills Private Clients about reviewing your estate planning strategy.

www.surreyhillsprivateclients.co.uk

For some higher earners, income between £100,000 and £125,140 can effectively be taxed at a much higher rate due to the ...
08/10/2026

For some higher earners, income between £100,000 and £125,140 can effectively be taxed at a much higher rate due to the gradual loss of the Personal Allowance.

This is often referred to as the “60% tax trap”.

Careful financial planning may help you understand the options available to manage your taxable income more efficiently, depending on your individual circumstances.

Professional advice can make a significant difference when navigating more complex tax thresholds.

www.surreyhillsprivateclients.co.uk

Financial planning isn't simply about spreadsheets, percentages and account balances.Behind every number is a goal. A ho...
06/10/2026

Financial planning isn't simply about spreadsheets, percentages and account balances.

Behind every number is a goal. A home. A family. A business. A retirement. A lifestyle you want to protect.

The numbers matter, but what you're trying to achieve with them matters even more.

A new job. A growing family. Starting a business. Receiving an inheritance. Preparing for retirement.Major life changes ...
04/10/2026

A new job. A growing family. Starting a business. Receiving an inheritance. Preparing for retirement.

Major life changes can quickly change your financial priorities too. Reviewing your financial plan at these moments can help ensure your strategy still reflects the life you're building.

Financial advice shouldn't begin with a product. It should begin with a conversation.Your circumstances, ambitions, fami...
03/10/2026

Financial advice shouldn't begin with a product. It should begin with a conversation.

Your circumstances, ambitions, family, business and priorities are personal to you. The advice you receive should reflect that, rather than following a one-size-fits-all approach.

Do you know what you own, what you owe, what you're saving, and whether you're on track for your future goals?Understand...
01/10/2026

Do you know what you own, what you owe, what you're saving, and whether you're on track for your future goals?

Understanding your current financial position gives you a much clearer starting point for making confident decisions about what comes next.

Address

30 Lombard Street
London
EC3V9BQ

Opening Hours

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

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