Liberty Wealth Management

Liberty Wealth Management Growing your wealth for today and future generations. The Liberty approach is about so much more than financial planning. The value of an investment with St.

With careful financial planning Liberty can help provide a comfortable retirement whilst organising for your hard-earned wealth to successfully pass down to your children and grandchildren. We work hard to provide expert and experienced advice for your whole family – after all, we are a family business. We’re based in Essex, but have clients from all over the country, a large number of whom have b

een with us for many years. This means we can really get to know them and build trusting relationships that have become our hallmark. Like a family member, we’re always there when you need us, as your circumstances change. Investment Planning takes a long-term approach and so is our relationship with you. James's Place may rise as well as fall. You may get back less than you invested.

Iran conflict: what rising oil prices mean for UK householdsThe conflict in Iran continues to drive political and econom...
28/05/2026

Iran conflict: what rising oil prices mean for UK households

The conflict in Iran continues to drive political and economic uncertainty across the world. Less than a month in, UK consumers are already experiencing higher product costs across certain markets. How will your finances fare in the next year amid the heightened volatility?

The Office for Budget Responsibility (OBR) has warned inflation could hit 3% by the end of the year, pushing up daily living costs for consumers.

The prediction by the government’s economics watchdog is a result of the ongoing – and intensifying – Iran conflict. It has seen inflation move away from its downward trajectory both here in the UK and further afield.

Read the full article concerning the Iran conflict and the inflation caused by oil prices at https://www.libertywm.co.uk/iran-conflict-what-rising-oil-prices-mean-for-uk-households/



Liberty Wealth Management Limited 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 23/03/2025

Covering one-off costs – Preparing for the unexpected: protecting your income inIf you are worried about the financial b...
26/05/2026

Covering one-off costs – Preparing for the unexpected: protecting your income in

If you are worried about the financial burden of medical treatment or potential lifestyle adjustments due to illness or injury, then a critical illness insurance policy may be more suitable.

Unlike income protection cover, critical illness insurance pays a single, tax-free lump sum if you are diagnosed with a condition listed in the policy. Many people use it to pay off their mortgage, clear any debts or pay for any lifestyle changes after a serious diagnosis.

Critical illness cover is often combined with term life insurance. Critical illness pays out if you are diagnosed with a condition listed in your policy, while life insurance pays out if you die during the policy term – which could help your loved ones meet their financial obligations.

For further information, check out the article at: www.libertywm.co.uk/preparing-for-the-unexpected-protecting-your-income-in-illness/

Liberty Wealth Management Limited 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 23/02/2026

The busiest shipping lanes in the worldThe conflict in Iran has brought shipping traffic to a halt in the Strait of Horm...
22/05/2026

The busiest shipping lanes in the world

The conflict in Iran has brought shipping traffic to a halt in the Strait of Hormuz, a key corridor for global trade. This disruption has highlighted the world’s reliance on this strategic sea route and the vulnerabilities it creates for the global economy. Here we explore some of the busiest and most important shipping lanes in the world.

Read the full article at https://www.libertywm.co.uk/the-busiest-shipping-lanes-in-the-world/



Liberty Wealth Management Limited 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 01/04/2026

Navigating your options – Preparing for the unexpected: protecting your income inIf your employer offers income protecti...
12/05/2026

Navigating your options – Preparing for the unexpected: protecting your income in

If your employer offers income protection insurance as an employee benefit, it is worth checking the level of cover offered, and that the deferred period suits your circumstances.

If the level of workplace cover is insufficient, you could complement it with a private policy. For instance, if your employer offers six months of income protection, you may want to choose a private income protection plan with a six-month deferred period so that the payments start when the employer benefit stops.

If you hold multiple policies, insurers usually limit the amount you can receive to a total maximum percentage of your income – typically up to 70% of your gross income, for example. It means that if your workplace policy covers most of this amount, the other policy may pay only a partial amount or nothing at all.

For further information, check out the article at://www.libertywm.co.uk/preparing-for-the-unexpected-protecting-your-income-in-illness/

Liberty Wealth Management Limited 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 23/02/2026

Definitions & exclusions – Preparing for the unexpected: protecting your income inUnfortunately, some illnesses last far...
05/05/2026

Definitions & exclusions – Preparing for the unexpected: protecting your income in

Unfortunately, some illnesses last far longer than a few months – and this is where financial protection can add significant value.

Income protection insurance provides a regular monthly income if you are unable to work and have made a successful claim, helping you maintain financial commitments such as paying your mortgage.

The insurance market offers a broad range of policies to suit your needs, with policies usually offering cover between 50% and 70% of your gross salary.

Cover will usually include a wide range of illnesses and conditions including many types of cancer, heart attacks, strokes, and some mental health conditions, as well as physical injuries, depending on the insurer.

