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Rogers Wealth Management Ltd

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Rogers Wealth Management Ltd

We specialise in bespoke face to face financial advice for individuals, families and businesses in the East Midlands.

17/07/2026

Women and wealth: A growing frontier

Women own more wealth than at any time in history. Money is being earned, created through entrepreneurship, and inherited by women through wealth transfer at a rapidly growing rate.

But for many women there are still significant barriers to growing their wealth and gaining financial security. This is because they must navigate a financial and economic system designed predominantly by men, which often doesn’t reflect their lives.

However, a quiet revolution is happening. With women holding more wealth in their own right, they are beginning to demand a different approach from financial services providers – and from financial advice. While the pace of change is likely to be slow, a shift is on the horizon.

Women and wealth: A growing frontier

14/07/2026

You can read the Wealth WeekWatch here:

Mortgage rates fall at fastest pace in almost two years

Average fixed mortgage rates fell last month, representing the largest reduction since October 2024.

Mortgage experts have reported falls in average two-year and five-year fixed rate deals. The continued decline in fixed mortgage rates suggests financial markets expect further reductions in the Bank of England base rate.

However, mortgage pricing is also influenced by lender competition and movement in swap rates, so falling mortgage rates do not guarantee the Bank of England will cut the base rate.

WeekWatch

10/07/2026

Five trends defining the UK SME market in 2026

Even in turbulent times, businesses that plan early, invest in value creation and approach growth strategically achieve stronger outcomes.
SME owners are still keen to progress succession planning, management buyouts, employee ownership structures and growth-to-exit strategies.

Martin Brown, CEO of business advisory firm Elephants Child, discusses the trends they are seeing in the SME market this year.

Sir Keir Starmer’s recent resignation as prime minister has put the spotlight back on economic growth. Political leadership has been extremely changeable
in recent years. For UK businesses, the challenge remains consistent: how do we create sustainable growth in an environment that continues to test confidence and resilience? For SME leaders, this question is more important than ever.

The UK economy is still grappling with the long-term effects of the 2008 financial crisis and the pandemic. Business confidence has remained fragile. Tax burdens have increased. Regulation has become more complex, and decision-making across many sectors has slowed.

Despite the challenges businesses are facing, we have seen continued demand for growth, funding and exit advice. While decision-making across the market has become noticeably slower since the beginning of the year, activity has remained resilient. We have been particularly encouraged by the appetite among business owners to explore succession planning, management buyouts, employee ownership structures, and growth-to-exit strategies.

Five trends defining the UK SME market in 2026

07/07/2026

You can read the Wealth WeekWatch here:

FTB ISA savers to lose out on benefits of compounding

Changes to the timing of the government bonus on the new first-time buyer (FTB) ISA could leave savers worse off than under previous schemes, experts have warned.

The government unveiled the details of its new FTB ISA last week. It will replace the lifetime ISA (LISA), which savers can use to save towards a deposit on a first home as well as saving for retirement, from next year.

Under a LISA, the government bonus is added every year and can benefit from any future interest or investment growth. Over time, this compounding effect can help savers build a larger deposit pot. Although investors need to bear in mind that with a stocks and shares LISA, the value of the fund could fall as well as rise and they could get back less than they invest.

In contrast, under the proposed FTB ISA, the government bonus would only be added when the money is withdrawn to buy a property, meaning savers would miss out on this additional compounding growth.

Experts say that while the new FTB bonus structure will remove the issue of the early withdrawal penalty (currently 25% if a LISA saver withdraws the money and doesn’t use it to buy a first property), it could mean it will take longer for FTB ISA savers to build up a home deposit.

Niki Patel, tax and trust specialist at St. James's Place says: ‘The loss of compounding is a potential drawback of the proposed FTB ISA. Over several years, this could leave long-term savers with a noticeably smaller pot, reducing the overall value of the incentive.’

Please note that lifetime ISAs (LISA) are not available through St. James's Place.

WeekWatch - 06/07/2026

03/07/2026

Can I gift assets to avoid paying care home fees?

If you do end up needing social care, the local authority will carry out a free ‘needs assessment’ – a means test – to decide how much you should pay towards your care.

In England, if your capital exceeds £23,250, you will usually be expected to meet the full cost of your care.

