Hampton Wealth

18/07/2025

Pensions for Children 👩‍👩‍👧‍👦

If you set up a child pension while your children are young, you’re putting them on the path to future financial wellbeing. We explain why starting early means starting right. 👈🏼

Pensions for children – what you need to know

01/07/2025

⚡⚡ Five things to consider amid market uncertainty ⚡⚡

The uncertainty surrounding the situation in the Middle East is breeding a sense of unease in the markets and investors. In recent days, we have seen the price of oil fluctuate considerably. However, the broader market reaction has been relatively contained so far.

As Hetal Mehta, SJP’s Chief Economist says, “the current flare up in tensions has caught the attention of markets more than other recent episodes, thanks to Iran’s position as the ninth largest oil producer globally (and fourth largest in OPEC). A further area for concern is whether the Strait of Hormuz is shut down; about 20% of global oil and a substantial share of global trade passes through this shipping route.”

It’s only natural to worry about the impact sustained conflict or rising political risks may have on portfolio returns. Markets can and do react to such events. We’ve seen this before. But this is typically a short-term reaction.

Five things to consider amid market uncertainty

09/06/2025

What is the seven year rule in Inheritance Tax? 🧓🏼👴🏼🧓🏼👴🏼

🔮If you want to gift your family more than £3,000, you will need to survive for seven years after making the gift, otherwise it could potentially be liable for inheritance tax (IHT).

🔮Structuring your gifting over the longer term and making full use of your annual gifting allowance, along with any other IHT exemptions which may be available to you, such as the gifts out of normal expenditure exemption, can help you manage your IHT liability.

🔮Financial advice can be invaluable in helping you gift larger amounts and plan your legacy.

What is the seven year rule in Inheritance Tax?

06/05/2025

When do I need to start saving for retirement?

⚡⚡By age 30, you should have the equivalent of a year’s salary in the bank or in your pension.

⚡⚡By 50, you should have six times your salary in your retirement savings.

A financial adviser can give you retirement savings advice, support and strategy that will put you on course towards a great retirement.💸

When do I need to start saving for retirement?

06/05/2025

Another 5***** review

19/03/2025

🧓🏼🧓🏼How to avoid inheritance tax traps👴🏼👴🏼

👍🏼An inheritance can be a life-changing sum of money. Inheritance planning can help make sure the right amount reaches the right people tax efficiently.

👍🏼You can reduce the amount of Inheritance Tax (IHT) payable with careful estate planning and tax-efficient gifting.

👍🏼We can help explain the complex rules around IHT, so you can leave more of your wealth to those you love.

How to avoid inheritance tax traps

28/02/2025

⚡⚡ Using pensions and ISAs to reduce your tax bill ⚡⚡

🧠Pensions and ISAs remain the most popular and tax-smart ways to save.

🧠Using all your pension and ISA allowances before this tax year-end will bring your tax bills down.

🧠Pensions remain the most tax-efficient way to save for the long-term, while ISAs are simple, flexible and put your cash at your fingertips.

Using pensions and ISAs to reduce your tax bill

11/02/2025

🧠🧠 How you can maximise your pension contribution 🧠🧠

✒Understanding and using your full range of tax breaks on ISAs, pensions, dividends and capital gains will help boost your pension pot, ready for your retirement.

✒Both pension and ISA annual allowances offer real tax efficiencies.

✒Managing your current assets tax-efficiently now will help you achieve the lifestyle you want in retirement.

How you can maximise your pension contribution

21/01/2025

What the Autumn Budget means for tax year-end

⚡⚡The Autumn Budget directly affects anyone planning to sell assets or leave a legacy.

⚡⚡These changes may impact your long-term financial planning, and now is the time to reassess your options.

⚡⚡Financial advice at this point can prove invaluable in helping you calculate your next moves, and your best moves.

What the Autumn Budget means for tax year-end

08/01/2025

🧠🧠Financial advice changes lives, SJP’s Real Life Advice Report finds🧠🧠

SJP’s Real Life Advice Report in 2024 was one of the largest consumer experience surveys commissioned by the financial services sector.

The Report found conclusive evidence of the positive impact of financial advice on people’s ability to reach their goals and feel financially secure.

But, with over a third (33%) of the population feeling that advice ‘isn’t for them,’ there remains much to be done to bridge the ‘advice gap’.

Financial advice changes lives, SJP’s Real Life Advice Report finds

06/12/2024

🧠🧠Planning your retirement is the single biggest reason for seeking advice🧠🧠

✒ Retirement planning is the nation’s single biggest reason for seeking financial advice.

✒ One in three over-44s will actively seek advice on planning retirement in the next six months.

✒ Retirement planning often comes too late, with only one in 10 (12%) Gen Zs and one in five (18%) Millennials making it their priority.

✒ SJP analysis finds that just a five-year delay in starting a pension could result in £67,000 less for your retirement2.

✒Financial advice can be transformational in achieving a comfortable, stress-free retirement

Planning your retirement is the single biggest reason for seeking advice

18/11/2024

👈🏼👈🏼What is protection and why do I need it? 👈🏼👈🏼

🔮🔮Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – and financial resilience.

🔮🔮Financial protection such as insurance cover helps ensure that you and your family will be able to pay bills, maintain your lifestyle and safeguard your savings, should the worst happen.

🔮🔮A financial adviser can help you make sure you have the right level and type of protection for you, both now and in the future.

What is protection and why do I need it?