Ryan Brady - Financial Planning

20/08/2026

Could your business survive losing its most valuable person?

> The key people in your business are those who you rely on heavily for the company to function successfully. It may be a director or an employee with niche expertise or talent.

> Key person insurance can help keep your business afloat in the event that a key person in your company falls seriously ill or dies.

> Shareholder protection insurance allows existing shareholders to retain their equity stake in the company if a key person – such as the founder or chief executive – passes away.

Does your business rely on the talent or expertise of a key individual? If so, how would it fare if they were no longer able to work?

05/06/2026

Saving and investing for children and grandchildren

▪️Most long-term investment options for children and grandchildren, such as junior ISAs, personal pensions and accounts held in trust, are subject to specific access rules.

▪️Savings accounts may be more suitable, particularly if money is likely to be needed in the short term.

▪️Parents and grandparents should consider making full use of a child’s available allowances where appropriate, while keeping their own estate planning goals in mind.

Many parents worry that their children will struggle to find their financial feet in the current environment. Concerns include the flagging jobs market and inadequate retirement savings. Meanwhile, high house prices make it increasingly difficult to take the first step onto the property ladder. Thes...

14/05/2026

Choosing a mortgage feels more complex in uncertain times.

Although the base rate has been held, expectations of future increases mean many buyers and homeowners are weighing up fixed‑rate versus tracker deals once again.

We explain how each option works and what to consider when comparing mortgage products in a changing interest rate landscape: https://ow.ly/ZiqA50YYSSb

Your home may be repossessed if you do not keep up repayments on your mortgage.

St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 13/5/2026

30/04/2026

🏡 First home secured! 🔑

I was delighted to help Anna on her journey to buying her first family home — a massive milestone! 👏

Buying your first home can feel overwhelming, but having someone guide you through it and explain everything clearly makes a big difference.

If you’re thinking about getting on the property ladder, I’m always happy to have a chat.

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

The Strain Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management (which is authorised and regulated by the Financial Conduct Authority) The Strain Practice is a trading name of The Strain Practice Ltd

SJP Approved 29/04/2026

15/04/2026

📊 A strong performance by the S&P 500 meant by the end of last week it had retraced almost all its losses since the start of the Iran war.

Read last week's market update here: https://ow.ly/1RUx50YI93P