Many people are under the impression that, if you can reduce the amount of your assets by giving away money, property or income, the state will step in and pick up more of the bill. Gifting money to reduce your overall estate is a common part of legacy planning – and in theory it could help you qualify for state-funded care in later life.

However, there are very strict guidelines on giving away property and assets. We can help you understand what these are, and help make sure that you don’t fall foul of the ‘deprivation of assets’ rule.

Can I gift assets to avoid paying care home fees?

30/06/2026

You can read the Wealth WeekWatch here:

Burnham enters stage left?

Monday 22 June saw Sir Keir Starmer announce his resignation. So far, no one has stepped in to challenge his presumptive successor, Andy Burnham.

Questions are naturally being asked about who Burnham will pick as his chancellor – whether that is Rachel Reeves or someone new such as Ed Miliband or Shabana Mahmood. Regardless, they’ll face the same challenges that already exist: a high level of public debt, an aging population, comparatively high tax levels, and competing priorities.

In this environment, so far markets have not reacted in any meaningful way. The FTSE 100 (which is light on tech) and gilts have remained relatively stable since Starmer’s resignation announcement, and the pound has even strengthened.

WeekWatch - 29/06/2026

26/06/2026

BoE keeps interest rates on hold

The Bank of England has voted to keep interest rates unchanged at 3.75%.

This decision had been widely expected. The nine members of the Bank’s Monetary Policy Committee (MPC) voted 7-2 to hold the bank rate at current levels. The two dissenters voted for a 0.25 percentage point increase to 4%.

In its meeting notes, the MPC noted inflation had fallen since the last meeting, but that it was expected to rise later in the year, as higher energy costs feed through to consumers.

However, with a fast developing situation in the Middle East, a loosening labour market and signs of a weakening economy, the majority of the MPC felt the current base rate was still appropriate.

Current data proved supportive. The Office for National Statistics (ONS) update yesterday revealed inflation was 2.8% in May. This was level with April’s figures, and notably below the 3% generally expected by analysts.

Matching the US

The MPC decision also followed the US Federal Reserve making the same decision a day earlier.

Analysts were especially interested in the US decision, as it marked the debut of Fed chair Kevin Warsh. While a vote to keep rates unchanged was expected, of more interest was his decision to stop providing forward guidance alongside rate votes. Despite this, markets are still pricing in at least one rate hike in both the UK and US this year.

BoE keeps interest rates on hold

23/06/2026

You can read the Wealth WeekWatch here:

Rise in UK political uncertainty

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It comes after just under two years in office and means the UK will soon have its fifth prime minister in as many years. However, the next steps remain unclear. Even in the event of a smooth ‘coronation’ to a successor, the process could take several weeks.

Immediately after the announcement, the UK market took Starmer’s resignation largely in its stride, although the pound weakened in anticipation of his resignation. The FTSE was very marginally down while gilts held steady in the hours after the news was released on Monday morning. However, a big question, not least for markets, will be who becomes the next chancellor if, as expected, Rachel Reeves is moved from her current position.

Hetal Mehta, St. James's Place’s Chief Economist, says: “Given the current situation, policy uncertainty – especially regarding the fiscal stance – could remain elevated for months, i.e, until the next Budget.

“Without cuts to day-to-day spending and welfare, any attempts to boost investment or reduce the real terms spending cuts some government departments are facing, would require tax increases.”

WeekWatch - 22/06/2026

19/06/2026

Investing and penalties: a game of nerves or reactions?

With the start of the 2026 World Cup, fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shootout.

A record-breaking five matches were decided this way in the 2022 tournament, including, famously, the final between Argentina and France.

Penalty shootouts offer goalkeepers the chance to be the hero, to display lightning reactions, diving to the left or right in an effort to keep the ball out of the net. In truth, they often would be better served staying put in the middle of the goal. But it wouldn’t look as good.

The same is true in investing – with so much noise around world events, it can be tempting to buy and sell investments as they rise and fall, to try and time the market. But history has shown time and time again the best option is to avoid making emotional decisions, and to stay true to your long-term process. While investments have delivered positive outcomes over many longer-term periods, returns can never be guaranteed, and you could get back less than you invest.

Investing and penalties: a game of nerves or reactions?

Address

Rogers Wealth Management Ltd, 18 Hilton Crescent, West Bridgford
Nottingham
NG26HT

Opening Hours

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

Telephone

+441158387020

Website

https://www.rogerswealthmanagement.co.uk/index.html

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