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£30,000 a year in retirement sounds simple… until you work backwards.If someone tells you they want £30,000 a year in re...
07/10/2026

£30,000 a year in retirement sounds simple… until you work backwards.

If someone tells you they want £30,000 a year in retirement, that’s a good starting point.

But it’s not the whole plan.

When will they retire?

How long will retirement last?

What will they receive from the State Pension?

Do they have other sources of income?

What will inflation do to their spending?

How much do they need to save between now and retirement?

And what happens if their plans change?

Retirement planning isn’t simply about choosing a number.

It’s about working backwards from the life you want and understanding what needs to happen to make that possible.

The earlier you understand the numbers, the more options you may have.

Filsell Wealth 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). Filsell Wealth is the trading name of Filsell Wealth Limited.

Your pension isn’t just about retirement anymore...For many people, a pension is simply thought of as:“Money I’m going t...
06/10/2026

Your pension isn’t just about retirement anymore...

For many people, a pension is simply thought of as:

“Money I’m going to use when I stop working.”

But your pension can also form an important part of your wider financial plan.
And this is becoming even more relevant.

From 6 April 2027, most unused pension funds and pension death benefits will be brought within the value of an individual’s estate for Inheritance Tax purposes.

That means the way you think about your pension may need to go beyond simply asking:

“Will I have enough to retire?”

It may also be worth considering:

How much income will I need?

What other assets do I have?

What happens to my pension if I die?

And how does my pension fit into my wider estate?

Your pension is one part of your financial plan.

It shouldn’t always be looked at in isolation.

Filsell Wealth 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). Filsell Wealth is the trading name of Filsell Wealth Limited.

05/10/2026

Filsell Wealth ltd 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.

SJP Approved 3/6/25

You have an ISA allowance every tax year. But are you actually making the most of it?For the 2026/27 tax year, the overa...
05/10/2026

You have an ISA allowance every tax year. But are you actually making the most of it?

For the 2026/27 tax year, the overall ISA allowance is £20,000.

That’s £20,000 that can potentially be sheltered from UK capital gains and income tax within an ISA.

But an allowance is only useful if you understand how it fits into your wider financial plan.

And there’s another reason to have ISAs on your radar.

From 6 April 2027, the annual Cash ISA limit for those under 65 will reduce to £12,000, while the overall ISA allowance remains at £20,000. This will also effect cash held in the stocks and shares
ISA.
So rather than simply asking:

“Do I have an ISA?”

It may be worth asking:

“Is my ISA still appropriate for what I’m trying to achieve?”

Your goals should come first. The right financial structure follows from there.

Filsell Wealth 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). Filsell Wealth is the trading name of Filsell Wealth Limited.

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

SJP Approved 3/6/25

More money doesn’t always mean more wealth...A bigger salary doesn’t necessarily mean you’re building more wealth...Some...
02/10/2026

More money doesn’t always mean more wealth...

A bigger salary doesn’t necessarily mean you’re building more wealth...

Someone earning £100,000 and spending almost all of it could be in a very different financial position to someone earning £60,000 who is consistently saving, investing and planning for the future.

Building wealth isn’t simply about how much comes in.

It’s about what you do with it.

How much you save.

How you invest.

How you protect what you’ve built.

And how well your financial decisions work together over the long term.

Because earning more is one thing.

Making the most of what you earn is another.

Filsell Wealth 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). Filsell Wealth is the trading name of Filsell Wealth Limited.

Your car gets an MOT. When did your finances last get one..?Life changes. Your finances should change with it...A new jo...
01/10/2026

Your car gets an MOT. When did your finances last get one..?

Life changes. Your finances should change with it...

A new job.
A pay rise.
A mortgage.
Children.
A change in your goals.
Retirement getting closer.

Yet it’s surprisingly easy to leave your financial arrangements untouched while everything else in life moves on.

A financial review isn’t about changing everything for the sake of it.

It’s about asking some simple questions:

Are your savings still working towards the right goals?

Is your pension still aligned with your plans for retirement?

Do you have the right level of protection?

Have your circumstances changed?

And perhaps most importantly - is your money still doing what you need it to do?

Sometimes, the most valuable thing you can do is simply stop and check that everything is still working as it should.

When was your last financial MOT?

Filsell Wealth 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).

Filsell Wealth is the trading name of Filsell Wealth Limited.
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We always say that our relationships are about more than just financial planning. When you get to know your clients, you...
01/10/2026

We always say that our relationships are about more than just financial planning. When you get to know your clients, you get to know the things they’re passionate about too.

On Saturday, our Operations Director, Timothy Bradshaw and friend Roland Jones took to the track at the Classic Sports Car Club event at Knockhill Racing Circuit Ltd.

Alongside some beautiful BMW M cars brought along by the crew at Eastern BMW and Grassicks BMW.

With a few of our clients sharing Tim and Roland’s passion for motorsport, we invited them along to cheer Tim and Roland on - with Roland’s Classic M3 taking centre stage! (It’s an E36 in the original smoking Joe Winkelhock colours for the geeks amongst you).

In true Scottish style the weather was crazy with everything from sunshine to driving rain all in one day! The conditions for the night qualifying were particularly challenging for race crews and spectators alike!

It was a brilliant day, with a chance to spend time with clients outside the office, enjoy some racing and, to top it all off, Tim and Roland came away with the win!

Great people, great racing and a great result.

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