Wolfe Wealth & Financial Planning

30/10/2026

Whole of life assurance: the quiet solution to the IHT landscape

When it comes to Inheritance Tax, timing can be just as important as planning.

With most unused pensions set to be included in many estates for inheritance tax purposes from April 2027, it’s more important than ever to be prepared.

Read the latest St. James’s article about how whole of life assurance could help provide certainty and financial support for loved ones when it matters most.

https://www.wolfewealth.co.uk/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape.html

Wolfe Wealth & 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 18/09/2026

28/10/2026

28/10/2026

The capital gains tax surprises that catch people out

Could a capital gains tax bill catch you by surprise?

With the annual CGT exemption now significantly lower than it was just a few years ago, more people are finding themselves facing unexpected tax liabilities when selling or gifting assets.

Read on to learn more about:

✔ Why surprise CGT bills are becoming more common
✔ What to do if you get a bill unexpectedly
✔ Simple steps to help avoid unexpected costs in future

https://www.wolfewealth.co.uk/article/detail/sjpp/the-capital-gains-tax-surprises-that-catch-people-out.html

Wolfe Wealth & 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 14/09/26

23/10/2026

Closing the gap: women, pay and pensions

Many women face financial challenges that extend far beyond their pay packet.

Career breaks, caring responsibilities and lower lifetime earnings can all have an impact on long-term savings and retirement income.

This article looks at the factors behind the gender pensions gap and highlights why understanding these challenges is the first step towards building greater financial confidence and resilience.

👉 Learn more: https://www.wolfewealth.co.uk/article/detail/sjpp/closing-the-gap-women-pay-and-pensions.html

Wolfe Wealth & 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 24/08/2026

21/10/2026

The new retirement dilemma: preserve or spend your pension?

For years, many people viewed their pension as more than just a retirement income source.

With most unused pension assets set to become subject to inheritance tax from April 2027, that approach may need revisiting.

This article explores how the rule changes could affect retirement and estate planning decisions, and why many families may wish to review existing plans.

https://www.wolfewealth.co.uk/article/detail/sjpp/the-new-retirement-dilemma-preserve-or-spend-your-pension.html

Wolfe Wealth & 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 01/09/2026

16/10/2026

Why bond markets suddenly matter again

Concerns about government borrowing, inflation and the global economic outlook have contributed to higher bond yields and increased market attention.

This article explains what's driving these changes and why government bonds continue to play an important role in helping manage risk within portfolios: https://www.wolfewealth.co.uk/article/detail/sjpp/why-bond-markets-suddenly-matter-again.html

Wolfe Wealth & 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 04/09/2026

14/10/2026

Beating the deadlines: tax dates for business owners

Tax deadlines can creep up on even the most organised business owners.

From self-assessment returns to Making Tax Digital registration, there are a number of important dates coming up.

This article provides a useful reminder of the key deadlines ahead and why planning early can help avoid unnecessary pressure later on.

https://www.wolfewealth.co.uk/article/detail/sjpp/beating-the-deadlines-tax-dates-for-business-owners.html

Wolfe Wealth & 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 03/09/2026

09/10/2026

Finding control when money feels overwhelming

If money worries are affecting your peace of mind, you're not alone.

Whether concerns relate to cash flow, debt or long-term financial security, it's easy to feel stuck or unsure where to start.

This article looks at how breaking problems into manageable steps, talking things through and seeking support can help create clarity and build confidence: https://www.wolfewealth.co.uk/article/detail/sjpp/finding-control-when-money-feels-overwhelming.html

Wolfe Wealth & 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 20/08/2026

07/10/2026

How pension changes could affect your inheritance tax plans

Could your pension increase your inheritance tax (IHT) bill? From April 2027, most unused pension funds will be included in estates when calculating IHT.

For some families and individuals, having unspent pension funds could significantly increase the value of their estate for IHT purposes.

Will these changes affect you? It’s worth taking some time to understand your position, plan and act.

Read more in here: https://www.wolfewealth.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

Wolfe Wealth & 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 20/08/2026

02/10/2026

Keeping it in the family: planning ahead for business succession

Preparing for family business succession takes time, careful planning, accurate valuation and open conversations. No two family businesses are the same, so what works for your family business will be specific and unique to you.

A fair outcome may not always mean equal shares for beneficiaries, depending on their involvement with the business. But honest communication can help to smooth the path.

Learn more on planning ahead for business succession: https://www.wolfewealth.co.uk/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession.html

Wolfe Wealth & 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 20/08/2026