Nth Degree Financial Planning

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!

17/04/2026

A fulfilling retirement doesn’t just happen - it’s built with careful planning and expert advice.

Whether you dream of traveling the world, diving into personal passions, or simply embracing financial freedom, your retirement should be defined by YOU.

The key? A well-thought-out plan with the right guidance to make it a reality.

Let’s start shaping your future. Talk to me today www.nthdegreefinancialplanning.co.uk

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) The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

SJP Approved 15/04/2026

15/04/2026

"Peace of mind is priceless! Did you know I can help you secure your financial future with a range of protection cover?

I specialise in:
• Critical Illness Cover
• Income Protection
• Life Assurance

Don't leave your family's future to chance. Let's discuss the right protection plan for you today! www.nthdegreefinancialplanning.co.uk



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) The St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives.

SJP approved 15/04/2026

03/04/2026

What is Active investing?



Active investing involves fund managers making active decisions over what to invest in.



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

27/03/2026

What is Compounding?



Compounding involves reinvesting the income earned from your investment so your original amount grows and potentially generates additional earnings over time.



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

20/03/2026

What is a Pension?



A pension is a way for individuals to save money during their working years for their retirement later in life, which employers can also contribute to.



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

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.