Glos & Wilts Financial Planning

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Based in the heart of Gloucestershire and Wiltshire, Glos & Wilts Financial Planning, we help our clients build secure financial futures through personalised, strategic advice.

Millions of UK savers are doing the right thing by putting money aside.But many are stopping one step short.Recent resea...
28/04/2026

Millions of UK savers are doing the right thing by putting money aside.

But many are stopping one step short.

Recent research highlights a clear pattern. Around 10 million people say they’re interested in investing, yet don’t take action. For many, it’s not about a lack of money. It’s uncertainty.

Investing can feel complex. It can feel unfamiliar. And for some, it still feels like something “other people” do.

What’s interesting is how much of a difference simple conversations can make. Nearly 40% of savers say they’d be more likely to invest after talking about it with someone they trust. Yet most people rarely discuss investing at all.

That gap between interest and action is where the opportunity lies.

Clear, relatable examples and everyday language can help make investing feel more accessible. Breaking long-term goals into smaller steps can also make the journey feel more manageable.

Ultimately, helping people feel more confident and comfortable is key to changing behaviours over time.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/strong-uk-savings-culture-but-persistent-investment-gap

Welcome to the latest issue of our CIO quarterly insights newsletter from CIO Justin Onuekwusi.So far, 2026 has been a y...
21/04/2026

Welcome to the latest issue of our CIO quarterly insights newsletter from CIO Justin Onuekwusi.

So far, 2026 has been a year of unexpected but persistent turmoil. This followed a relatively smooth end to 2025 for markets and investors. While I previously warned that investors should brace themselves for a correction - and that such corrections are also normal - few of us could have anticipated what lay ahead with the Iran conflict.

Like many, I am deeply conscious of the human impact of recent events, particularly for those with family or close connections affected by the conflicts across the world.

As Chief Investment Officer, at St. James Place it is my team’s priority to support our clients, Partners and colleagues. If recent market developments are concerning you with respect to staying on track with your financial goals, I would encourage you to speak with us or your usual contact.

Periods of uncertainty can often be catalysts for change. Right now, companies, indeed whole sectors, are adapting to shifting global trading patterns and navigating a more complex geopolitical backdrop.

The decision by the US and Israel to go to war with Iran at the end of February has seen substantial geopolitical turmoil. The conflict has spread across the wider region and for investors there is a heightened sense of uncertainty.

But what should we take from these events? Amid the noise, it is worth repeating that this situation calls for perspective rather than prediction. Reflection not reaction.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/cio-investment-insights-volatile-conditions-resilient-decisions

The new tax year is underway, and while many changes were expected, some could still have a meaningful impact.Dividend t...
16/04/2026

The new tax year is underway, and while many changes were expected, some could still have a meaningful impact.

Dividend tax rates have increased, Business Asset Disposal Relief has been reduced, and the rollout of Making Tax Digital introduces new reporting requirements for many.

At the same time, frozen thresholds continue to quietly shift more people into higher tax bands over time.

Looking ahead, further changes are already on the horizon, including updates to ISAs, pensions and property taxation from 2027.

With multiple moving parts, it’s a useful moment to take stock and understand how these changes may affect your wider financial plans.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/new-tax-year-round-up-of-rate-and-allowance-changes

Markets have shown how quickly sentiment can shift.A temporary ceasefire helped equities recover, with major indices reg...
15/04/2026

Markets have shown how quickly sentiment can shift.

A temporary ceasefire helped equities recover, with major indices regaining much of their recent losses. But beneath the surface, uncertainty remains. Energy prices, inflation expectations and consumer confidence are all moving in different directions.

Moments like this can feel encouraging, but they also highlight how reactive markets can be to short-term developments.

While volatility often dominates headlines, it’s worth remembering that markets have navigated similar periods before. Sharp movements, whether up or down, are a normal part of investing.

The focus for many investors remains on staying disciplined, rather than reacting to each new development.

The value of investments may fall as well as rise, and you may get back less than you invested

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/weekwatch-13-04-2026

The non-dom tax regime has undergone significant change.Since April 2025, foreign income and gains for former non-doms a...
09/04/2026

The non-dom tax regime has undergone significant change.

