Alison Hughes - Adviser at Sharper Financial Planning Ltd

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Alison Hughes - Adviser at Sharper Financial Planning Ltd I'm an Associate Partner at Sharper Financial Planning Ltd

What is an ISA?An ISA, (Individual Savings Account) is one of the most popular and tax-efficient ways for UK residents t...
19/10/2026

What is an ISA?

An ISA, (Individual Savings Account) is one of the most popular and tax-efficient ways for UK residents to invest and save for the future.


Investments in an ISA are free of income tax and capital gains tax for the duration of the investment.

Sharper Financial Planning 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).

SJP Approved: 30/1/2026

For years, pensions have offered a valuable tax advantage alongside retirement income, enabling people to pass on wealth...
15/10/2026

For years, pensions have offered a valuable tax advantage alongside retirement income, enabling people to pass on wealth to the next generation. But from April 2027, changes to inheritance tax rules could mean some families face a significantly larger tax bill than they expected.

The pension rule changes coming in April 2027 are leading many families to revisit their long-term wealth plans. It may...
14/10/2026

The pension rule changes coming in April 2027 are leading many families to revisit their long-term wealth plans.



It may be time to think about intergenerational wealth planning, gifting strategies, trusts and wider estate structures and family governance.

Good estate planning is about more than minimising tax. It’s about helping wealth pass to the next generation in the way you intend.



If you’d like to explore your options, get in touch.



Trusts are not regulated by the Financial Conduct Authority.


Sharper Financial Planning 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) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.



James’s Place

SJP Approved: 27/08/2026

I had a client who had to cut back her hours to care for her elderly parents, struggling to make ends meet. When we revi...
30/04/2026

I had a client who had to cut back her hours to care for her elderly parents, struggling to make ends meet. When we reviewed her pensions, we realised she could start enjoying some income now, boosting her small salary. It’s amazing how a small adjustment can bring back those little pleasures, like treating herself to a coffee!

Regular reviews can save you from future stress. Just like keeping an eye on your boiler before winter, spotting early c...
29/04/2026

Regular reviews can save you from future stress. Just like keeping an eye on your boiler before winter, spotting early changes in your finances is key.

An outdated Expression of Wish form on your pension can mean on death, your hard earned money could go to the wrong folks. Stay ahead of the game and make sure your wishes are clear!

Markets have continued their upward momentum, but the backdrop remains anything but straightforward.Recent gains have be...
28/04/2026

Markets have continued their upward momentum, but the backdrop remains anything but straightforward.

Recent gains have been supported by easing energy prices and optimism around geopolitical developments. At the same time, inflation, interest rate expectations and global growth forecasts are still shifting.

It’s a reminder that markets can respond quickly to changing headlines — often before the full economic impact is clear.

While short-term sentiment has improved, uncertainty hasn’t disappeared. Different regions and sectors are being affected in different ways, from energy and tech to global supply chains.

As always, periods like this highlight the importance of keeping a long-term perspective, rather than reacting to each new development.

Read more:

The value of investments may fall as well as rise, and you may get back less than you invested.

Small increases to your pension contributions can have a monumental impact over time, thanks to the magic of compounding...
27/04/2026

Small increases to your pension contributions can have a monumental impact over time, thanks to the magic of compounding. Recently, I helped a client realise that just a few extra pounds each month could significantly boost their retirement funds. It’s remarkable how small changes can lead to a more secure future!

Pension benefits might seem straightforward, but they can be quite complex. Choosing the right option, understanding tax...
13/02/2026

Pension benefits might seem straightforward, but they can be quite complex. Choosing the right option, understanding tax implications, and ensuring it fits your lifestyle can feel overwhelming. It's like planning a family gathering – it looks easy, but there are many details to manage! What challenges have you faced with pensions?

Directors often find relevant life cover to be a significant benefit. It provides peace of mind for loved ones and a saf...
12/02/2026

Directors often find relevant life cover to be a significant benefit. It provides peace of mind for loved ones and a safety net for the business. Once they see the advantages, they often wish it had been mentioned earlier.

⭐Relevant life cover is a tax-efficient way to ensure financial security for families and businesses.⭐

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