Nth Degree Financial Planning

21/08/2026

First full week in the new office complete! 🧡

It’s been a really positive week settling into Lighthouse View Workspace in Seaham and starting to make the space feel like Nth Degree.

When I started the business, the aim was always to build something that feels authentically me.

This feels like another little milestone along the way.

Still a few finishing touches to go, but it already feels like home.

Here’s to the next chapter of Nth Degree Financial Planning.

05/08/2026

New home for Nth Degree - coming soon!
Watch this space.

05/05/2026

April was a busy month after an equally busy tax year end, but it was lovely to spend time on holiday in the Fjords.

A week of both exploration and relaxation followed by the bank holiday weekend.

Feeling very refreshed back in the office today!

17/03/2026

Celebrating 1 Year of Nth Degree Financial Planning!

Today marks the first anniversary since the launch of Nth Degree Financial Planning.

Over the past year, it’s been a privilege to work with so many individuals, families and businesses, helping them take control of their finances and plan confidently for the future.

Whatever the purpose, the focus has always been on providing clear, personal and trusted advice.

A huge thank you to everyone who has supported the business so far — clients, professional connections and friends who have recommended and encouraged me along the way.

Your support means the world to me 🧡

Year one as a business owner rather than advising in a practice has been all about building strong foundations - complemented by my first compliance review last week which went exactly how I would have wished it to!

I’m excited to continue growing, helping more people make confident financial decisions, and taking their plans to the Nth Degree.

Here’s to year two!

13/03/2026

What is an ISA?



An ISA, (Individual Savings Account) is one of the most popular and tax-efficient ways for UK residents to invest and save for the future.



Investments in an ISA are free of income tax and capital gains tax for the duration of the investment.



Nth Degree Financial Planning 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: 30/1/2026

12/03/2026

With self‑assessment out of the way, lots of directors are taking a fresh look at how they pay themselves.



Dividend tax rates have increased in recent years, and the old “dividends first” approach isn’t always the best fit anymore. Getting the balance right between salary and dividends can also help with things like pensions, benefits and long‑term financial planning.



👉 Find out what’s changed and why it matters: https://partnership.sjp.co.uk/article/detail/sjpp/dividend-vs-salary-why-getting-it-wrong-can-hurt.html



The value of your investment can go down as well as up. You could get back less than you invested.



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



Nth Degree Financial Planning 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 25/2/2026

Dividends vs salary - why getting it wrong can hurt

10/03/2026

It’s always appreciated when a client takes time of their busy day to give feedback.

Thank you 🙏

17/02/2026

Higher-rate taxpayers can unwittingly fall into a 60% tax bracket without realising. But you can take easy and tax-efficient ways to avoid the 60% tax trap this tax year.

12/02/2026

If you’re free in half an hour, grab a coffee and put this on.
I’m sure you’ll take away at least one thing that makes a difference to you!

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...

06/02/2026

Tax year end is fast approaching so it was great to be able to give business owners an insight into some key considerations this morning.