Since April 2025, foreign income and gains for former non-doms are now taxed in line with UK residents, with the remittance basis no longer available. At the same time, inheritance tax rules have shifted to a residency-based system, bringing more global assets into scope for long-term UK residents.

While transitional reliefs exist, including the four-year FIG regime and temporary repatriation facility, the overall direction is clear – tax treatment is becoming broader and more aligned with standard UK rules.

For many, these changes may have implications for how overseas wealth is structured and managed over the long term.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/non-dom-tax-changes-why-planning-is-vital

Global events can quickly ripple through everyday life.Recent disruption in the Strait of Hormuz has highlighted how rel...
07/04/2026

Global events can quickly ripple through everyday life.

Recent disruption in the Strait of Hormuz has highlighted how reliant the global economy is on key shipping routes. From oil supply to manufactured goods, even small interruptions can influence prices, supply chains and inflation.

Major trade corridors such as the Suez Canal, the English Channel and the Panama Canal each play a critical role, but also carry their own vulnerabilities – whether geopolitical, operational or environmental.

It’s a reminder that events happening thousands of miles away can have a direct impact on costs closer to home.

The value of investments may fall as well as rise and you may get back less than invested.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/the-busiest-shopping-lanes-in-the-world

Business owners are no strangers to uncertainty.Recent global events have shifted sentiment, with many SMEs moving from ...
26/03/2026

Business owners are no strangers to uncertainty.

Recent global events have shifted sentiment, with many SMEs moving from cautious optimism to a more uncertain outlook. Rising costs, geopolitical tensions and economic unpredictability continue to shape the environment.

Yet over the past few years, UK businesses have adapted to significant disruption – from Brexit to Covid-19 and beyond. Many are now leaner, more data-driven and better equipped to respond to change.

While external factors remain outside of control, clarity around personal and business goals can help provide direction. Understanding what your business needs to deliver to support long-term plans is becoming increasingly important in a more volatile world.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/business-owners-from-optimism-to-uncertainty-in-a-volatile-world

The value of investments may fall as well as rise and you may get back less than invested.

The tax landscape for furnished holiday lets has changed significantly.Since April 2025, the preferential tax treatment ...
24/03/2026

The tax landscape for furnished holiday lets has changed significantly.

Since April 2025, the preferential tax treatment has been removed, meaning income and gains are now taxed in line with other rental properties. This includes changes to mortgage interest relief, capital allowances and capital gains tax treatment.

Looking ahead, further pressure is expected. Property income tax rates are set to rise from April 2027, while income tax thresholds remain frozen. At the same time, new reporting requirements under Making Tax Digital will introduce more frequent record-keeping for many landlords.

For some investors, these changes may alter how property fits within their wider financial plans.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/owners-urged-to-review-holiday-lets-as-tax-changes-bite

🥶 Frozen tax thresholds and rising inflation mean many people are feeling a greater tax burden than in previous years.Fo...
12/03/2026

🥶 Frozen tax thresholds and rising inflation mean many people are feeling a greater tax burden than in previous years.

For those whose earnings have grown over time, moving into higher income tax bands has become increasingly common, making awareness of available allowances more important.

Here, we outline 5 key allowances individuals may be able to use before the end of the tax year on 5th April.

🔗 https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/five-allowances-to-use-before-tax-year-end

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

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 02/03/2026

Salary or dividends – is the old formula still the most efficient?With dividend tax rates rising, allowances reduced and...
05/03/2026

Salary or dividends – is the old formula still the most efficient?

With dividend tax rates rising, allowances reduced and income tax thresholds frozen, the traditional “dividends first” approach is no longer automatically the most tax-efficient option for company directors.

The mix you choose doesn’t just affect this year’s tax bill. It can influence pension build-up, state benefit entitlement, mortgage affordability and long-term financial planning. In some cases, increasing salary may provide stronger long-term protection, even if the immediate tax saving appears lower.

As always, the right balance depends on individual circumstances and wider financial objectives.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Read more: https://www.glosandwiltsfinancial.co.uk/gloswiltsfp/article/detail/sjpp/dividend-vs-salary-why-getting-it-wrong-can-hurt

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Glos & Wilts Financial Planning
Swindon
SN58UB

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+447527704045

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