Buchan Wealth Management Limited

02/04/2026

Our office will be closed over the Easter Bank Holiday weekend from Friday through to Monday, reopening on Tuesday.

Wishing all of our clients, colleagues, friends and families a lovely Easter weekend filled with rest, chocolate and hopefully a little sunshine too. 🐣

Thank you, as always, for your continued support.

08/03/2026

Happy International Women's Day! Today, we celebrate the incredible women making waves in our industry.

Their stories inspire us all:
- Breaking barriers
- Shattering glass ceilings
- Leading with heart

Let’s honour their achievements and continue pushing for gender equality.

30/01/2026

As a business owner, you’re used to thinking ahead, but it’s easy to let your own financial planning slip down the list. Taking a little time now to review your goals and put a plan in place can make a big difference for you and your business.

With the tax year ending on 5 April, now’s the perfect moment to take stock and prepare for what’s next.

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 head into the new tax year with clarity and confidence. Contact me here: buchanwm.co.uk

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

Buchan Wealth Management 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

29/01/2026

Pensions and ISAs both play an important role in building long-term financial security, but they work in different ways.

As the tax year end approaches, now is the time to review how you’re using both and ensure you’re making the most of the allowances available this year.

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

Buchan Wealth Management 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 22/12/2025

28/01/2026

Is your money working as hard as you do? 💼💪

Good financial habits, like making the most of your annual tax reliefs and allowances help ensure your effort brings greater reward.

As we approach tax year-end, now is the perfect time to check in on your financial fitness.

Join us on Thursday 12 February 2026, 12:30–13:30, for our live webinar:

✨ Ready for Tax Year-End?

Hosted by Iain McLeod, with expert insights from: 🔹 Niki Patel – Tax and Trust Specialist 🔹 Claire Trott – Retirement & Holistic Planning Specialist

You’ll learn:
✔️ How to complete your year-end tax checklist with confidence
✔️ Tax-saving opportunities tailored to you
✔️ How to maximise reliefs and allowances
✔️ Key inheritance tax considerations
✔️ Practical steps to strengthen your financial wellbeing

Start building strong financial habits today, your future self will thank you.

👉 Save your spot now: https://sjp-co-uk.zoom.us/webinar/register/4917611376598/WN_2iWAG4LFSBSoxtfXwCZTnA #/registration

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

Trusts are not regulated by the Financial Conduct Authority.

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 19/12/2025

27/01/2026

Is this the new normal for markets?

Despite the stark geopolitical ruptures brought to the surface at Davos and the brief threat of further tariffs, markets ended the week little changed.

The initial playbook was as expected. Investors reacted to President Trump’s threats of tariffs and force over Greenland by selling European shares and US stock futures (as Monday was a public holiday in the US). Yet by Wednesday, some of these fears dissipated as Trump announced the vague framework of a deal over Greenland. This helped markets rebound mid-week. Key indices on both sides of the Atlantic ended the week off their lows. One visible casualty over the week was the dollar, which delivered its steepest weekly decline since May against a basket of other currencies.

Read more: https://buchanwm.co.uk/article/detail/sjpp/weekwatch-26-01-2026

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Past performance is not indicative of future performance.

The information contained is correct as at the date of the article. The information contained does not constitute investment advice and is not intended to state, indicate or imply that current or past results are indicative of future results or expectations. Where the opinions of third parties are offered, these may not necessarily reflect those of St. James's Place.

Source: London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). ©LSE Group 2026. FTSE Russell is a trading name of certain of the LSE Group companies.

25/01/2026

A very Happy Burns Night.

This special evening is a wonderful occasion to honour the life and works of Robert Burns, Scotland's beloved poet. It's a time to come together with friends and family, enjoy traditional Scottish food and celebrate the rich cultural heritage that Burns represents.

As you raise a glass and share in the recitation of his poetry, may you feel a deep connection to the themes of love, nature, and humanity that flow through his words.

We hope this night brings warmth and joy to your heart. Cheers! 🥃

21/01/2026

Aberdeen Football Club play their next home game on Saturday 24th of Janaury against Livingston kicking off at 3pm 🔴⚪️🔴⚪️

️We have 4 tickets available in the Buchan Wealth Managment Family Area. ⚽️⚽️

All you have to do to is like this post and tag who you would take with you to the match. We'll announce the winners on Friday morning, 23rd Janaury.

Fewer than 100 tickets remain in our Buchan Wealth Management Family Area this Saturday 👊

🔴 Meet the mascots
🔴 Free giveaways
🔴 Pre-match face painting

All U12s go FREE ⤵️

🎟️ bit.ly/3L3vSUV

19/01/2026

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. buchanwm.co.uk

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.

{ enter your business name here } 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

16/01/2026

💷 Making your pension and ISA allowances work harder

With income tax thresholds frozen and earnings rising, many people are finding themselves paying more tax than expected. In this environment, pensions and ISAs continue to play an important role in long-term financial planning.

Why they matter

Pensions can help reduce taxable income while building funds intended for later life, although access is restricted and values can fluctuate.

ISAs allow savings and investments to grow free from Income and Capital Gains Tax, with greater flexibility when accessing funds.

Used together, they can help manage tax exposure, support future income planning and provide greater choice over when and how money is used.

Recent Budget announcements have signalled changes to cash ISA rules and salary sacrifice arrangements in the years ahead. While these developments may affect how allowances are used in future, the core principles remain unchanged: making effective use of available allowances can still make a meaningful difference over time.

For many people, balance is key. Pensions may suit longer-term objectives, while ISAs can provide flexibility for shorter- or medium-term needs. Reviewing how these fit together can help avoid being forced into decisions later on.

Tax rules and allowances can change and depend on individual circumstances. Taking time to review your position regularly can help ensure your approach continues to reflect both current rules and future goals.

This content is for information only and does not constitute financial or investment advice.

Read more: https://buchanwm.co.uk/article/detail/sjpp/making-your-pension-and-isa-allowances-work-for-you

14/01/2026

Changes to tax rules can have a knock-on effect across your finances, often in ways that aren’t immediately obvious.

As we move into 2026, it’s a good time to double-check how recent and upcoming changes could affect your tax position.

Here are some of the key changes:

- While the overall ISA allowance remains at £20,000, from April 2027, those under the age of 65 will be able to invest a maximum of £12,000 in a cash ISA.

- Dividend tax rates will increase for basic and higher rate taxpayers from April 2026 to 10.75% and 35.75% respectively. The additional rate will remain at 39.35%.

- From April 2027, savings and property income tax will rise by 2%. Basic rate taxpayers will pay 22%, higher rate taxpayers will pay 42% and additional rate taxpayers will pay 47%.

- Those who use salary sacrifice to contribute to a pension scheme may also lose some of the benefits. From 2029, only the first £2,000 each year contributed via salary sacrifice will be exempt from national insurance (NI) both on the individual and the employer.

Your 2026 tax checklist:

- Make full use of your ISA allowance where appropriate

- Review the performance and structure of your pensions, ISAs and other assets

- Consider maximising pension contributions before tax year end

- Review gifting options, including regular gifts from surplus income

- Discuss ways to manage potential Capital Gains Tax liabilities

2025 was financially challenging for many people. Taking a proactive approach now can help ensure your finances are well positioned as we enter the new tax year.

Read more: https://buchanwm.co.uk/article/detail/sjpp/top-tax-tips-for-the-year-ahead

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

An investment in equities and shares will not provide the same security of capital as a deposit account. Over the long term, inflation may erode the purchasing power of cash.

Tax rules and allowances can change at any time and depend on individual circumstances.

Cash ISAs are not available through St. James’s Place.