Alison Wright Business Page

Alison Wright Business Page I am a Senior Partner of
St. James’s Place Wealth Management, based in Longfield, Kent.

I provide face to face advice on all areas of Wealth Management and offer an excellent service to my clients, building long-term, trusted relationships.

17/09/2025

• Even experienced pension savers can get caught out by half-truths and misconceptions, which could cost them thousands in retirement. • From how much you can pay into a pension to tax relief rules and whether you can contribute to a partner’s retirement pot, there are lots of pension myths ou...

18/08/2025

Nobody wants HMRC to be their biggest beneficiary. Find out how you can reduce your IHT bill – and leave more to your family: https://ow.ly/XHUK50WFU1n

I’ve had a lovely Friday lunchtime presenting a cheque with colleagues from Cole Financial from the to a Kent based me...
08/08/2025

I’ve had a lovely Friday lunchtime presenting a cheque with colleagues from Cole Financial from the to a Kent based mental health charity. Also a yummy lunch and worth a visit if you’re ever in Whitstable. The Revival café.

My new shredder is installed! 🐶🦈
26/06/2025

My new shredder is installed! 🐶🦈

Not sure how much to save for your pension? Here’s a simple rule of thumb to help guide you!Aim to save half of your age...
29/05/2025

Not sure how much to save for your pension? Here’s a simple rule of thumb to help guide you!

Aim to save half of your age as a percentage of your pre-tax income each year:

💰 10% at 20
💰 15% at 30
💰 22% at 44

The earlier you start, the better! Start planning for your future today.

Retirement isn’t just about stopping work—it’s a chance to start something new! Here are a few simple tips to help make ...
27/05/2025

Retirement isn’t just about stopping work—it’s a chance to start something new! Here are a few simple tips to help make your retirement as enjoyable as possible:

💪 𝐊𝐞𝐞𝐩 𝐌𝐨𝐯𝐢𝐧𝐠 – Staying active is great for both your body and mind.
🎨 𝐓𝐫𝐲 𝐍𝐞𝐰 𝐓𝐡𝐢𝐧𝐠𝐬 – Now’s the time to pick up that hobby you’ve always thought about!
🤝 𝐒𝐭𝐚𝐲 𝐒𝐨𝐜𝐢𝐚𝐥 – Keep in touch with friends and family, it’ll help you stay connected.
🥗 𝐄𝐚𝐭 𝐖𝐞𝐥𝐥 – A good diet can make a big difference in how you feel every day.
💰 𝐏𝐥𝐚𝐧 𝐀𝐡𝐞𝐚𝐝 – It’s still important to think about your finances, even in retirement.

What’s your idea of the perfect retirement? Let’s chat about how you can make it happen!

Here’s a scary statistic... 75% of UK adults don’t know how much is in their pension pot.That means most people are head...
22/05/2025

Here’s a scary statistic... 75% of UK adults don’t know how much is in their pension pot.

That means most people are heading toward retirement without a clear picture of their financial future.

It’s a wake-up call to take control now because your future self deserves more than a guess.

How well do you know your pension?

Did you know that with the right savings and investment strategies, you can minimise your tax bill while securing your f...
20/05/2025

Did you know that with the right savings and investment strategies, you can minimise your tax bill while securing your financial future?

Here are three smart ways to reduce your tax burden and make your money work for you: 💡💰

✨ 𝐔𝐬𝐞 𝐚 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐒𝐜𝐡𝐞𝐦𝐞: Contributing to a pension plan not only helps you save for retirement but can also reduce your taxable income, lowering your overall tax bill. Consider setting up a personal or self-invested personal pension (SIPP).

🌱 𝐈𝐒𝐀𝐬 𝐟𝐨𝐫 𝐓𝐚𝐱-𝐅𝐫𝐞𝐞 𝐆𝐫𝐨𝐰𝐭𝐡: Invest in Individual Savings Accounts (ISAs) to benefit from tax-free interest, dividends, and capital gains. You can save up to £20,000 a year in an ISA, and the returns are all yours—tax-free!

🚀 𝐕𝐞𝐧𝐭𝐮𝐫𝐞 𝐂𝐚𝐩𝐢𝐭𝐚𝐥 𝐓𝐫𝐮𝐬𝐭𝐬 (𝐕𝐂𝐓𝐬): If you're looking for higher-risk options, VCTs offer tax relief on investments. This allows you to invest in small, growing businesses while getting a 30% income tax relief on your investments.

By planning ahead and making smart choices, you can minimise your tax burden while building your financial future!

Generally, people know they need a pension to secure their future, but before you start contributing, it’s important to ...
15/05/2025

Generally, people know they need a pension to secure their future, but before you start contributing, it’s important to consider a few key things.

Here are five things to think about before diving in:

1️⃣ 𝐘𝐨𝐮𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐆𝐨𝐚𝐥𝐬: How much money will you need when you retire? Understanding this will help you set a realistic savings target.
2️⃣ 𝐇𝐨𝐰 𝐌𝐮𝐜𝐡 𝐭𝐨 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐞: Decide how much you can afford to contribute regularly. The earlier you start, the more you benefit from compound growth!

3️⃣ 𝐓𝐚𝐱 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬: Pensions come with tax relief, but it’s important to understand how it works and the limits on contributions.

4️⃣ 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐎𝐩𝐭𝐢𝐨𝐧𝐬: Pensions offer a variety of investment options—make sure you choose one that aligns with your risk tolerance and retirement goals.

5️⃣ 𝐀𝐜𝐜𝐞𝐬𝐬𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐏𝐞𝐧𝐬𝐢𝐨𝐧: Pensions are long-term savings, so make sure you’re comfortable locking your money in until you retire.

Take the time to plan your pension properly, and you'll be setting yourself up for a brighter financial future! 💰✨

Many people set up a pension and then forget about it, but did you know that regularly reviewing it can make a big impac...
13/05/2025

Many people set up a pension and then forget about it, but did you know that regularly reviewing it can make a big impact on your retirement plans.

Here are some tips on how often you should take a look:

📅 𝐀𝐧𝐧𝐮𝐚𝐥𝐥𝐲: At least once a year, review your pension’s performance. This helps ensure your investments are still aligned with your retirement goals and that you're on track to meet them.

📈 𝐖𝐡𝐞𝐧 𝐌𝐚𝐣𝐨𝐫 𝐋𝐢𝐟𝐞 𝐂𝐡𝐚𝐧𝐠𝐞𝐬 𝐎𝐜𝐜𝐮𝐫: If you experience significant events like a pay rise, changing jobs, or starting a family, it's time to reassess your pension contributions and investment strategy.

🔄 𝐖𝐡𝐞𝐧 𝐌𝐚𝐫𝐤𝐞𝐭 𝐂𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧𝐬 𝐂𝐡𝐚𝐧𝐠𝐞: Major economic shifts or market changes are a good reminder to check in on your pension and adjust as needed to stay on course.

When was the last time you reviewed your pension? I'd be interested to hear!

On this VE Day, we honour the courage, sacrifice, and resilience of those who fought for our freedom.The stories of thos...
08/05/2025

On this VE Day, we honour the courage, sacrifice, and resilience of those who fought for our freedom.

The stories of those who lived through the war remind us of the power of unity in the face of unimaginable hardship. Today, we reflect on their bravery and remember those we lost, ensuring their legacy lives on in the peace we now cherish.

Let’s never forget that freedom is hard-won—and it’s something we must protect every day.

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