Seven Miles Financial Planning

Seven Miles Financial Planning Seven Miles Financial Planning offers holistic financial planning and advice to steer you through the 7 key milestones of life

It's always an honour to read this kind of feedback from a satisfied client. The most rewarding part of my job is knowin...
30/07/2026

It's always an honour to read this kind of feedback from a satisfied client. The most rewarding part of my job is knowing I have helped someone feel more comfortable and confident when it comes to their financial future.

Peace of mind is something money can't buy.

Financial planning isn't about getting everything perfect.It's about making good decisions consistently.Saving regularly...
28/07/2026

Financial planning isn't about getting everything perfect.
It's about making good decisions consistently.

Saving regularly. Reviewing your plan. Protecting what matters. Investing for the long term.

Small improvements, repeated over many years, often produce remarkable results.

Financial planning is self-care for your future self.Most of us service the car every year, we arrange dental check-ups,...
24/07/2026

Financial planning is self-care for your future self.

Most of us service the car every year, we arrange dental check-ups, we maintain our homes.

Our finances deserve the same attention.

A regular review gives you the opportunity to check whether your pensions, investments, protection and estate planning still reflect your circumstances.

Life changes. Your financial plan should change with it.

People often assume financial planning is spending less or focussing on returns.Sometimes the biggest benefit is somethi...
21/07/2026

People often assume financial planning is spending less or focussing on returns.

Sometimes the biggest benefit is something much less measurable.
💫 Peace of mind.
🔑 Knowing your family is protected.
💰 Knowing you're saving enough.
☀️ Knowing your retirement plans are realistic.
💭 Knowing you've thought about the future rather than leaving it to chance.

Confidence doesn't come from having all the answers.

It comes from having a plan.

It's easy to become focused on building wealth.But every financial decision should start with a simple question...What i...
16/07/2026

It's easy to become focused on building wealth.
But every financial decision should start with a simple question...

What is this money actually for?

Security.
Freedom.
Education.
Travel.
Family.
Business.
Retirement.

When your objectives are clear, making financial decisions often becomes much easier.

Money is simply the tool that helps you get there.

08/07/2026

Confidence with money isn't something we're born with.
Research found that only 27% of women currently invest, despite investing remaining one of the most effective ways to build wealth over the long term.*

Building confidence often starts with understanding how investing works, setting realistic objectives and having a plan that reflects your own goals and attitude to risk.

Financial planning is about making informed decisions, not trying to predict the future.

*Source: Financial Health Report 2026: Women and Wealth, St. James's Place.

It's important to not that the value of any investment can go up as well as down.

Many people believe there's a "seven-year rule" for care home fees. In reality, that's an Inheritance Tax rule, not a ca...
03/07/2026

Many people believe there's a "seven-year rule" for care home fees. In reality, that's an Inheritance Tax rule, not a care funding rule.

If your local authority believes you deliberately gave away money, property or other assets to reduce your care costs, it may treat those assets as if you still own them. This is known as deprivation of assets. The council can look back as far as necessary, considering your health, your circumstances and, importantly, your intentions at the time the gift was made.

Good estate planning is about making informed decisions for the right reasons, not relying on common myths.

Read the article to understand how the rules work and why planning ahead is so important:
https://partnership.sjp.co.uk/article/detail/sjpp/can-i-gift-assets-to-avoid-paying-care-home-fees.html

WEEK WATCH: ISAsThe government has confirmed a 22% charge will be applied to the interest on cash held in investment ISA...
02/07/2026

WEEK WATCH: ISAs
The government has confirmed a 22% charge will be applied to the interest on cash held in investment ISAs from April 2027.

It follows widespread rumours that such a charge would be levied, as the government looks to stop people holding large sums in cash in equity ISAs once cash ISA limits are cut.

Meanwhile, the government has announced plans for a new, simpler first-time buyer (FTB) ISA to replace the lifetime ISA (LISA).

The new savings product, which will be available to anyone over 18, is expected to launch early next year. It will be possible to save in cash or in stocks and shares with a bonus paid at the point the saver accesses the money to buy a first home.

Unlike the LISA, there is no maximum age limit for the new FTB ISA, and there is no retirement savings feature. There also won’t be a penalty fee for withdrawing money.

Read more here:
https://partnership.sjp.co.uk/article/detail/sjpp/weekwatch-29-06-2026.html

The tax treatment of ISAs may be subject to changes in legislation in the future.
Please note that cash ISAs and lifetime ISAs are not available through St. James's Place.

Income protection is more than just a safety net, particularly if you’re self-employed. It protects your family and your...
25/06/2026

Income protection is more than just a safety net, particularly if you’re self-employed. It protects your family and your way of life.

When you’re self-employed, responsibility for your health and welfare, as well as your pension, passes to you, instead of being taken care of by your employer.

An income protection plan replaces a percentage of your income if you can’t earn, meaning you can continue to pay the bills, make mortgage repayments, and simply stay afloat. These policies should not just be viewed as protecting your standard of living but as insuring an income-producing asset: you. Protecting yourself, your standard of living and your health can be far more valuable than protecting your material possessions.

The impact of losing an income can send shock waves through a family.

If you’re the main household earner, it can have a huge impact. Especially if you don’t have any of the cover or benefits that might come as standard if you work for an employer.

Often, the question isn’t whether or not to get protection, but whether you can afford to live without it.

Income protection also means you’re protecting your longer-term savings and investments too. If you’re suddenly unable to earn, you wouldn’t need to raid your savings to pay the bills.

Read more here:
https://partnership.sjp.co.uk/article/detail/sjpp/what-is-protection-and-why-do-i-need-it.html

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It...
23/06/2026

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It comes after just under two years in office and means the UK will soon have its fifth prime minister in as many years. However, the next steps remain unclear. Even in the event of a smooth ‘coronation’ to a successor, the process could take several weeks.

Immediately after the announcement, the UK market took Starmer’s resignation largely in its stride, although the pound weakened in anticipation of his resignation. The FTSE was very marginally down while gilts held steady in the hours after the news was released on Monday morning. However, a big question, not least for markets, will be who becomes the next chancellor if, as expected, Rachel Reeves is moved from her current position.

Hetal Mehta, St. James's Place’s Chief Economist, says: “Given the current situation, policy uncertainty – especially regarding the fiscal stance – could remain elevated for months, i.e, until the next Budget."

“Without cuts to day-to-day spending and welfare, any attempts to boost investment or reduce the real terms spending cuts some government departments are facing, would require tax increases.”

Read more here:
https://partnership.sjp.co.uk/article/detail/sjpp/weekwatch-22-06-2026.html

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