Most income protection policies include a deferred period – how long you wait from making a successful claim until you get the first payment – which can range from one month to one year. Shorter deferred periods usually result in higher premiums.

For further information, check out the article at://www.libertywm.co.uk/preparing-for-the-unexpected-protecting-your-income-in-illness/

Liberty Wealth Management Limited 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 23/02/2026

A long-term safety net – Preparing for the unexpected: Protecting your income in illnessUnfortunately, some illnesses la...
21/04/2026

A long-term safety net – Preparing for the unexpected: Protecting your income in illness

Unfortunately, some illnesses last far longer than a few months – and this is where financial protection can add significant value.

Income protection insurance provides a regular monthly income if you are unable to work and have made a successful claim, helping you maintain financial commitments such as paying your mortgage.

The insurance market offers a broad range of policies to suit your needs, with policies usually offering cover between 50% and 70% of your gross salary.

Cover will usually include a wide range of illnesses and conditions including many types of cancer, heart attacks, strokes, and some mental health conditions, as well as physical injuries, depending on the insurer.

Most income protection policies include a deferred period – how long you wait from making a successful claim until you get the first payment – which can range from one month to one year. Shorter deferred periods usually result in higher premiums.

For further information, check out the article at://www.libertywm.co.uk/preparing-for-the-unexpected-protecting-your-income-in-illness/

Liberty Wealth Management Limited 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 23/02/2026

Protecting your income in illness : Thinking about risks – Preparing for the unexpectedNo one wants to think about the p...
16/04/2026

Protecting your income in illness : Thinking about risks – Preparing for the unexpected

No one wants to think about the possibility of falling ill - which is perhaps why many people put off buying protection cover. But asking yourself how you and your family would manage financially if you were unable to work due to illness can focus the mind and encourage proactive planning.

Having a serious illness which affects your ability to work could be particularly difficult for the 4.37 million self-employed workers in the UK who are ineligible for statutory sick pay (SSP).1

Those who qualify for SSP can receive £118.75 per week for up to 28 weeks, but this could be insufficient for anyone covering a mortgage, supporting their family or caring for dependants.

If you are an employee, it is worth looking into whether your employer offers any long-term sickness benefits and for how long they would pay out. Many workplace income protection schemes cover their employees for around six months, for example, but this varies.

For further information, check out the article at: www.libertywm.co.uk/preparing-for-the-unexpected-protecting-your-income-in-illness/

Liberty Wealth Management Limited 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 23/02/2026

Living to age 100: How to make your pension last longerMore of us are reaching our 100th birthdays than ever before. Whi...
02/04/2026

Living to age 100: How to make your pension last longer

More of us are reaching our 100th birthdays than ever before. While a letter from the King may seem exciting, funding a long and comfortable retirement requires careful planning. Many of us dream of having a long and healthy retirement. But, living longer brings its own financial planning challenges. We explore what you need to consider to ensure your pension savings can stretch across 35 years or more.

Read the full article concerning pensions and retirement at https://www.libertywm.co.uk/living-to-age-100-how-to-make-your-pension-last-longer/



Liberty Wealth Management Limited 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 16/09/2025

Making your pension & ISA allowances work for youIn the Autumn Budget 2025, the Chancellor announced changes to the cash...
26/03/2026

Making your pension & ISA allowances work for you

In the Autumn Budget 2025, the Chancellor announced changes to the cash ISA allowance from April 2027 and salary sacrifice pension contributions from April 2029. However, ISAs and pensions remain some of the most tax efficient ways to save in both the long and short term. Pension contributions can lower your tax bills, and both pensions and ISAs will help protect your savings from tax each year. We can help you decide how best to use pensions and ISAs for maximum tax efficiency and flexibility.

Read the full article concerning tax, pensions and ISA allowances at https://www.libertywm.co.uk/making-your-pension-isa-allowances-work-for-you/



Liberty Wealth Management Limited 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 16/12/2025

Essential guide for business owners: Start with the end in mind – put a shareholder agreement in place todayWhen you are...
19/03/2026

Essential guide for business owners: Start with the end in mind – put a shareholder agreement in place today

When you are starting out in business there are many responsibilities that demand your attention. One that may not seem important in the early days, especially if you get along well with your business partner, is a shareholder agreement. But that’s the ideal time to put one in place.

Read the full article concerning businesses and shareholder agreements at https://www.libertywm.co.uk/essential-guide-for-business-owners-start-with-the-end-in-mind-put-a-shareholder-agreement-in-place-today/

Liberty Wealth Management Limited 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 27/11/2025

Address

68 Woodbrooke Way
Corringham
SS179DW

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441375656020

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