Freer Financial Planning Ltd

09/04/2026

Happy New Tax Year everyone!

Just a reminder that you make the most of your allowances throughout the year and it doesn't have to wait to the end - in fact investing at the start of the tax year provides an extra 12 months for your interest or investment returns to grow and compound.

Not only that, your money is sheltered from Income Tax and Capital Gains Tax from the moment it enters the account, maximising your returns.

You also avoid the last-minute rush to find funds before the April 5th deadline, preventing lost allowances that cannot be carried over.

02/04/2026

Very exciting news!
We have a shiny new website and it is now live and ready to visit! Please go take a look - there is all sorts of useful and interesting things on there - the link is in our bio!

18/03/2026

Tax thresholds are frozen and the cost of living has been rising - which means many people are feeling the impact on their take‑home pay.

That’s why using your available allowances before 5th April is more important than ever.



👉 Discover 5 allowances worth knowing about: https://partnership.sjp.co.uk/article/detail/sjpp/five-allowances-to-use-before-tax-year-end.html



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



Freer Financial Planning 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 2/3/2026

Five allowances to use before tax year end

12/03/2026

The Strait of Hormuz - why does it matter?

“It might be a small stretch of water, but the Strait of Hormuz is something rarely far from the minds of anyone who follows geo-economics. The speed at which tanker traffic has halted and translated into supply bottleneck concerns goes to show its importance to energy markets.” – Hetal Mehta, Chief Economist, St James’s Place.

Read more about the potential impact of the situation in the Strait of Hormuz here:

The Strait of Hormuz - why does it matter?

20/02/2026

Buy-to-let - are the tax benefits still worth it?

For years, owning a portfolio of buy-to-let properties was seen as a reliable way to earn steady income and build long-term wealth. But the landscape has shifted. Rents continue to climb across much of the UK.

However, tax changes and rising costs have made it more difficult for landlords to turn higher rents into greater profits. Meanwhile, the end of fixed term tenancies and the removal of ‘no-fault evictions’ has made the picture more complex. Here we take a closer look at the realities of holding a buy-to-let (B2L) portfolio.

Read the full article here: https://partnership.sjp.co.uk/article/detail/sjpp/buy-to-let-are-the-tax-benefits-still-worth-it.html

Buy-to-let - are the tax benefits still worth it?

09/02/2026

🗓️ 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://partnership.sjp.co.uk/partner/matthewfreer

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.

Freer Financial Planning 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 14/10/2025

05/02/2026

⏰ The tax year-end is almost here. There’s still time to add to your pension and take full advantage of the available tax reliefs before 5 April.

Even a small contribution today can have a significant impact on your retirement. Making regular pension contributions is a simple way to strengthen your financial future over the long term.

Turn pension planning into a good habit and enjoy the benefits it brings. Let’s plan ahead together: https://partnership.sjp.co.uk/partner/matthewfreer

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.

Freer Financial Planning 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 14/10/2025

27/01/2026

Is your money working as hard as you do?

Good habits around tax planning is an important step toward achieving your long-term financial goals.

When combined with a clear financial plan, making the most of available tax reliefs and allowances can help you create a solid foundation for your family’s future, support a comfortable retirement, and provide a structured approach for passing on wealth.

Download our Tax year-end guide here:
https://partnership.sjp.co.uk/advice-and-services/tax-year-end

Tax year-end 25/26

22/01/2026

⭐ Top tax tips for the year ahead ⭐
Changes to tax regulations can have a domino effect on your finances, including your tax bill. As we enter 2026, it’s time to triple check that you’re aware of how any changes may affect you. This tax checklist gives you top tax tips for the year ahead.

Find the checklist and read the full article here: https://partnership.sjp.co.uk/article/detail/sjpp/top-tax-tips-for-the-year-ahead.html

Your tax checklist for the year ahead

01/01/2026

✨ As the year comes to a close

New Year’s Eve is often a moment to reflect — not just on the year gone, but on what we’d like the next one to look like. For many, that includes thoughts about money and finances.

Financial resolutions don’t have to be dramatic. Small, considered steps, clearer understanding, and better conversations can make a meaningful difference over time.

As one year ends and another begins, it’s a good moment to pause, reflect, and reset.

27/12/2025

For many families, the festive period is one of the rare times everyone slows down, sits together, and has open conversations — including about finances.

We often see people reach out in the New Year after those Christmas-table discussions, ready to take positive steps, ask questions, and plan for the future.

If the festive season sparked thoughts about your finances, you are certainly not alone!