R J Financial Planning Ltd - Senior Partner Practice of St. James's Place

16/06/2026

Women and wealth: Navigating the financial future

👀 At a glance

👩🏻‍💼 Women hold more wealth than at any time in history and this will increase over the coming decades.

🚺🚹 Structural and financial barriers prevent many women from reaching financial parity with men, and although this is changing, it takes time.

💷 We know the right messages can boost how women respond and engage when it comes to finances and investing.1

📈 Female wealth is growing at pace, fuelled by inheritance, more women in higher earning careers, and a rise in female entrepreneurship.

SJP Approved 08/06/2026

Future

Female wealth is growing at pace, fuelled by inheritance, more women in higher earning careers, and a rise in female entrepreneurship. Yet it is not a consistent picture across the board; research tells us that many women are facing gaps in their finances.

15/06/2026

Approaching retirement: what is the right time to de-risk?

At a glance
- De-risking strategies may involve broader diversification of your investments and regular reviews of your portfolio to help manage risk.
-
Selling investments during a market dip can harm long-term growth. Having a cash buffer set aside can help you avoid this.

- The right time to de-risk depends on your goals and need for income as well as your attitude to risk – it is about finding the right balance.

SJP Approved 02/06/2026

Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.

04/06/2026

🚴🏻‍♂️ Dimond 4 wythnos i fynd cyn i Richard ymgymryd gyda’i her seiclo blynyddol
🚴🏻‍♂️ Only 4 weeks to go before Richard undertakes this years cycling challenge!

04/06/2026

🚴🏻‍♂️ TAITH FEICIO ELUSENNOL LLUNDAIN I GHENT

👀 Dim ond 4 wythnos sydd i fynd cyn i Richard ymgymryd ar ei her feicio gyda Sefydliad Elusennol St. James’s Place!

🚴🏻‍♂️ Bydd Richard, ynghyd â chydweithwyr eraill, yn cychwyn ar eu taith feicio o Barc Greenwich, Llundain, ddydd Gwener 3ydd o Orffennaf, gan herio eu hunain gyda phob cilometr! Ar hyd y ffordd, byddant yn ymweld â nifer o dirnodau enwog y byd beicio, gan gynnwys Grand Place Ypres, Porth Menin, a’r dringfeydd coblog chwedlonol Taaienberg, Kemmelberg a Koppenberg, cyn gorffen yn nhref hardd Ghent yng Ngwlad Belg. Bydd yr her yn gweld Richard yn cwblhau cyfanswm o 380km a 2,250m o ddringo fertigol dros gyfnod o 3 diwrnod!

💷 Mae Richard yn anelu at godi £1,500 ar gyfer Sefydliad SJP, lle defnyddir yr a***n i gefnogi elusennau sy’n gweithio gyda phlant sydd dan anfantais gorfforol, gymdeithasol neu economaidd, yn ogystal â hosbisau, elusennau iechyd meddwl ac elusennau sy’n cefnogi pobl sy’n byw gyda chanser ledled y DU, gan gynnwys Gorllewin Cymru. Am bob punt y bydd Richard yn ei chodi, bydd RJ Financial Planning yn cyfateb y swm hyd at gyfanswm o £1,500, a fydd yn cael ei rannu rhwng dau elusen leol, sef GOFAL CANSER ABERTEIFI a Sefydliad PAUL SARTORI.

🤞Rydym yn falch iawn o nodi bod Richard wedi cael dechrau gwych i’w ymgyrch codi a***n, ac gyda’ch cefnogaeth chi mae’n gobeithio cyrraedd ei darged er budd tair elusen arbennig iawn.

🙏🏻DIOLCH YN FAWR IAWN i bawb sydd eisoes wedi rhoi cyfraniad drwy ei dudalen JustGiving ac am anfon negeseuon o gefnogaeth ac anogaeth ar gyfer yr her sydd o’i flaen. Os hoffech gefnogi Richard gyda’i ymdrechion codi a***n eleni, cliciwch ar y ddolen JustGiving isod⤵️

Bydd eich rhodd yn gwneud gwahaniaeth mawr wrth gefnogi’r sefydliad a’r ddwy elusen leol yma yng Ngorllewin Cymru.

https://www.justgiving.com/page/rich-jones-5?fbclid=IwZnRzaASOYbBleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEe-Tgzm9gyCkwnzIqVVIOoNtWf1fPlknI3av6sPn4-NVI7DSATJWZ5KO-eKSk_aem_1yXz9UG8dmB3qONCyinDdg

Help Rich Jones raise money to support St. James's Place Charitable Foundation

01/06/2026

⛑️ Financial Health Report: Financial resilience falls but a plan can boost confidence.

⏱️ 4 Minutes
👀 At a glance

Those who actively engage with their finances experience better outcomes when it comes to their money. The research shows that taking a long-term approach, through planning and investing, tends to lead to higher levels of wealth and financial resilience.

SJP Approved 06/05/2026

Households are feeling less resilient and finances have worsened over the past 12 months, against a backdrop of continued cost of living pressures and global turmoil. These are the findings of St. James's Place’s fifth Financial Health Report, published today, 14 May.

27/05/2026

👀 WeekWatch
In 6 minutes

📈 Stock Take
Last week was a busy time for markets.

💷 Wealth Check
The Pensions Commission has warned that 15 million people across the UK are not saving enough for retirement.

🚀 In The Picture
SpaceX’s pending IPO(Initial Public Offering) is expected to be the largest in history.

SJP Approved 26/05/2026

In the US, markets delivered further gains. The S&P 500 rose for the eighth consecutive week. By style, small-cap and value outperformed growth and large-cap.

23/05/2026

Good luck and a huge thank you to Richard Jones as he takes on an incredible cycling challenge this July 🚴‍♂️💙

Richard will be riding 380km over three days, starting from Greenwich Park in London on the 2nd of July to Ghent in Belgium as part of the SJP Via Roma G2G Charity Tour. With long days in the saddle, tough climbs and iconic routes along the way, this is no small feat.

Even more amazing, for every pound Richard raises, RJ Financial Planning will match it up to £1,500, with funds being split between two fantastic local charities, The Paul Sartori Foundation and Cardigan Cancer Care.

We are so grateful for Richard’s commitment, determination, and support for such important causes.

If you can, please show your support and help him along the way:
https://www.justgiving.com/page/rich-jones-5

Wishing you the very best of luck, Richard, diolch o galon i ti am bopeth 💙

20/05/2026

When key person cover becomes personal for business owners

At a glance

A personal experience brought the value of key person and critical illness cover into sharp focus.

SJP Approved 13/05/2026

What happens to a business when a key person can’t work? In this article, Richard Murray of business consultancy Elephant’s Child shares a personal experience that highlights why key person and critical illness cover matters for business owners — not just financially, but operationally and emo...

18/05/2026

👀 Week Watch
in 6 minutes

📈 Stock Take
UK government bond yields continued rising last week.

💷 Wealth Check
FCA to review investment firms’ support of bereaved customers

🖼️ In The Picture
St. James's Place has published its fifth Financial Health Report, carried out by Opinium.

SJP Approved 18/05/2026

UK government bond yields continued rising last week, as UK government leadership challenges and international questions increasingly weighed on investor minds.

13/05/2026