Stephen Limbert Wealth Management

Stephen Limbert Wealth Management My expertise covers the broad spectrum of both personal and business financial planning
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Having a clear purpose or goal when saving and investing can make a real difference when it comes to both motivation and...
18/03/2026

Having a clear purpose or goal when saving and investing can make a real difference when it comes to both motivation and confidence. And those goals are rarely purely financial – there will often be a clear emotional driver behind them.

For many people, saving and investing involve making tough decisions and compromises, not least in an increasingly challenging economic environment.

But having clearly defined financial goals and timelines can make a real difference when it comes to staying the course.

A financial adviser will help you to create a plan to achieve your goals. Speak to your financial adviser today.

As might be expected, saving goals differ across different generations. Younger adults are more focused on shorter-term ...
16/03/2026

As might be expected, saving goals differ across different generations. Younger adults are more focused on shorter-term milestones such as buying a home and starting a family, while older generations are more inclined to save on a regular basis.

Unsurprisingly, a large proportion of people are thinking about the long term, with retirement at the forefront of 43% of savers' minds. This is according to the Real Life Advice Report 2025 carried out by Opinium.

In contrast, a third (31%) of savers are putting money away to travel, while a fifth (19%) said their goal was to save to pay for later-life care (19%). Around 13% of those surveyed said their goal was to save for a deposit on a home.

But what fuels motivation is rarely purely financial, but instead often the purpose behind the goal. For example, those saving for a house deposit may be motivated by the dream of a family space to grow and make lasting memories.

When people turn these dreams into tangible, structured plans, real benefits can emerge. The report highlights that those with a strong financial plan are nearly twice as likely to be on track with their savings and investment targets compared to those without a plan.

Speak with your financial adviser about your goals for your savings and investments and start working towards achieving them today.

Volatility is typically caused by uncertainty from economic, political or company-specific factors.When professional fin...
11/03/2026

Volatility is typically caused by uncertainty from economic, political or company-specific factors.

When professional financial planners assess the level of volatility in their clients’ portfolios, they pay particular attention to their clients' investment timeframes.

For instance, if you are close to retirement, your portfolio might have less time to recover from potential losses, so it makes sense to protect it from high volatility. Conversely, if retirement is a long way off, your portfolio has more time to recover from higher-volatility periods and outgrow any losses.

This means keeping your portfolio invested for as long as possible makes it more likely these short-term market shocks will be smoothed out.

In any case, high volatility can be unsettling; after all, the money you are investing is at risk. It may be tempting to sell shares in the belief that this will protect you against further losses.

If you have more questions about how this affects your financial planning, speak with your financial adviser today.

On the surface, investing for retirement may seem straightforward – the younger you are, the more risk you might be prep...
09/03/2026

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.

Market volatility is a measure of how much the price of an asset fluctuates over time. Periods of high volatility are defined by unpredictable, abrupt price swings, whereas low volatility means more stable asset price movements.

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

Speak with your financial adviser about your risk level and how that will affect the value of your savings and investments.

No one wants to think about the possibility of falling ill - which is perhaps why many people put off buying protection ...
04/03/2026

No one wants to think about the possibility of falling ill - which is perhaps why many people put off buying protection cover. But asking yourself how you and your family would manage financially if you were unable to work due to illness can focus the mind and encourage proactive planning.

Having a serious illness which affects your ability to work could be particularly difficult for the 4.37 million self-employed workers in the UK who are ineligible for statutory sick pay (SSP).

Those who qualify for SSP can receive £118.75 per week for up to 28 weeks, but this could be insufficient for anyone covering a mortgage, supporting their family or caring for dependants.

Speak with your financial adviser about your income protection needs.

If you are unable to work due to a serious illness or injury, it can be extremely stressful, particularly if you do not ...
02/03/2026

If you are unable to work due to a serious illness or injury, it can be extremely stressful, particularly if you do not have employee sick pay or savings to fall back on.

A protection insurance policy offers peace of mind that you and your family will have financial support during a difficult time.

This financial safety net could be even more important in the current economic climate, where the cost of living has risen sharply and the NHS is under strain.

