DWJ Wealth Management Ltd

31/10/2026

A career break can be a positive and important part of life – but it can also have longer-term financial implications.

Women are more likely than men to take time away from work, whether for maternity leave, caring responsibilities, a change of direction or other reasons. SJP research found that 19% of women felt less financially secure as a result of a career break.

Time away from work can affect earnings and pension contributions, while returning to work can bring its own challenges. Understanding the potential impact and factoring career breaks into longer-term financial planning can help women consider the choices available to them as circumstances change.

The research also found that women receiving ongoing financial advice were less likely to report feeling financially insecure following a career break than those who did not receive advice.

Read more: https://www.dwjwealth.co.uk/the-missing-years-caring-career-pauses-and-long-term-planning


Tax, pension and financial planning considerations will depend on individual circumstances and rules may change.


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.

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

31/10/2026

💙Stronger together 💙Giving back to Our Community is equally as important to making a profit. Please help if you can ……
❤️💛💙 Paula is one of our lovely clients and is one of the Trustees.

We are delighted announce that DWJ Wealth Management Ltd has signed up to the Families Christmas Tree campaign.

At DWJ, we firmly believe that being part of a community means more than simply working in it. It means supporting it, giving back and doing what we can to help those who need it most.

We know times are tough for many people, and sadly, for some families the reality is literally heating or eating. No family should have to face that choice, particularly at this time of year.

We appreciate that everyone is feeling the pinch, but if you can spare something, however big or small, please consider getting involved.

Please share the campaign, spread the word and help us make a difference.

Corporate Social Responsibility isn’t just a tick-box exercise for us. It’s about people, compassion and recognising that when we work together, we can achieve so much more.

Let’s look after our own, support our community and make sure those who need a little help don’t feel forgotten.

Stronger Together. ❤️



https://lnkd.in/p/earqC7Sv

We're inviting Swansea Bay businesses to get involved in our 2026 Giving Tree campaign! 🎄 Could your workplace, school or community group host a Giving Tree this Christmas? We're bringing people together across Swansea Bay to help make Christmas warmer for local children and families. Hosting a G...

29/10/2026

With pensions and inheritance tax changes due from April 2027, many people will be reviewing their existing estate plans.

While the changes won’t affect everyone, they could have important implications for many retirees, business owners and families looking to pass on wealth efficiently.

The key is to understand how the rules apply to your circumstances before making any major decisions.

If you’d like to discuss your options, please get in touch.

DWJ 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) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.


James’s Place


SJP Approved: 27/08/2026

27/10/2026

Global stock markets fell as investors re-examined the case for high levels of AI expenditure and further energy-driven inflation. Oil prices are at their highest level since June 2022 in response to escalating attacks on shipping in the Middle East. Speculation is also growing that the US will resume attacks against Iran following the US midterm elections in just over a week. French government bonds continued to weaken, with yields rising as prices fell. Responses to the civic unrest may complicate moves to repair the weak public finances. US Treasuries benefited as investors sought safety, with the yield on the 10-year bond falling below 5%. The Japanese yen also strengthened. The gold price weakened. As gold does not generate any income, higher interest rates make it less attractive to investors relative to interest-bearing assets.

In the UK meanwhile, all eyes will be on Chancellor John Healey as he prepares to give his first Autumn Budget, against a difficult fiscal backdrop.

Read more: https://www.dwjwealth.co.uk/weekwatch-26-10-2026

23/10/2026

The small print in life insurance can make or break a claim! It’s surprising how much detail we go through that clients often miss.

Have you looked closely at the fine print in your life insurance? It can truly make a difference when it comes to claims. Many clients overlook details that could affect their cover.

It's like missing the small ingredients in a recipe; they can change the entire dish. Taking a moment to review what you have can provide peace of mind and sometimes make all the difference.

21/10/2026

October is here, and with it, Breast Cancer Awareness Month. 🎀 This is a time to honour those touched by breast cancer and support the incredible work being done to make a difference.

Every small effort counts - whether it’s sharing vital resources, participating in fundraising events, or simply wearing pink. It’s about showing solidarity and spreading awareness.

Together, we can pave the way for a future where fewer lives are affected. Let us know how you are supporting this cause this month..

19/10/2026

President Trump last week announced that his administration had reached an agreement on the release of about 13.5 million barrels of Russian diesel. However, October’s shipment of 2.3 million barrels against daily global demand of about 30 million barrels means that in the short term, this is unlikely to make a significant dent in bringing the diesel price down. While the price of US diesel futures closed $0.20 lower at $4.68/gallon on Friday, the retail price of $6.28 a gallon is almost double the $3.68 price a year ago.

Read more: https://www.dwjwealth.co.uk/weekwatch-12-10-2026

16/10/2026

With less than four weeks before the chancellor John Healey stands up to give his first Budget, leaks about what might be announced have been few and far between.

The lack of rumours has also led to a notable reduction in speculation, which has been welcomed by both SJP and markets. The panic seen in previous years around potential changes to pensions for example, appears to have been largely muted.

However, in his keynote speech to the Labour Party conference in Birmingham on Tuesday, the prime minister Andy Burnham set out a pledge to offer access to free social care services to everyone in England – on which he intends to lead Labour into the next election.

Read more: https://www.dwjwealth.co.uk/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

14/10/2026

👉 The compound effect of habits.

Habits shape our lives in more ways than we often realise. A small slip here and there can snowball into something bigger. But take heart! The same goes for good habits.

Think about it: those little choices we make daily can lead to meaningful changes over time. Just like watering a plant, consistent care yields growth. 🌱

It’s about being kind to yourself and recognising that progress isn’t always a loud process. Every bit of effort counts, whether it’s reading a page of a book or saving a little extra.

What small habit are you nurturing today?
"

Source: https://www.instagram.com/thomasandvisuals

12/10/2026

September saw oil prices remain elevated, while government bond yields rose across several major economies. Higher energy prices and inflationary pressures have added to concerns around borrowing costs, with central banks taking different approaches to interest rates.

In the UK, attention is turning to the upcoming Budget, while proposed changes to the State Pension triple lock and a new scheme for first-time buyers are also in focus. Elsewhere, political uncertainty in France and rising US Treasury yields have added to pressure in bond markets.

Meanwhile, investment in artificial intelligence continues at pace, with major technology companies competing for investor attention.

Read more: https://www.dwjwealth.co.uk/weekwatch-05-10-2026

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.

Tax, pension and related rules can depend on individual circumstances and may change.

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