Finesse Financial Planning Ltd

03/11/2026

Financial markets have a habit of repeating themselves. Every so often, investors become excited about a new technology or industry sector. In response, prices will often rise rapidly, drawing in more buyers and pushing asset prices higher.

These price increases may sometimes be justified. Yet, there will be occasions when there is a dislocation between prices and reasonable fundamental expectations. When this occurs, it can mean that a financial bubble has formed.

Financial bubbles have been present in financial markets for hundreds of years. The growth of railways during the Victorian era, the dot.com sector at the turn of this century, residential property in China’s main cities and cryptocurrencies all exhibited bubble-like behaviour.

The dot.com era is one of the clearest examples of what can happen. Investors rushed into technology stocks. This drove the Nasdaq index up more than sixfold before it suffered a dramatic collapse in March 2000. It took the index another 15 years to recover to its historic peak.

If bubbles follow a familiar pattern, why do they keep happening and why are so many investors caught up in them?

Read more: https://www.finessefinancialplanning.co.uk/article/detail/sjpp/financial-bubbles-great-stories-but-bad-investments

02/11/2026

Tried to cook something new and ended up with a kitchen disaster?

That’s exactly how financial decisions can feel if you’re going in blind. I've seen the stress on people's faces when they realise they’ve stumbled into a financial misstep, like splurging on that shiny new gadget without a second thought. 🎩💸

Learning from experience is great, but learning from someone else’s wobbly cooking (or financial) mishaps? Now, that’s the secret ingredient!

My clients often share a sigh of relief knowing that I’ve been around the financial block a few times, dodging those costly potholes. Whether it’s funding your kid’s school fees without breaking the bank or planning that dream holiday without the stress, I’m here to sprinkle some wisdom along the way.

Think of me as the wise old owl in the financial woods, always ready to hoot an alert before you head off the cliff!

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Finesse Financial Planning Limited 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 28/10/2026

29/10/2026

Chancellor John Healey’s much awaited first Autumn Budget did much as expected – which was to announce a series of small fixes aimed at offsetting rising living costs. In the chancellor’s words, to offer millions some ‘breathing space’.

Read more: https://www.finessefinancialplanning.co.uk/article/detail/sjpp/the-2026-autumn-budget

27/10/2026

For years, pensions have offered a valuable tax advantage alongside retirement income, enabling people to pass on wealth to the next generation. But from April 2027, changes to inheritance tax rules could mean some families face a significantly larger tax bill than they expected.

21/10/2026

Women own more wealth than at any time in history. Money is being earned, created through entrepreneurship, and inherited by women through wealth transfer at a rapidly growing rate.

But for many women there are still significant barriers to growing their wealth and gaining financial security. This is because they must navigate a financial and economic system designed predominantly by men, which often doesn’t reflect their lives.

However, a quiet revolution is happening. With women holding more wealth in their own right, they are beginning to demand a different approach from financial services providers – and from financial advice. While the pace of change is likely to be slow, a shift is on the horizon.

Read more: https://www.finessefinancialplanning.co.uk/article/detail/sjpp/women-and-wealth-a-growing-frontier

21/10/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

For some families, this will make little difference. For others, especially those with larger pension pots or estates, it could mean that more tax is due and less wealth passes to loved ones.

In the coming months, we’ll publish a series of articles exploring what the new rules could mean for people and their estate-planning decisions.

In this article, we explain what’s changing, who may be affected and some practical steps to consider.

Read more: https://www.finessefinancialplanning.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans

21/10/2026

They say money can't buy happiness, but it sure can help you enjoy a pint at the pub! 🍻

No one fancies living like a hermit just to save a few quid for tomorrow. It’s all about finding that cheeky balance between having a laugh today and keeping things secure for tomorrow.

Imagine trying to ride a bike with one wheel. Crazy, right? Just like that bike, your finances need both wheels: enjoying today and preparing for tomorrow.

I often say your savings should be like a well-loved recipe; a bit of fun today, mixed with a healthy dose of future planning. Yes, splurging on that holiday feels fab, but remember, that rainy day is bound to show up at some point! 🌧️

So, how do you keep it all balanced? A touch of thoughtful budgeting and a sprinkle of flexibility can go a long way in making the future brighter while keeping the present enjoyable.

A well-planned life is like a perfectly brewed cuppa – just the right blend! ☕

20/10/2026

Imagine this: you’ve been diligently pouring over your budget each month, giving yourself a well-deserved nod for being savvy with your cash. Your expenses are lined up like ducks in a row. But then you stumble upon fresh ways to shake things up, and it feels like finding a secret shortcut in your favourite game!

Many of us think we’ve cracked the code on budgeting and saving. But a wee adjustment can open the floodgates to better results. It’s like swapping out your old TV remote for one that can control your entire smart home – suddenly, everything’s smoother and way more fun!

A good planner doesn’t just share a few nifty tricks; they also help you look at your finances through a whole new lens. Who knew the key to making things easier could be just beneath the surface?

Feeling confident about your financial processes, or do you see a little room for an upgrade?



Finesse Financial Planning Limited 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 03/09/2026

13/10/2026

Check out this amazing local fireworks event. 🎆❇️🎆❇️

🚨🎆 BURHILL, DON’T MISS OUT! 🎆🚨

🎟️ TICKETS ARE FLYING OUT THE DOOR! 🎟️

We’re selling FAST and fully expect to SELL OUT BEFORE THE DAY! 😱🔥 Don’t risk being left out in the cold (literally!) — get your tickets NOW!

🎇 BURHILL FIREWORKS 2026 🎇
📅 Friday 6th November
📍 Burhill Primary School – Main Gate
⏰ Gates 5pm | Fireworks 6:45pm
🚪 Last entry 6:40pm

🎟️ Adults £10 | Children £6.50 | Under 3s FREE

🍔 Street food & treats
🎸 Live music
⚽ Games & challenges
🎮 Laser tag
🌟 Glow goodies & squishies
🍹 Bar
🎆 PLUS an EPIC fireworks display!

GET YOUR TICKETS BEFORE THEY’RE GONE! Ticket link in bio & stories

29/09/2026

"Why is chasing perfection like trying to catch a cloud? It’s fluffy, elusive, and honestly, it’ll just leave you drenched when it rains! ☔️

Many of us have been there, striving for that flawless outcome. But let’s face it: perfection is overrated and can actually hold us back.

Imagine working on your finances like you’re baking a cake. It’s less about making the fanciest creation and more about adding the right ingredients in just the right amounts.

Progress and consistency? Now, that’s the recipe for success. 👩‍🍳 Just like a cake needs time to rise, our financial goals need patience and regular effort.

Instead of fixating on getting everything perfect – which, spoiler alert, is often impossible – why not focus on small, achievable steps? Even a tiny improvement is still an improvement!

Swap that exhausting chase for perfection with a more realistic pursuit of progress. Remember, it’s the little victories that add up to the big wins! 🎉

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Finesse Financial Planning Limited 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 03/09/2026