What are the opening hours?

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

Reflect Financial Limited

Home
United Kingdom
Liverpool
Reflect Financial Limited

Reflect Financial provides expert financial planning with a personal touch.

Based in Liverpool and serving the UK, we offer tailored advice on investment planning, retirement, and protection for families and businesses.

03/06/2026

WeekWatch: bringing you the latest market news.

📊The S&P 500 has now risen for nine consecutive weeks; its longest streak since 2023. In fact, the S&P 500 is now trading at more than 10% above levels seen before the war with Iran.

🏛️While this seems to rule out an imminent increase to interest rates in the US, the same is not true elsewhere.

Find out more here: https://www.reflectfp.co.uk/article/detail/sjpp/weekwatch-01-06-2026.html

02/06/2026

Pride Month 2026!

June marks Pride Month across the globe, a time to recognise, celebrate, and support LGBTQ+ communities, while reflecting on the ongoing journey towards equality and inclusion.

Throughout the month, we’ll be taking the opportunity to highlight important moments, influential figures, and key themes that have shaped LGBTQ+ history and continue to drive progress today.

We’re proud to be part of a culture that values diversity and inclusion, and we look forward to sharing more over the coming weeks.

How are you celebrating Pride Month?

27/05/2026

Last week saw busy markets as the S&P 500 rose for the eight consecutive week.

Chip maker Nvidia, the world’s most valuable company, reported another bumper set of results for the first quarter. Compared to the year before, sales rose by 85%, while net earnings increased threefold.

UK government bonds (gilts) had a better week. One reason was that “bad news is good”, with a rise in the domestic unemployment rate to 5% in March, from 4.9% the month before. Reflecting the effects of the energy shock, as well as low business confidence, this update was not surprising.

Find out more of the latest market updates by reading our article linked in the comment below. 👇️

26/05/2026

Recent political uncertainty drove new volatility for bonds and brought it back into the headlines.

But how does that affect investors?

Backdrop: When governments need to borrow money to fund expenses, they generally do so by issuing bonds. In the UK, government bonds are known as ‘gilts’. Each gilt will pay a regular amount of interest over the course of its life, which is called the coupon, with higher interest rates charged for bonds seen as ‘less safe’.

The amount an investor earns lending to the government on a 10-year gilt has risen sharply in recent months to 5%, a level not seen for years and a sign of investor unease. Likewise, the yield on a 30-year gilt is close to 6%, a level not seen since 1998.

In the this article, we look and answer key questions regarding government bonds and it's effects for investors.

📍Read the full article linked in the comment section below. 👇️

20/05/2026

The American dream is beginning to look more tarnished.

The US-Iran war, combined with volatile and unpredictable behaviour by the US president and his administration, have taken the shine off. Meanwhile the divide between the ‘haves’ and the ‘have nots’ is growing ever larger.

What might this mean for investments in the region?

Since Covid, the US economy has been one of the highlights of the global economy. It has managed impressive growth, undaunted by a growing national debt pile and international pressures. However, the wealth disparity between the haves and have nots has been growing in recent years. Currently, the bottom 50% of the population hold just 2.5% of the total US net worth.

The question is, could this inequality become a threat to the longer-term growth story?

Read our latest article that goes into more detail linked in the comment section below. 👇️

19/05/2026

Last week the UK continued to experience a rise in government bond yields to historical levels.

Here is what's happening...

The 10-year gilt yields spent most of the past few days above 5%, ending the week above 5.1%. To put that number into context, 10-year gilt yields haven’t breached 5% since 2008.

Meanwhile the 30-year gilt yield ended the week within touching distance of 6%, reaching its highest levels since 1998.

Although yields have been trending up since Covid, the recent rises have specific triggers. The ongoing public conversation about potentially replacing Sir Keir Starmer as prime minister is creating uncertainty across domestic bond markets.

