Ryan Brady - Financial Planning

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

12/03/2026

‼️Five allowances to use before tax year end‼️

▪️Using your allowances has become more important than ever as the cost of living and inflation have increased.

▪️Tax wrappers such as ISAs and pensions offer significant long-term benefits.

▪️The right plan depends on your individual circumstances and may involve allowances related to investments, savings or gifting.

With the rise in inflation and the freeze on income tax thresholds until at least 2031, the tax burden has increased considerably for many of us. This is especially true for those who have benefited from rising wages but who have moved into higher income tax bands as a result. This is why it is more...

04/03/2026

Middle East conflict overshadows Spring Statement

▪️The OBR has updated its growth forecasts for the UK economy. It has downgraded growth in 2026 from 1.4% to 1.1%. However, it predicts faster annual growth of 1.6% for 2027 and 2028, and 1.9% for 2029 and 2030.

▪️Expectations of an interest rate cut in March have fallen substantially following the conflict in the Middle East.

▪️Inflation is predicted to reach the government’s 2% target by the end of 2026.

Chancellor Rachel Reeves has delivered her Spring Statement against the backdrop of intensifying conflict in Iran and the Middle East.

12/02/2026

05/02/2026

Is your money working as hard as you do? 💼💪

Good financial habits, like making the most of your annual tax reliefs and allowances help ensure your effort brings greater reward.

As we approach tax year-end, now is the perfect time to check in on your financial fitness.

Join us on Thursday 12 February 2026, 12:30–13:30, for our live webinar: ✨ Ready for Tax Year-End?

Hosted by Iain McLeod, with expert insights from:
🔹 Niki Patel – Tax and Trust Specialist
🔹 Claire Trott – Retirement & Holistic Planning Specialist

You’ll learn:
✔️ How to complete your year-end tax checklist with confidence
✔️ Tax-saving opportunities tailored to you
✔️ How to maximise reliefs and allowances
✔️ Key inheritance tax considerations
✔️ Practical steps to strengthen your financial wellbeing

Start building strong financial habits today, your future self will thank you.

👉 Save your spot now: Register here - https://sjp-co-uk.zoom.us/webinar/register/9717611376298/WN_2iWAG4LFSBSoxtfXwCZTnA?j=1059118&sfmc_sub=983985409&l=2968_HTML&u=32566514&mid=510006582&jb=2009 #/registration

Taxation rules can change at any time and are dependent on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

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 19/12/2025

Is your money working as hard as you do? Good habits, like making the most of your available tax reliefs and allowances each year help ensure that your effort brings greater reward. Just as a strong fitness routine builds long-term strength, smart tax planning helps create a secure and resilient fin...

28/01/2026

How to avoid inheritance tax traps

▪️Few taxes arouse as much concern - and misunderstanding - as inheritance tax (IHT). Whether you’re a saver, investor, farmer or business owner, the rules are complex, and upcoming reforms mean the landscape is shifting.

▪️From April 2026, some farmers and business owners will have to pay IHT for the first time. A year later, most unused pensions and death benefits will become liable for IHT.

▪️Despite the complexity and changes, it is possible to reduce the amount of IHT payable with careful estate planning and tax-efficient gifting.

Leaving a decent inheritance for your loved ones can be life changing. But navigating inheritance tax rules and estate planning is often tricky. Here are five inheritance tax traps to avoid, so you can leave more of your wealth to your family.

20/01/2026

Planning for retirement in volatile times

You can help manage the volatility risk of your retirement portfolio by choosing the level of risk you are willing to take across your ISA, pension and other investment products. Diversification also helps to manage volatility risk.

Even though volatility can be nerve-racking for investors, history suggests it is important to remain invested in tough times to benefit from the long-term gains of investing.

Market volatility could potentially help those who make regular contributions to their investments accelerate portfolio growth.

On the surface, investing for retirement may seem straightforward – the younger you are, the more risk you might be prepared to take with your investment portfolio. For those approaching retirement, derisking their portfolio is likely to be a preferred approach.

09/01/2026

Top tax tips for the year ahead

▪️Changes in the ISA and savings allowances announced in the recent Budget may affect your tax liability in future – and investment planning.

▪️The economic outlook remains uncertain, so it’s still vital to make the most of all the allowances and exemptions you’re entitled to.

▪️A financial adviser can help you ensure you are investing tax efficiently in these changing times.

Changes to tax regulations can have a domino effect on your finances, including your tax bill. As we enter 2026, it’s time to triple check that you’re aware of how any changes may affect you. This tax checklist gives you top tax tips for the year ahead.