Hearnden & Weston Wealth Management Ltd

Home
United Kingdom
Solihull
Hearnden & Weston Wealth Management Ltd

Hearnden & Weston Wealth Management Ltd is a Partner Practice of St. James's Place Wealth Management.

We offer financial planning to individuals, families and businesses in the Solihull and surrounding areas.

16/07/2026

Retirement might feel far away but the earlier you understand how pensions work, the better.

Pension contributions attract tax relief at your marginal rate.
Money paid in grows in a tax-efficient environment.
And at retirement, up to 25% can typically be taken tax-free.

Understanding these basics is a good place to start.

As with all tax matters, individual circumstances may vary and rules can change.
Hearnden & Weston Wealth Management Limited 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 16/06/26

13/07/2026

"The best time to think about the future is before you need to."

Many of life's biggest financial moments - retirement, passing on assets, protecting a family - benefit from being thought about early.

Not because anything needs to change right now, but because knowing where you stand is a useful starting point.

Hearnden & Weston Wealth Management Limited 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 16/06/26

09/07/2026

IHT: a quick overview

UK Inheritance Tax basics for 2026/27:
- 40% tax on estates above £325,000
- Extra £175,000 may apply when passing your home to direct descendants
- Spousal transfers can effectively double the threshold
- Gifts made 7+ years before death are generally exempt

IHT affects more estates than many expect so awareness is the first step.

As with all tax matters, individual circumstances may vary and rules can change.
Hearnden & Weston Wealth Management Limited 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 16/06/2026

07/07/2026

We did it! A lot of obstacles, a whole heap of determination and team work and even more mud! A LOT of mud! We had so much fun tackling Tough Mudder and although it was hard going at times we pulled together and powered through to finish it together. All in memory of our amazing colleague, Rick Hearnden, and to raise money for Marie Curie UK . Can’t think of a better motivation to throw ourselves into endless muddy pools and work to pull each other over those obstacles. Thank you so much for all your donations, Rick would have been laughing so hard at us all 💕

02/07/2026

Life changes. Financial plans should too.

Marriage, divorce, children, a new home, a new job - each of these can affect your financial position in ways that are worth understanding.

Reviewing where things stand after a major life event is a sensible habit.

Hearnden & Weston Wealth Management Limited 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 16/06/26

30/06/2026

Capital Gains Tax: The Essentials

Capital Gains Tax (CGT) is a tax on the profit made when you sell or dispose of an asset that has increased in value. It is the gain that is taxed, not the total sale proceeds.

The current annual CGT exempt amount is £3,000 per individual. Gains above this threshold are taxed at rates that depend on the type of asset and the taxpayer's income tax band.

Broadly, residential property gains are taxed at higher rates than other assets. Business Asset Disposal Relief may reduce the effective rate on qualifying business disposals, subject to a lifetime limit.

As with all tax matters, individual circumstances may vary and rules can change.
Hearnden & Weston Wealth Management Limited 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 16/06/26

26/06/2026

Gifts and the 7-year rule explained.

Many people are unaware that gifts made during a person's lifetime can affect their Inheritance Tax position after death.

Under current UK rules, gifts made more than 7 years before death are generally exempt from IHT.

Gifts made within 3 years of death are typically taxed at the full 40% rate, with tapering relief available on gifts made between 3 and 7 years before death.

Certain gifts - such as annual exemptions of up to £3,000, small gifts of up to £250 per recipient, and gifts out of regular income - may be immediately exempt, regardless of the 7-year rule.

As with all tax matters, individual circumstances vary and rules can change.

Hearnden & Weston Wealth Management Limited 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 16/06/2026

24/06/2026

Thinking about your financial future doesn't have to be complicated.

It starts with a few simple questions:

Do I have a will?
Do I have a pension and do I know what's in it?
If I couldn't work tomorrow, what would happen?
Is there anyone who depends on me financially?

These aren't things to worry about. They're things worth knowing.

Will writing involves the referral to a service that is separate and distinct to those offered by St.James's Place. Wills are not regulated by the Financial Conduct Authority.

Hearnden & Weston Wealth Management Limited 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 16/06/2026

17/06/2026

We must be mad but we've decided to take on Tough Mudder in memory of our much-loved colleague, Rick. The course will see us tackle a 15km run, endless obstacles and a whole lot of mud!

Rick was a truly special person - kind, loyal, hardworking, and deeply dedicated to both his family and his work. His warmth and generosity touched so many lives, and he will be greatly missed by everyone who had the privilege of knowing him.

In his final days, Rick was cared for by the wonderful team at Marie Curie Solihull. The compassion, dignity, and support they provide to both patients and their families is nothing short of extraordinary. For anyone who has experienced the care of a hospice, you will know how invaluable it is, offering comfort, peace, and precious time together when it matters most.

The team will be led by Practice Principal Nicky Hearnden, Rick’s son, and we are sure Rick would find great humour in watching us put ourselves through the 20 muddy obstacles!

Please support us in any way you can. Every donation, no matter how small, will make a real difference and be a fitting tribute to a wonderful man.

Donations can be made via our Just Giving page - https://www.justgiving.com/page/laura-glynn-1

Now to get the last bit of training in!

08/06/2026

As a business owner, you’re used to thinking ahead – but it’s easy for your own financial planning to slip down the priority list. Taking a moment to review your goals and put the right plans in place can make a real difference for you and your business.

A bit of proactive planning can help you:

- Make the most of available tax opportunities

- Protect your business for the long term

- Create a clear path for sustainable growth

You’ve worked hard to build your business - let’s make sure your finances are working just as hard for you.

Start your good habits today and move forward with clarity and confidence.

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

Hearnden and Weston 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 12/03/2026

Address

Avon House, 435 Stratford Road, Shirley
Solihull
B904AA

Website

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

Alerts

Be the first to know and let us send you an email when Hearnden & Weston Wealth Management Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.