However, it's not all negative for the UK as the economy performed quite well in the first quarter. Figures released by the Office for National Statistics (ONS) revealed that the UK economy (as measured by GDP) rose 0.6% in the first quarter of 2026 – the strongest of any G7 nation.

The elephant in the room continues to be the situation with Iran. The Q1 growth figures largely predate the impact of the conflict (which began at the end of February). The inflationary effects have gradually ramped up.

👇️Find out more of the latest market news by reding our latest article linked in the comment section below.

18/05/2026

Financial Health Report: Financial resilience falls but a plan can boost confidence.

On the 14th of May, St. James's Place have released their fifth Financial Health Report which presented many interesting findings.

At a quick glance:

- More than one third of people (34%) say their financial situation has worsened over the past 12 months, compared to just 17% who say it has improved.*

- Those with a financial plan are three times more likely than those without a plan to report their financial situation has improved (31% versus 9%).*

- Among those who have been investing for five years or more, seven in 10 (71%) say their wealth has increased over the past decade.*

You can find out more by reading the full article which includes the complete report linked in the comment section below. 👇️

*Source: Opinium survey of 6,000 UK adults between 17 March and 9 April 2026. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.

15/05/2026

What does financial security mean to your family?

Finances play an important role in all of our lives, and even more so when we have family or loved ones depending on us. But in the midst of day-to-day life, it’s easy to focus on the numbers rather than what they’re really there for.

With Mental Health Awareness Week and International Day of Families coming together, it’s a meaningful opportunity to pause and reflect. Ask yourself: What does financial security actually look like for me and my family?

Because the answer isn’t the same for everyone. For some, it’s having peace of mind that bills are covered. For others, it’s creating opportunities, protecting the future, or simply having more time to spend together.

Financial planning isn’t one-size-fits-all, it starts with understanding what matters most to you and building a plan around that.

At its core, financial security isn’t just numbers on a page. It’s the reassurance that your loved ones are supported, protected, and able to enjoy life’s moments together.

Because ultimately, financial planning begins with what matters most - your family. 💜

13/05/2026

Landlords are you aware of the new Renters' Rights Act?

Dubbed as the biggest shake-up in private renting for 30 years, the new rules bring sweeping changes to the rental sector, providing much stronger rights for tenants.

Landlords and letting agents must send all named tenants a copy of the government-produced Renters’ Rights Act Information Sheet 2026, either digitally or in the post, by 31 May 2026. Failure to comply could lead to a £7,000 fine.

But what has changed?

We have summarised the key changes for landlords and tenants in our latest article that you can read by visiting our website through the link in the comment section below. 👇️

12/05/2026

Keeping you up-to-date with the latest market news. 📊

Following bruising local election results, media reports have been awash with gossip around the prime minister Keir Starmer’s future. Judging by the UK bond market, however, lenders appear to prefer the stability of continuity over the uncertainty of a leadership challenge – at least for now.

Although UK borrowing costs haven’t been kind to the current government. Since the general election nearly two years ago, 10-year gilt yields (i.e. the interest the government pays on the bonds) have climbed from under 4% to a peak of over 5%.

Why is this an issue?

Higher yields make life difficult for governments, as it means more expensive borrowing, limiting their options around taxes and spending.

Beyond domestic politics, investors took comfort in reports that a peace deal was looking more likely in Iran.

Notably, oil prices plunged on Wednesday after reports emerged of a one-page memorandum of understanding that was close to being agreed. WTI crude oil fell from over $100 a barrel to just over $90, before ending the week just north of $95. This is still a long way off the sub-$60 prices it was trading before the Iran crisis.

📍Find out more by reading the full article on our website linked in the comment section below.👇️

Address

20 Chapel Street, Suite 212
Liverpool
L39AG

Opening Hours

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

Website

http://www.reflectfp.co.uk/

Alerts

Be the first to know and let us send you an email when Reflect Financial Limited posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Reflect Financial Limited:

Want your business to be the top-listed Finance Company in Liverpool?