HJP Chartered Financial Planners

09/06/2026

The amount of money needed for people to achieve a good standard of living in retirement has risen significantly in the last year.

Millions of workers are not saving enough for retirement. Pensions UK warns that without action from government, employers and savers, too many people risk a cliff-edge drop in income when they stop work.

Read more: https://www.hjpcfp.com/article/detail/sjpp/pensions-uk-report-figures-paint-dire-picture-of-nations-saving.html

SJP approved 03/06/2026

Source: Pensions UK partnered with Loughborough University’s Centre for Research in Social Policy to develop the Retirement Living Standards (RLS). The ‘minimum’ standard is based on the ‘minimum income standard’ funded by the Joseph Rowntree Foundation. The ‘moderate’ and ‘comfortable’ standards were developed through research with groups of people across the UK.

08/06/2026

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

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.

Read more: https://www.hjpcfp.com/article/detail/sjpp/approaching-retirement-what-is-the-right-time-to-de-risk.html

SJP approved 02/06/2026

02/06/2026

Congratulations to Helen Shepherd for winning this month’s Charity Bake Off at HJP! 🏆🍰

June’s theme was cheesecake, and Helen’s delicious Mint Aero-inspired creation was voted the winner by our judges.

Each month, our team comes together to enjoy some fantastic homemade bakes while raising money for our local charity, The Amber Foundation. A huge thank you to everyone who took part and donated to such a worthwhile cause.

We’re already looking forward to next month’s challenge!

25/05/2026

Why bonds are back in the spotlight – and why it matters

https://www.hjpcfp.com/article/detail/sjpp/why-bonds-are-back-in-the-spotlight-and-why-it-matters.html

21/05/2026

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 emotionally too.

https://www.hjpcfp.com/article/detail/sjpp/when-key-person-cover-becomes-personal-for-business-owners.html

SJP approved 13/05/2026

19/05/2026

What’s the best way to save for your children and grandchildren’s futures?

There are a range of ways to build long-term financial support for younger generations, and the right approach will depend on your goals, timescales and circumstances.

This article outlines some of the key considerations to help you understand your options.

https://www.hjpcfp.com/article/detail/sjpp/saving-and-investing-for-children-and-grandchildren.html

SJP Approved 12/05/2026

14/05/2026

For many women in the “sandwich generation,” it’s daughters who step in when a health crisis hits. The difference between chaos and calm? Conversations had early.

These aren’t easy discussions. But having them now can mean fewer rushed decisions, less stress, and more confidence that you’re honouring their wishes later.

Quiet planning today creates strength for tomorrow.

https://www.hjpcfp.com/article/detail/2026/may/aged-parents.html

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 07/05/2026

12/05/2026

At HJP, supporting worthwhile causes and giving back to the community is something we care deeply about, and our team regularly takes part in charity events and fundraising initiatives throughout the year.

This July, our Managing Director Gregor Watt will be joining his twins in the Race for Life 10K event in Guildford after his wife, Marina, sadly lost her sister to cancer two weeks ago. Inspired to do something positive in her memory, they will be taking part to help raise money for Cancer Research UK and support the fight against this devastating disease.

We are sharing their fundraising page for anyone who would like to contribute towards helping Cancer Research UK continue its vital work in preventing other families from suffering from this terrible illness.
https://fundraise.cancerresearchuk.org/team/team-audrie

Thank you to everyone for your support and generosity.

We have set up this page to raise funds in memory of the lovely Audrie, taken far too young. This idea (I'm really not sure about 10K) was suggested by my twin boys, Audrie's nephews. They haven't done 10K before either, so we can all train together.

11/05/2026

We are delighted to congratulate Ben Moram on achieving Chartered Financial Planner status, becoming the latest member of HJP’s Chartered team.

This accomplishment follows Ben successfully passing the Advanced Investment exam last week as a result of his excellent dedication, persistence, and hard work.

Achieving Chartered status represents the highest standard of professional qualification within financial planning and reflects Ben’s commitment to delivering exceptional advice and service to our clients.

Congratulations, Ben, on this outstanding and thoroughly deserved achievement.

07/05/2026

Congratulations to Max Cook, one of our Financial Advisers at HJP, on achieving the highest result in the Diploma in Regulated Financial Planning at the Chartered Insurance Institute of Sussex.

At HJP, we are committed to supporting the ongoing professional development of our team. It is rewarding to see Max’s dedication and hard work recognised through this outstanding achievement.