Joe Goodman Financial Planning

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Joe Goodman Financial Planning

Helping individuals, families and business owners match their income and assets of today, with their goals and aspirations of tomorrow.

A dedicated Financial Planner who believes financial advice should be clear, approachable and built around real life.

13/05/2026

Local elections and government borrowing:

Following bruising local election results, media reports have been awash with gossip around the prime minister Keir Starmer’s future. Judging by the UK bond market, however, lenders appear to prefer the stability of continuity over the uncertainty of a leadership challenge – at least for now.

https://partnership.sjp.co.uk/article/detail/sjpp/weekwatch-11-05-2026.html

28/04/2026

SNAP members 👋 let's get your finances as fit as you are! Come see me 👇

Joe Goodman 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 titles ‘Partner’ and Partner Practice are marketing terms used to describe St. James’s Place representatives.

SJP Approved 16/04/2026

21/04/2026

🚨 New Tax Year, Fresh Opportunities 🚨

The new tax year is here — and it’s the perfect time to get organised, save money, and plan ahead.

Here’s what you should be thinking about right now 👇

✅ Review your finances
Are you making the most of your allowances and reliefs?
✅ Use your allowances early
Don’t wait until the last minute — think about ISAs, pensions, and dividend allowances now.
✅ Plan your tax efficiency
Could you structure your income, savings, and investments more efficiently?
✅ Get organised
Clarity over your finances = better decisions.
✅ Think ahead, stay ahead

The biggest gains come from planning early — not rushing at the end of the year.

💬 Most importantly…

This is the time to talk about:
• Tax-efficient investing
• Pension contributions & long-term planning
• ISA strategies
• Protection for you and your family

Don’t leave it until the deadline panic, make this your most financially efficient year yet. 📩 Drop me a message to get started.

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

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

Joe Goodman 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 09/04/2026

16/04/2026

What is Compounding?

Compounding involves reinvesting the income earned from your investment so your original amount grows and potentially generates additional earnings over time.

Joe Goodman 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

10/04/2026

What is a Gilt?

A gilt is a bond issued by the government. Traditionally these were presented on gold-edged certificates, earning them the name ‘gilt’.

Joe Goodman 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

07/04/2026

“What does a Financial Planner actually do?” 🤔

It’s a question I get a lot… so here’s the simple version.

I help people get organised, protected and prepared with their money.

That can include things like:

📊 Pensions – setting them up or reviewing them to ensure they still meet your needs.
📈 Investments – helping you invest monthly or with lump sums and making sure it’s done in a tax-efficient way.
🛡️ Protection – making sure you and your family would be financially okay if life threw a curveball (life insurance, income protection, critical illness, family income benefit).
🏢 Business planning – helping business owners with corporate protection and investment planning.

But the real job is bigger than that.

It’s about helping people:

✔ Understand their finances
✔ Make better decisions with their money
✔ Plan for the future with confidence

In short… I help people put a plan in place for their financial future.
If you’ve ever wondered whether your pensions, investments or protection are set up properly, it might be worth having a conversation. 📩

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

Joe Goodman 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 20/03/2026

02/04/2026

When Tax Year End came early thanks to Easter... and you still made it! 🐾🕺

01/04/2026

What is an Index?

An index is a tool that helps investors understand how a particular part of the market is performing without having to analyse individual assets.

For example, the S&P 500 Index summarises the performance of the 500 largest companies listed in the US, giving a overall reflection of US stocks.

Joe Goodman 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

25/03/2026

What is a Bond?

This is the debt of a company or government and acts like an “I owe you”.

An investor who buys a bond is in essence lending money to that institution in return for repayment on a specific date, plus regular interest payments. Also known as fixed income.

Joe Goodman 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

17/03/2026

Emerging markets – the next generation…

Many emerging markets today look attractively priced in comparison to developed markets. They can also offer diversification benefits such as exposure to some technologies and innovations rarely matched in the West. Emerging markets typically have more attractive demographics (i.e. younger for longer workforces) likely to underpin superior economic growth.

https://partnership.sjp.co.uk/article/detail/sjpp/emerging-markets-the-next-generation.html

12/03/2026

⚠️Inheritance Tax is one of the most avoidable taxes – if you plan early enough!

As tax year end approaches, it’s a good time to review IHT planning opportunities that could significantly reduce what HMRC receives in the future.

This video breaks down key things to consider before it’s too late.
Taxation rules can change at any time and are dependent on individual circumstances.

Joe Goodman 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 29/12/2025

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