Adams & Bowles Wealth Management Ltd

Adams & Bowles Wealth Management Ltd Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Adams & Bowles Wealth Management Ltd, Financial service, Suite 1, 30 Churchill Square, Kings Hill, West Malling.

Welcome to Adams & Bowles Wealth Management, we provide bespoke face to face financial advice to individuals and businesses across London and the South East of England.

Well done Amy for this fantastic feedback we received through Making clients feel comfortable and safe is an important ...
02/06/2026

Well done Amy for this fantastic feedback we received through

Making clients feel comfortable and safe is an important part of the journey for us at Adams & Bowles.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Planning for the future isn’t about predicting exactly what happens next. It’s about creating flexibility and putting yo...
29/05/2026

Planning for the future isn’t about predicting exactly what happens next. It’s about creating flexibility and putting yourself in a position where you have choices when life changes.

Whether that’s retiring earlier, helping family financially, reducing tax exposure or simply creating greater security, the decisions made today often determine the options available later.

The strongest financial plans are rarely built overnight. They are the result of consistent decisions made over many years.

The Pensions Commission has warned that 15 million people across the UK are not saving enough for retirement.In an inter...
26/05/2026

The Pensions Commission has warned that 15 million people across the UK are not saving enough for retirement.

In an interim report published last week, the government-backed Commission highlighted the key challenges facing the current system. Low and middle earners, the self-employed and women are among those groups most at risk of inadequate pensions, it said. This is because they are failing to save enough for retirement.

The report also revealed that around 18 million people, equivalent to 45% of working age adults, are not saving into a pension. In addition, only 4% of the self-employed are saving for retirement.

The Pensions Commission will publish its final report in early 2027.

In its recently published Financial Health Report 2026, the fifth in the series, St. James's Place found cost of living pressures have caused a drop in financial resilience among UK households.

The survey, conducted by Opinium among 6,000 adults, found fewer people now describe themselves as financially comfortable, compared to 12 months ago (37% in 2026 compared to 42% in 2025).

The earlier savings and investments begin, the longer they have to grow. Whether the goal is helping with university cos...
22/05/2026

The earlier savings and investments begin, the longer they have to grow. Whether the goal is helping with university costs, supporting a first property purchase or building longer-term financial security, starting early can make a significant difference.

For the 2026/27 tax year:
• Children can receive up to £9,000 into a Junior ISA
• Up to £2,880 can be contributed annually into a child pension, automatically increased to £3,600 with basic rate tax relief
• Children also benefit from their own tax allowances

Many grandparents are also considering these strategies as part of wider estate planning, particularly where gifting allowances and surplus income exemptions may apply.

The right structure depends on the family’s objectives, timescales and how much control is needed over when funds become accessible.

The value of an investment may fall as well as rise. You may get back less than you invested.

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

This week is Dementia Action Week, a reminder that planning ahead matters, not just financially, but personally too.Fina...
21/05/2026

This week is Dementia Action Week, a reminder that planning ahead matters, not just financially, but personally too.

Financial planning often focuses on growth, retirement and tax efficiency. But some of the most valuable planning revolves around protecting your ability to make decisions in the future.

A Lasting Power of Attorney is one of the most important legal documents many people never get around to arranging.

Research shows people who have LPAs in place often report a strong sense of relief afterwards, knowing future decisions and responsibilities are clearer for their families.

Whether through illness, dementia or an unexpected accident, losing mental capacity can affect anyone. Having the right arrangements in place early helps avoid uncertainty later on.

These conversations are never easy, but they are incredibly important.

Powers of Attorney involve the referral to a service that is separate and distinct to those offered by St. James's Place and are not regulated by the Financial Conduct Authority.

It was a pleasure to provide Aylesford Bulls RFC with their new post protectors. They look great! 👏 Repost: A huge than...
15/05/2026

It was a pleasure to provide Aylesford Bulls RFC with their new post protectors. They look great! 👏

Repost: A huge thank you to Adam & Bowles Wealth Management for kindly providing our brand new post protectors which we’re proudly put to work on Pitch 1 last Saturday!

We’re extremely grateful for your continued support, Adam & Bowles 🙏

Recent findings from St. James’s Place’s 2026 Financial Health Report paint a clear picture: households with a financial...
15/05/2026

Recent findings from St. James’s Place’s 2026 Financial Health Report paint a clear picture: households with a financial plan are consistently in a stronger position than those without one.

On average, households with a plan reported wealth of £157,416, compared to £70,610 for those without. Even more strikingly, those with a financial plan were three times more likely to say their financial situation had improved over the past year.

At a time when tax complexity, rising costs and economic uncertainty continue to dominate headlines, having structure and direction matters more than ever.

Good financial planning doesn’t remove uncertainty altogether, but it can help people feel more confident, more resilient and better prepared for whatever comes next.

You can read the full report here:
https://www.adamsandbowleswm.co.uk/article/detail/sjpp/financial-health-report-financial-resilience-falls-but-a-plan-can-boost-confidence.html

There’s a common assumption that protection planning is primarily about replacing income.In reality, it’s often about pr...
12/05/2026

There’s a common assumption that protection planning is primarily about replacing income.
In reality, it’s often about protecting momentum.

• The momentum of a family lifestyle.
• The momentum of a growing business.
• The momentum of long-term plans that are already in motion.

Unexpected illness or loss can interrupt far more than finances alone, which is why protection deserves proper consideration as part of a wider financial strategy.

When the right plans are in place, difficult situations become far more manageable, financially and emotionally.

We are delighted to see our posters displayed around the Aylesford Bulls club house! As well as sponsoring the club, Ada...
07/05/2026

We are delighted to see our posters displayed around the Aylesford Bulls club house! As well as sponsoring the club, Adams & Bowles help members and players with all aspects of financial planning from health and life assurance to retirement and succession planning.

The value of an investment may fall as well as rise. You may get back less than you invested.

Aylesford Bulls RFC

Money worries are more common than many realise. Recent research shows that more than half of UK adults say financial co...
01/05/2026

Money worries are more common than many realise. Recent research shows that more than half of UK adults say financial concerns impact their mental wellbeing .*

Even among higher earners, financial complexity can create uncertainty. Not knowing whether everything is structured efficiently or whether you’re making the most of what you’ve built.

A clear financial plan brings structure. It helps answer the questions that often sit in the background and removes the need to second guess decisions.

When there’s clarity, there’s less noise. And with that, a greater sense of control.

*Source: Vitality, Why talking about money matters for your mental health, Nov 2025.

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Suite 1, 30 Churchill Square, Kings Hill
West Malling
ME194YU

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