Bowmore Wealth Group

04/11/2026

Congratulations to our team members on their recent Chartered Insurance Institute exam results!

Kit Douel and Mollie Sheppard have passed R01, and Arran Colby and Dan Van Staden have passed R05.

Sam Purnell has passed FA2 and now has just one exam left before he reaches Chartered status.

Helping our team develop is a big part of how we work, and we’re always glad to support them through their qualifications. It’s great to see everyone’s hard work recognised.

Well done, all! 🎉



Bowmore Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority.

03/11/2026

The Chancellor reversed the planned cut to the cash ISA contribution allowance and the addition of tax on cash ISA interest in last week’s Budget, but tax on savings interest and property income will rise by a further two percentage points from April 2027.

Combined with the increase already planned, that takes savings tax rates to 24%, 44% and 49%. The higher rates will also apply to gains on investment bonds, which are taxed as savings income.

To put this in context, a higher-rate taxpayer earning 2.5% interest on savings outside an ISA would keep around 1.4% after tax from April 2027. If inflation stayed at today’s 3.5%, that money would be losing value in real terms. By contrast, Capital Gains Tax and dividend tax rates are unchanged, widening the gap between how cash savings and investments are taxed.

It may be a good moment to consider whether the level of cash you hold still reflects your longer-term goals.

Are you making full use of your ISA and pension allowances?

And how does any savings or rental income fit within your wider tax position?

Everyone’s situation is different, so if you’d like to talk through what these changes mean for you, we’d be happy to arrange a conversation.

Source: HM Treasury, Autumn Budget 2026, 28 October 2026.

Bowmore Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. The value of your investments can go down as well as up, so you could get back less than you invested. The tax treatment of certain products depends on the individual circumstances of each client and may be subject to change in future.

02/11/2026

We’re delighted to share that Bowmore Financial Planning has been named one of the Citywire New Model Adviser Top 100 firms for 2026, our third year in a row 🏆

Mark Incledon, CEO of Bowmore Wealth Group, said, “It’s always good to score a hat-trick. As CEO, I’m absolutely delighted to receive this recognition once again. This recognition is a testament to the commitment and continued hard work of the entire Bowmore team.”

Over the past year our team has grown to 50 people, and we now support more than 1,700 clients across the South West and beyond.

Thank you to our clients for their continued trust, and to our team for everything they do.

Bowmore Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority.

Find out more here: https://eu1.hubs.ly/H0zzGj00

30/10/2026

✏️Weekly Note - Record IPOs and the creeping liquidity squeeze ✏️

- Whilst the S&P 500 sits near record highs, 38% of its constituents are already down more than 20% from their peaks, highlighting the growing disconnect between headline indices and the broader market.

- An historic AI IPO wave could add to pressure on market liquidity. The enormous capital demands of SpaceX, Anthropic and OpenAI risk diverting investment away from the wider market, whilst valuations increasingly depend on ambitious growth assumptions. Anthropic’s upcoming listing could prove a pivotal test of investor appetite for AI.

- We have reduced exposure to US technology and semiconductor-heavy markets, introduced downside protection and avoided the blockbuster AI IPOs. However, we recognise the transformative potential of AI and the risk of being underexposed if the rally continues.

Whilst the S&P 500 sits near record highs, 38% of its constituents are already down more than 20% from their peaks, highlighting the growing disconnect between headline indices and the broader market.

28/10/2026

Freedom of Information data obtained by Bowmore Wealth Group from HMRC reveals that crystallised losses on residential property sales by buy-to-let investors reached £1.15bn in the tax year 2024/25, a 32% increase from £870m the year before.

Featured in The Telegraph, IFA Magazine, Mortgage Soup, and other publications, the findings come as property prices have shown little movement across the UK over the past twelve months, with London seeing a decline of 2.2% over the same period (Lloyds House Price Index, September 2026).

As our Head of Private Client, David Floyd, said, “The Renters’ Rights Act may have prompted buy-to-let investors to sell up even if it means taking a loss.”

For property investors, understanding the financial implications of the current landscape may be an increasingly important part of longer-term financial planning.

Find out more here: https://eu1.hubs.ly/H0zsZnj0

Bowmore Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. The tax treatment of certain products depends on the individual circumstances of each client and may be subject to change in future. The Financial Conduct Authority does not regulate Estate Planning or Inheritance Tax Planning.

26/10/2026

Congratulations to Arran Colby on his promotion! 🎉

We’re delighted to announce that Arran will be stepping into his new role as Operations Analyst at Bowmore this November.

At Bowmore, we’re passionate about recognising talent and supporting our people as they grow and develop their careers.

With his strong understanding of our operations, Arran is well placed to take on this new challenge. In his new role, he’ll be supporting our ongoing work on data quality, reporting and process improvement across the firm.

We’re incredibly proud to see Arran take this next step and look forward to seeing him continue to make a positive impact.

Please join us in congratulating Arran on his well-deserved promotion!

23/10/2026

✏️Weekly Note - Drilling in the North Sea ✏️

- The UK government approved the Jackdaw gas field in the North Sea with first gas expected before the end of the month.

- Renewables supplied a record 52% of UK electricity in 2025 but the intermittency means that gas is still a necessary safety net.

- Approximately 140 proposed data centre projects are seeking grid connections in the UK. These would use more electricity than the country’s current peak demand.

The UK government approved the Jackdaw gas field in the North Sea with first gas expected before the end of the month

16/10/2026

We’re proud to share that our Chief Investment Officer, Jonathan Webster-Smith, has been named in the Citywire Wealth Manager Top 100 2026.

Now in its 15th year, the list highlights the professionals behind fund research and selection for discretionary portfolios.

Delighted with the news, he said, “It’s a privilege to be included in this year’s Citywire Wealth Manager Top 100. Passing £500 million in assets under management marks an important milestone in our growth."

Many congratulations, Jonathan, from all of us!

Find out more here: https://eu1.hubs.ly/H0z7JjW0

Bowmore Asset Management Ltd is authorised and regulated by the Financial Conduct Authority.

13/10/2026

Speaking to FT Adviser, our Chief Investment Officer, Jonathan Webster-Smith, shared his thoughts on how artificial intelligence is beginning to shape the way clients prepare for conversations about their portfolios.

As Jonathan said, “They want to be treated as individuals rather than just a number.”

However technology evolves, that remains at the heart of everything we do.

🔗 Find out more here: https://eu1.hubs.ly/H0z25vf0

Bowmore Asset Management Ltd is authorised and regulated by the Financial Conduct Authority. The value of your investments can go down as well as up, so you could get back less than you invested.

09/10/2026

✏️Weekly Note - UK Charity Sector ✏️

- Figures from the Charities Aid Foundation (CAF), suggest the British public donated a huge £14.0b to charity in 2025.

- The charities with the highest revenue in the UK include household names such as Save the Children (£1.1b), Cancer Research (£530m) and the Royal National Lifeboat Institution (£222m).

- Good corporate culture is generally seen to corelate with a more successful organisation and ultimately better share price performance.

Figures from the Charities Aid Foundation (CAF), suggest the British public donated a huge £14.0b to charity in 2025.