There are many choices and options when it comes to your income protection, which is why it’s important to discuss the options with a financial adviser.

Today is my eight-year anniversary as Stephen Limbert Wealth Management!While I have worked in the financial planning in...
26/02/2026

Today is my eight-year anniversary as Stephen Limbert Wealth Management!

While I have worked in the financial planning industry for years, I am excited to reach my eight-year milestone with St James’s Place.

Over the past eight years, I have met with some truly inspirational people and enjoyed every aspect of my work. I have a passion for helping people understand and make the most of their finances.

I cannot wait to see what the next chapter of Stephen Limbert Wealth Management looks like.

Happy anniversary to me!

Everyone is looking to reduce costs. The uncertainty of the cost-of-living crisis is driving more and more people to cut...
24/02/2026

Everyone is looking to reduce costs. The uncertainty of the cost-of-living crisis is driving more and more people to cut down on expenses where they can.

When it comes to investing in your pension, reducing your monthly contributions might seem like an easy fix for short-term challenges, but don’t lose sight of your future.

Pausing pension contributions may seem like a good option given current cost pressures but reducing or stopping could have long-term implications.

By scaling back or ceasing your pension contributions, you’ll miss out on the tax benefits – and, if you’re employed, the contributions from your employer – as well as the effect of compounding.

While reducing the amount you pay – or stopping altogether – might make it easier to meet certain short-term needs, it’s a choice that could significantly impact your standard of living later in life when you have fewer other options open to you.

Always get advice from a professional financial planner before making a decision about your pension

Talking about money can feel awkward – and some people prefer to keep their financial affairs to themselves – but starti...
19/02/2026

Talking about money can feel awkward – and some people prefer to keep their financial affairs to themselves – but starting a conversation encourages healthy money habits and boosts financial wellbeing.

As a nation, the UK is notoriously tight-lipped about certain topics, and money is probably top of that list.

Many people are reluctant to talk about their personal finances – for example, how much they earn, how much their property cost, and the value of savings, investments and pensions, and any debt.

But the Money and Pensions Service (MaPS), a non-departmental public body sponsored by the Department for Work and Pensions, wants to break down the barriers and get people having more open conversations about their finances. And there are plenty of benefits of doing so.

For instance, talking to children early on about their pocket money could prompt them to make more considered decisions. It could also help them with more serious money matters in the future.

Equally, having a conversation could help someone gauge the level of risk of an important financial decision if they’re willing to open up about their circumstances with close friends or other family members.

If you want to start talking about money with a financial adviser, contact yours today.

Having a clear purpose or goal when saving and investing can make a real difference when it comes to both motivation and...
17/02/2026

Having a clear purpose or goal when saving and investing can make a real difference when it comes to both motivation and confidence. And those goals are rarely purely financial – there will often be a clear emotional driver behind them.

Nearly nine in ten (87%) of savers working towards a specific goal say it acts as a major motivator.

For many people, saving and investing involve making tough decisions and compromises. Not least in an increasingly challenging economic environment.

But having clearly defined financial goals and timelines can make a real difference when it comes to staying the course.

Speak with your financial adviser if you are ready to set clear goals and work on achieving them with your financial plan.

Owning a home is a key milestone for many people.One that requires financial planning and preparation. However, ownershi...
11/02/2026

Owning a home is a key milestone for many people.

One that requires financial planning and preparation. However, ownership comes with additional responsibilities and costs – some of which can be avoided under certain circumstances.

First-time buyers are eligible for one of the biggest tax breaks for homebuyers – zero stamp duty land tax on the first £300,000 of their property value.

Stamp duty land tax (SDLT) is paid when you buy a residential home in England and Northern Ireland. It operates on a tiered system where different rates apply to different price bands. Progressively higher rates apply to different portions of the purchase price as you move up through the bands.

Those purchasing property for the first time benefit from one of the biggest tax breaks available to homebuyers across the UK. Provided the property value is below a certain threshold, the first slice is completely tax-free, with SDLT (or the equivalent) being charged only on the balance.

If you want to learn more about the tax reliefs available to you as a homeowner, speak with your financial adviser today.

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Irthlingborough
Northampton

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Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 9am - 12pm

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+447931349708

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