SRG Wealth Management

30/04/2026

SRG 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 30/04/2026

08/06/2023

Good workout at Prime Health & Fitness in Ellesmere Port again this morning. Pete Howell is currently raising money for the WUTH Charity. It is £1 for 1 minute on a Concept 2 rowing machine. Currently the leader board is really close. The competition is open until the end of June. We are hoping to raise plenty of money for Philip Crawford and his team to help our local hospital facilities and patients. If you like rowing or just want to give it a try why do you not join us next Wednesday at 12.30 or Thursday at 7:30 to have a workout with other business owners and see if you can climb that leader board. 🚣‍♂️ 🏅

04/11/2022

Will your estate be liable for Inheritance Tax?
Recent figures published by HMRC suggest that this year might be another record year for inheritance tax receipts for the treasury. Between April and September 22 an amount of £3.5 billion had to be paid which is £0.4 billion higher than the same period a year earlier. Usually only a very small percentage of residents will be liable to this tax as current legislation offers a large tax-free allowance per person. However, especially because of the large increases in residential property values more and more residents are expected to face further tax payments in the future. With most things in life being aware of the potential tax risk to your estate and some careful financial planning many people could avoid these tax payments altogether.
Why not get in touch with me for a no obligation initial consultation? You can contact me on [email protected] or call 07376 601757.
Taxation rules can change at any time and are dependent on individual circumstances.
Source: You Gov website updated on 21 October 2022
SRG 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: 03/11/2022

05/09/2022

What is Life-styling and is this mechanism out of date?
Many of pension plan holders have a mechanism on their plan which is called Life-styling. This means that at some point before their selected retirement age, usually 5 to 10 years beforehand, the pension providers shift the pension assets into less riskier assets so that when it reaches the retirement age the pension plan holder holds most or all of its assets in cash.
This process was particularly useful if you wanted to convert the cash into an annuity at retirement. However, most pension savers have now the choice to access their savings more flexibly and may want to have their money invested into a broader portfolio throughout their retirement. By reducing the risk of the existing portfolio before the retirement age you might also reduce the overall return of the pension pot, hence if you want a more flexible access to your pension savings speaking to a financial adviser would be a good starting point.
Why not get in touch with me for a no obligation initial consultation? You can contact me on [email protected] or call 07376 601757.
The value of your investment can go down as well as up. You could get back less than you invested.
SRG 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).

07/06/2022

Why is Cash Flow Planning important for your retirement?
1. It removes financial jargon and therefore it is much easier to understand
2. It will give you answers to the following questions:
a. Likelihood of retiring earlier
b. How much you need to save to achieve a specific income
c. Financial implication to your family should you pass away early
d. Impact on your goals if markets perform below expectation
If you would like to receive your own bespoke cash flow plan, why not get in touch with me for a no obligation initial consultation under [email protected] or call 07376 601757.

09/02/2022

Are you earning more than £50,000 or more than £100,000? Then perhaps the following information will be just right for you to avoid higher tax payments.

It is always good to get in touch with a financial planner to discuss your circumstances.

Beat the 60% tax trap

07/02/2022

Are you planning to retire over the next 5 to 10 years and are still unsure if you have saved sufficient money for it?
Your solution would be to sit down with a financial planner and complete your own personal cash flow plan. Why? The plan will answer you the following questions:
• The likelihood of having sufficient assets to support your lifestyle
• The probability of running out of money during retirement
• And possible solutions of how changes in your spending could help you make you money last longer
Are your interested in hearing more?

02/02/2022

It is the time of the year that millions of pension holders receive their annual statement. Many will just open the letter and file it into their draw of invoices and receipts. Please don’t!
Having a new statement is a good chance to make some important changes:
1. Readjust your investment allocation
2. Increase your regular savings amount
3. Find out how much an increased contribution means for your retirement pot
4. Request some additional tax relief from HMRC
I fully understand that most of us would not know where to start so for all those people who don’t know get in touch with a financial planner and let them help you achieve your financial goals.

31/01/2022

Are you missing out on a tax refund?
Financial Planning is not all about performance, charges, and objectives.
Many employees contribute into their personal or workplace pension plan but forget to claim some additional tax relief they are due from HMRC. However, without a claim you will not receive anything. I have helped many of my clients make a successful claim over the years.
If you have earned over £50,000 over the last years, then get in touch with your financial planner to see if you are due some taxes back.

06/01/2022

New Year… New You? 🤥
Unlikely – When it comes to resolutions for 2022 the majority of us fail within the first month. ❌
If you really want them to stick past February you need to make sure they are relevant, specific to you, and part of a plan… making them achievable and actionable.
Better understanding the ‘YOU’ in a New Year’s financial resolution is an important first step – and it is easy! ✅
If getting your financial affairs in order is important this year, you should consider how your own relationship with money affects your ability to succeed in achieving them. Discover your WealthPersonality® today and learn ways to help you take control of your financial future for 2022. Start the New Year with a fresh outlook.
• Free to use & share
• No financial information required
• Takes less than 5 minutes
• Bespoke report emailed immediately
• Compare results with friends/family
https://wealthpersonality.co.uk/adviser/dirk-strontschak [wealthpersonality.co.uk]

Wealth Personality - Your wealth personality, analytics and report.