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At NEXA Wealth Management, everything starts with connection.

As financial planners, we view ourselves as your financial centre of influence, helping to align every part of your financial world.

28/08/2026

Is it that time you’re now looking to exit your business? Here is what to consider.

Please note that advice with regard to exit strategy planning may involve the referral to a service that is separate and distinct to those offered by St. James's Place.

NEXA Wealth Management 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 26/09/2026

22/08/2026

What is a pension?

NEXA Wealth Management 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 22/08/2026

17/08/2026

What are pension contributions?

And how do they work?

NEXA Wealth Management 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 06/07/2026

15/08/2026

Interest rates have a surprisingly broad influence on everyday financial life. They can affect the cost of borrowing (i.e. credit cards, car loans etc), the interest paid on savings and the wider UK economy.

The Bank of England's Monetary Policy Committee sets Bank Rate as part of its role in maintaining price stability. Changes to Bank Rate can influence other interest rates across the economy, although the effect on individual financial products varies.

Interest rates are also closely connected to inflation. When inflation rises above the Bank of England's 2% target, strategy and actions are used by a country's central bank to control the total supply of money and the cost of borrowing. This is known as monetary policy and is used to influence demand within the economy. For households, changes in interest rates can therefore have several consequences. Borrowing costs may change, while the rates available on cash savings can also move.

As summer 2026 progresses, interest rates remain an important economic indicator to watch because they influence many areas of financial life, from mortgages and savings to business borrowing and wider economic activity. Understanding the relationship between Bank Rate, inflation and borrowing costs can make economic news considerably easier to follow.

Sources: Bank of England; Office for National Statistics.

13/08/2026

The State Pension is an important part of retirement income for millions of people across the UK, but the way it changes each year is something that can be easily overlooked.
The State Pension triple lock was introduced in 2010. Under the mechanism, the basic and new State Pension generally increase each year by whichever is highest of average earnings growth, inflation or 2.5%.

For the 2026/27 tax year, the full new State Pension is £241.30 per week, equivalent to £12,547.60 over a full year. The amount an individual receives can differ depending on their National Insurance record and circumstances. The triple lock is frequently discussed in economic and political debates because State Pension spending represents a significant part of public expenditure.

Understanding how the State Pension operates is an important part of understanding the UK's retirement system. It also illustrates why retirement income can involve several different components rather than coming from a single source.

Sources: GOV.UK; Department for Work and Pensions.

10/08/2026

Diversification is one of the most established concepts in investment management. The basic principle is straightforward: rather than concentrating investments in one area, money can be spread across different assets, markets, sectors or geographical regions. The reason diversification receives so much attention is that different investments can behave differently under changing economic conditions.

Think of it like this: if you put all your eggs in one basket, dropping the basket can be a problem. Investing works in a similar way. Spreading investments across different companies, sectors and countries means that one area performing poorly doesn't necessarily determine the outcome of the entire portfolio.

Diversification is not a guarantee against losses. Investments can fall in value, and spreading money across different assets does not remove investment risk. However, understanding the concept helps explain why professionally managed portfolios often contain a range of different investments rather than relying on one company, sector or geographical market.

The principle is particularly relevant when financial markets are experiencing uncertainty. Headlines can often focus heavily on individual companies, countries or asset classes, but a diversified portfolio may contain exposure to many different areas of the global economy.

For anyone interested in understanding investment terminology, diversification is one of the fundamental concepts worth knowing.

This article is intended for general information only and does not constitute financial advice.

Sources: Financial Conduct Authority; Bank of England.

08/08/2026

What is an RSU?

NEXA Wealth Management 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

02/08/2026

Although UK financial markets have remained broadly resilient during 2026, the Bank of England continues to monitor several sources of global market volatility.
Its July Financial Stability Report highlights elevated valuations in some equity markets, increased use of leverage by hedge funds and continued uncertainty surrounding global geopolitical events.

The report also notes that AI-related companies account for an increasing share of major equity indices, contributing to higher levels of market concentration.
Alongside equity markets, regulators continue to monitor sovereign debt, private credit and funding markets for signs of increased vulnerability.

The Financial Policy Committee concluded that while the UK financial system remains resilient overall, multiple risks could interact simultaneously during periods of market stress. The report illustrates how financial stability assessments increasingly consider global developments alongside domestic economic conditions.

Source: Bank of England Financial Stability Report, July 2026.

31/07/2026

The Financial Conduct Authority has launched a consultation proposing targeted refinements to Consumer Duty.

Published at the end of June 2026, the consultation aims to clarify where Consumer Duty applies and where it does not, rather than fundamentally changing the framework itself.
Among the proposed changes are clearer guidance for firms operating within complex distribution chains, greater proportionality depending on a firm's role, and confirmation that business involving non-UK retail customers would fall outside the Duty's scope.

The FCA states that the proposals are intended to reduce unnecessary complexity while maintaining strong consumer protections.
Since Consumer Duty came into force in 2023, firms have introduced significant changes to governance, product oversight and customer communications. The latest consultation reflects the regulator's ongoing review of how the framework operates in practice.

Responses to the consultation are open until September 2026, with any final policy changes expected during 2027.
The proposals illustrate how UK financial regulation continues to evolve following implementation of one of the most significant conduct frameworks introduced in recent years.

Source: FCA Consultation Paper CP26/23.

30/07/2026

The Bank of England's July 2026 Financial Stability Report concluded that the UK financial system remains resilient despite an increasingly uncertain global environment.
According to the Financial Policy Committee (FPC), UK banks continue to hold strong levels of capital and liquidity, enabling them to support households and businesses even during periods of economic stress. The report notes that household and company (corporate) debt remains low relative to historical averages, although some lower-income households and more highly leveraged businesses remain more exposed to higher borrowing costs.

The report also highlights several emerging risks. These include higher levels of leverage in global equity markets, increased concentration in AI-related stocks, continued uncertainty surrounding sovereign debt markets and the rapid growth of private credit markets. Geopolitical developments, particularly earlier disruptions to energy markets, have also increased uncertainty across financial markets. While wholesale energy prices have eased from their recent peaks, the Bank notes that volatility remains higher than historical norms.

The Financial Stability Report is published twice each year and provides an assessment of risks that could affect the resilience of the UK's financial system rather than focusing solely on economic growth or inflation.

Source: Bank of England – Financial Stability Report, July 2026.

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