HJP Chartered Financial Planners

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HJP Chartered Financial Planners For the life you plan, and the life that happens we can offer our expert financial advice. Helping you achieve your financial freedom.

Chartered Financial Planners based in Dorking, Surrey.

From April 2027, most unused pensions and death benefits will fall into estates for IHT purposes. In some cases, inherit...
14/10/2026

From April 2027, most unused pensions and death benefits will fall into estates for IHT purposes. In some cases, inherited pensions may be subject to both inheritance tax (IHT) and income tax.

However, if your pension is passed to your spouse, no IHT needs to be paid on the unused funds.

Read more: https://www.hjpcfp.com/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

SJP Approved 29/09/2026

What could the Autumn Budget mean for your finances?A panel of specialists from St. James's Place, featuring Hetal Mehta...
13/10/2026

What could the Autumn Budget mean for your finances?

A panel of specialists from St. James's Place, featuring Hetal Mehta, Chief Economist, Claire Trott, Head of Advice, and Niall McGregor, Divisional Director: Advice Policy, hosted by Andy Payne, Director of Advice Support, will provide a clear and practical overview of the key announcements, exploring what they could mean for individuals, families and long-term financial planning.

📅 Monday 2 November
⏰ 10:30am - 11:30am

Join us for expert insight and guidance following the Budget.

Register here: https://events.zoom.us/ev/AvUSAkA7CfPizt2Txyds-3xG2ucjXR0jagL8VrVI_mggY9Cyqlof~Ahu1X8VimZFG_JuFYTlEp7uzvErzsdR41qkTuE5fp7jZvplXkMfCLrwgvQ

HJP Chartered Financial Planners 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 09/10/2026

Figures show women are substantially more likely than men to take a career break during their working life.1 Whether it’...
08/10/2026

Figures show women are substantially more likely than men to take a career break during their working life.1 Whether it’s maternity leave, caring for young children, or looking after elderly family members, the responsibilities that lead to time out of paid work are more likely to impact women.

But while career breaks are often a positive experience, they can have long-reaching effects, both financially and on women’s confidence about returning to work.

Read more: https://www.hjpcfp.com/article/detail/sjpp/the-missing-years-caring-career-pauses-and-long-term-planning

SJP Approved 25/09/2026

More than 600,000 businesses have experienced a cyber security breach in the past year, according to the government’s la...
07/10/2026

More than 600,000 businesses have experienced a cyber security breach in the past year, according to the government’s latest figures.1

Small-to-medium businesses are particularly vulnerable as they are less likely to have sophisticated internal IT experts to monitor and deal with cyber risks on an ongoing basis.

As cyber security awareness month kicks off, read the St. James's Place’s (SJP) cyber security team's top tips on how to keep your business cybersafe.

Read more: https://www.hjpcfp.com/article/detail/sjpp/is-your-business-cybersafe

Source
1Cyber security breaches survey 2025/2026, UK Government, 30 April 2026

SJP Approved 01/10/2026

Financial bubbles have been present in financial markets for hundreds of years. The growth of railways during the Victor...
06/10/2026

Financial bubbles have been present in financial markets for hundreds of years. The growth of railways during the Victorian era, the dot.com sector at the turn of this century, residential property in China’s main cities and cryptocurrencies all exhibited bubble-like behaviour.

The dot.com era is one of the clearest examples of what can happen. Investors rushed into technology stocks. This drove the Nasdaq index up more than sixfold before it suffered a dramatic collapse in March 2000. It took the index another 15 years to recover to its historic peak.

If bubbles follow a familiar pattern, why do they keep happening and why are so many investors caught up in them?

Read more: https://www.hjpcfp.com/article/detail/sjpp/financial-bubbles-great-stories-but-bad-investments

SJP Approved 25/09/2026

What would happen to your business if you couldn’t work?For many business owners, their income and the success of their ...
29/09/2026

What would happen to your business if you couldn’t work?

For many business owners, their income and the success of their business are closely connected to their ability to work.

58% of business owners say they would be concerned about a loss of income due to illness or injury.

Yet 58% of SMEs are either unprotected or unsure whether they have cover in place.

It’s easy to focus on the day-to-day running of your business and overlook what could happen if illness or injury meant you couldn’t work.

Have you considered how your business and income would be affected?

HJP Chartered Financial Planners 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) The St. James's Place Partnership' and the titles `Partner` and `Partner Practice` are marketing terms used to describe St. James's Place representatives.

HJP Chartered Financial Planners is a trading name of HJP Wealth Management Ltd.

SJP approved 16/09/2026

Becoming a carer for someone is a significant step in life. Helping loved ones through later life, ill health, disabilit...
24/09/2026

Becoming a carer for someone is a significant step in life. Helping loved ones through later life, ill health, disability or incapacity, is often highly rewarding. It can bring you closer together and ensure you can look back with no regrets.

But caring can leave you feeling financially vulnerable – whether because of extra costs supporting people, or a reduction in income because you are working less or not at all. This situation can cause anxiety and stress for carers.

Read more: https://www.hjpcfp.com/article/detail/sjpp/counting-the-cost-why-caring-shouldnt-mean-losing-yourself%20.html

How resilient is your business if a key person is unable to work?For many business owners, the day-to-day running of the...
22/09/2026

How resilient is your business if a key person is unable to work?

For many business owners, the day-to-day running of the business depends on a small number of key people.

Research shows that 94% of SMEs rely on more than one key person. Yet 23% say they could only continue trading for up to one month if they lost a key person.

Business protection can form part of a wider plan to help manage these risks and support business continuity.

Is business protection part of your business planning?

HJP Chartered Financial Planners 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) The St. James's Place Partnership' and the titles `Partner` and `Partner Practice` are marketing terms used to describe St. James's Place representatives.

HJP Chartered Financial Planners is a trading name of HJP Wealth Management Ltd.

SJP approved 16/09/2026

When thinking about estate planning, most people typically explore ways to pay for their IHT bill. But an often overlook...
21/09/2026

When thinking about estate planning, most people typically explore ways to pay for their IHT bill. But an often overlooked detail is the liquidity available to pay the bill on time. With probate often taking longer than the six-month deadline to pay IHT, executors may find themselves with a bill to pay but no immediate money to settle it.

But there are ways to help your loved ones after you’ve gone, ensuring they can pay an IHT bill on time.

Read more: https://www.hjpcfp.com/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape.html

SJP Approved 14/09/2026

Address

176 South Street
Dorking
RH42ES

Opening Hours

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

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