Rodney Spiller Wealth Management Ltd

28/10/2026

Looking after a loved one can bring many demands on your time, energy and attention.

�It’s easy for your own financial plans to take a back seat while you’re focused on supporting others.

�See 👉 the link for some practical tips to help you balance caring responsibilities with your own longer-term goals.

https://lnkd.in/ewWQgvMa

Rodney Spiller Wealth Management Ltd 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 21/09/2026

St. James's Place

15/10/2026

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential changes to pensions through to support for first-time buyers.

Explore some of the proposals currently making the news and why staying focused on your long-term financial goals is often the most effective approach.

Rodney Spiller Wealth Management Ltd 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 06/10/2026
� St. James's Place

With less than four weeks before the chancellor John Healey stands up to give his first Budget, leaks about what might be announced have been few and far between.

08/10/2026

September was World Alzheimer’s Month, a strong reminder of something many families will face. Around 1 in 14 people over 65 in the UK are living with dementia, according to Alzheimer’s Society.

Our friend and Dementia Advocate Gina Awad BEM was on BBC Spotlight this week, talking about the challenges faced by people living with dementia and their families, and some of the important work taking place here in Devon.

A dementia diagnosis can affect the whole family. Alongside the emotional impact and the practical challenges of caring for someone you love, it can bring financial worries and difficult decisions too.
A huge thank you to Gina for the work she continues to do to support people affected by dementia, raise awareness and make sure their voices are heard.

Dementia UK Devonshire Dementia Care

Rodney Spiller Wealth Management Ltd is an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.
SJP approved 6/10/2026

22/09/2026

Could your loved ones easily access the money needed to pay an Inheritance Tax bill?
As changes from April 2027 bring more pension wealth into the scope of IHT, liquidity is becoming an increasingly important part of estate planning.
Discover how whole of life assurance can help provide funds quickly and reduce financial pressure on your family.

👉 https://www.rodneyspillerwm.co.uk/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape.html

Rodney Spiller Wealth Management 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 18/09/2026
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16/09/2026

What happens to your legacy AFTER it’s passed to your spouse?

Assets passing between spouses or civil partners are generally exempt from Inheritance Tax. That can make the position on the first death look reassuring.

🚨But the tax hasn’t necessarily disappeared. If the wealth ultimately needs to pass to children or grandchildren, it’s important to look at what the estate could be worth on the second death.

🔔 Everyone currently has a £325,000 Inheritance Tax nil-rate band.

🔔 There can also be a further £175,000 residence nil-rate band when a qualifying home is passed to direct descendants.

🔔 Unused allowances can potentially transfer between spouses or civil partners, meaning a qualifying couple may ultimately be able to pass on up to £1 million before Inheritance Tax becomes due.

It isn’t quite as simple as saying “we have a £1 million allowance.”

🔔 The residence nil-rate band starts to reduce once an estate exceeds £2 million.

🚨 And from 6 April 2027, most unused pension funds and pension death benefits will also be brought into the estate for Inheritance Tax purposes.

For some families, that could make an estate considerably larger for IHT purposes than they had expected.

Smart estate planning is about where you ultimately want your wealth to end up.

❤️ Love is in the detail.

Make sure you’re leaving a legacy, not a headache for the people you love.
Drop into our office ☕️on Fore Street and let’s talk about what you want your legacy to look like.



The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on individual circumstances.
Rodney Spiller Wealth Management is an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP approved 26/08/2026

09/09/2026

Ok, who actually knows where everything is? 🤔

If something happened to you tomorrow, would your family even know where to look for the financial paperwork?

Where is your Will? Who is your financial adviser? Where are your pension and investment details? Who should they call?

Estate planning is about tax, yes, but it’s also making sure the people you love aren’t left searching through drawers, emails and paperwork at an already difficult time.

Getting organised may be one of the most caring things you can do for them.

Drop into our office on Fore Street in Topsham and let’s see how we can help you get your financial paperwork in order, and of course, look at the tax planning too.

Love ❤️ is in the detail.



Rodney Spiller Wealth Management is an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP approved 25/08/2026

31/08/2026

726 years of Topsham and the town is still going strong 💪

Topsham has just celebrated another awesome Charter Day 🎉

Back in 1300, King Edward I granted Topsham a Royal Charter, giving the town the right to hold a weekly Saturday market and an annual fair!

More than seven centuries later, the tradition lives on!

Fore Street was buzzing!

For us, we love to see Topsham doing what it does particularly well: bringing locals, businesses and visitors together. And it’s an excuse to party!

We’re proud to be based in a town with such a strong sense of identity, history and community.

Congratulations and thank you to everyone who helped make another Charter Day happen.

Here’s to the next 726 years!

Love Topsham Topsham Museum

26/08/2026

Seven years is a long time until it isn’t 🤷🏻‍♀️.

You may have heard of the seven-year rule when it comes to gifting and Inheritance Tax. But there’s one part of the rule that’s easy to overlook.

💡 You need to have seven years.

That means that if you are thinking about gifting in your 80s, you will need to survive a further seven years for it to fall outside your estate for Inheritance Tax. There are exemptions and other rules to consider, so it is not quite as simple as giving money away and starting the clock..but it’s broadly the rule.

The main message is, the earlier you start thinking about what you want to pass on, the more options you may have.

Love ❤️ is in the detail ✍️. Make sure you are leaving a legacy and not a headache for your loved ones.

🏃🏻‍♀️ Drop into our office on Fore Street in Topsham or give us a call, and let’s talk about what you want your legacy to look like.


Rodney Spiller Wealth Management is an Appointed Representative of St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.
SJP approved 25/8/26

06/08/2026

Back in 2023 we launched The Elephant in the Room workshops.

Getting older is a fact of life. So too is that we don’t know what’s around the corner. In over 20 years of helping people plan their finances, we’ve learned that very few of us are comfortable talking to loved ones about the challenges of later life. Yes, it’s the elephant in the room.

That’s why we created the Elephant in the Room lunchtime workshops to break the taboo around talking about later life planning. We actually went on to win an award for our campaign too.

Our advisers spend time with your group, organisation or business discussing the ‘uncomfortable’ openly, touching on the pitfalls around not being ready for the difficult times.

Those with older parents have found our sessions extremely helpful as we highlight urgent actions that we all need to take to ensure the smoothest of times, in the most difficult times.

With new tax rules coming in in April 2027, this could be the difference between leaving a meaningful and tax-efficient legacy for your loved ones, or HMRC becoming the main beneficiary of your estate.

If you’re connected with a group or organisation and can see how one of our lunchtime workshops could help, please contact us to talk further.

Rodney Spiller Wealth Management Ltd 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 6/08/2026