Shipton Wealth Ltd

15/10/2026

It's a common assumption: that retirement planning only becomes relevant in your late fifties or sixties.

In reality, the earlier these conversations start, the more options tend to be available, simply because there's more time for decisions to take effect.

People often come to us in their thirties and forties with questions like:

• Am I contributing enough, given what I'd like retirement to look like?
• What happens to my pension if I change jobs or take a career break?
• How do different pension pots I've built up over the years fit together?

There's no "right" age to start asking these questions.

Did you assume retirement planning was something for later in life?

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 xx/xx/###x

13/10/2026

For anyone who has never had one, "financial review" can sound vague, or intimidating.

In practice, a review is simply a chance to check that your plans still reflect your life.

That usually means talking through:

• What's changed since we last spoke
• Whether your existing plans still fit those changes
• Any new questions or priorities on your mind

It isn't a test, and there's no expectation to have all the answers ready in advance.

If you've never had a financial review, or it's been a while, what would you want to get out of one?

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 xx/xx/###x

12/10/2026

Mortgage rates and housing demand, proposed inheritance tax changes for family homes, and why energy prices remain high all feature in this week’s WeekWatch.

Read the latest update here:
https://www.shiptonwealth.co.uk/article/detail/sjpp/weekwatch-12-10-2026

12/10/2026

https://www.shiptonwealth.co.uk/article/detail/sjpp/the-missing-years-caring-career-pauses-and-long-term-planning

Research reveals women are far more likely than men to take career breaks, and for longer. But while career breaks are often a positive experience, they can have long-reaching effects.

St. James’s Place Group Advice Director, Alexandra Loydon, discusses the issue of career breaks and how planning ahead financially can help women better prepare: https://ow.ly/XGIM50ZVj2Y

St. James's Place Representatives represent only St. James's Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority,

SJP Approved 05/10/2026

09/10/2026

Friday mornings are networking mornings for Rory!

Each week, he represents Shipton Wealth at a local business meeting, where everyone gets 45 seconds to introduce their business.

It’s not just business chat - there’s always a bit of fun and plenty of laughter along the way too.

Over the coming weeks, we’ll be sharing some of the topics Rory covers in his Friday introductions, alongside the occasional update from the meetings.

08/10/2026

Later life planning is one of those subjects that tends to only get discussed once a decision is already needed, often at a difficult time for a family.

Costs vary significantly depending on the type and level of care required, and how these might be funded is rarely straightforward. It can involve savings, property, pensions, or a combination of all three, and the right approach depends entirely on individual circumstances.

Having an early, unhurried conversation about this, well before it becomes urgent, tends to leave families with more options rather than fewer.

Has your family ever discussed how care costs might be met, should the need arise?

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 01/10/2026

06/10/2026

It's not a comfortable question, but it's one worth sitting with for a moment: if something happened to you tomorrow, would your family know what to do financially?

Many people have some form of protection in place, but haven't looked at it in years. Life circumstances change; a new mortgage, a growing family, a change in income, and cover that once felt right can quietly fall out of step with reality.

A short review usually covers:

• Whether existing cover still matches your circumstances
• Who is named to benefit, and whether that's still correct
• Any gaps that may have opened up over time

None of this needs to be complicated to put right.

When did you last check that your protection still reflects your life today?

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 01/10/2026

05/10/2026

WeekWatch - 05/10/2026

📈 This week’s WeekWatch looks at how rising government borrowing costs, inflation pressures and the ongoing AI investment race are shaping markets, alongside proposed changes to the State Pension triple lock and a new scheme to help first-time buyers onto the property ladder.

You can read the full article here:
https://www.shiptonwealth.co.uk/article/detail/sjpp/weekwatch-05-10-2026

If you’d like to discuss any of these topics, or any other aspect of your finances, please get in touch with the team at Shipton Wealth – we’re always happy to help.
https://www.shiptonwealth.co.uk/contact

29/09/2026

Reaching out to a financial adviser for the first time can feel like a bigger step than it needs to be.

There's no expectation to have everything figured out beforehand, no jargon-heavy checklist, and no pressure to commit to anything on a first conversation.

A first meeting is simply a chance to:
- Talk through your current situation
- Explain what matters most to you
- Understand whether working together makes sense

From there, it's entirely your decision how, or whether, you'd like to move forward.

If you've been putting off that first conversation, we'd be glad to make it a straightforward one.

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 03/09/2026

25/09/2026

Planning early, ideally well before a sale is close, tends to give business owners more options, not fewer.

If you're starting to think about an exit, even informally, it's worth having that conversation sooner rather than later.

https://www.shiptonwealth.co.uk/contact

Shipton Wealth 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 03/09/2026