Wells & Co Financial Planning

Wells & Co Financial Planning In a world of faceless apps and call centres, we provide the personal touch.

The zero rate band is the portion of an estate that can be passed on without Inheritance Tax under current UK legislatio...
07/09/2026

The zero rate band is the portion of an estate that can be passed on without Inheritance Tax under current UK legislation.

There may also be additional allowances available in certain circumstances, such as the residence nil rate band.

The availability and effectiveness of these allowances depend on individual circumstances and current legislation.

Inheritance Tax rules are subject to change.

Understanding how these thresholds apply can help ensure estates are structured appropriately.,

Professional advice should be sought where appropriate.

This content is for information only and does not constitute financial advice.

Many of us dream big when it comes to financial goals, but what about the bumps we might encounter along the way? 🤔In 'T...
03/09/2026

Many of us dream big when it comes to financial goals, but what about the bumps we might encounter along the way? 🤔

In 'The Psychology of Money', Morgan Housel reminds us that a touch of realism mixed with our optimism is key. This is something I share with clients regularly. It’s essential to plan for not just growth, but also those unplanned challenges.

How do you balance your expectations with potential setbacks?

There are early signs of change in how younger women are engaging with financial planning.St. James’s Place’s Women and ...
01/09/2026

There are early signs of change in how younger women are engaging with financial planning.

St. James’s Place’s Women and Wealth report, carried out by Opinium, shows that 44% of women aged 18–34 have a financial plan in place, compared with lower levels among older age groups.

The findings suggest a shift in engagement that may develop over time, although the overall picture remains mixed. Read the full report: https://www.sjp.co.uk/individuals/how-can-we-help/tools-information/financial-health-report

On behalf of St. James’s Place, Opinium surveyed 6,000 UK adults between 17 March and 9 April 2026. The data is weighted to be representative of the UK adult population.

Wells & Co. Financial Planning is an Appointed Representative of and represents only St. James's Place Wealth Management plc (authorised and regulated by the Financial Conduct Authority).

SJP Approved 22/06/2026

Losing a partner, a parent, or going through a divorce, are among the most difficult life experiences you can face. It c...
28/08/2026

Losing a partner, a parent, or going through a divorce, are among the most difficult life experiences you can face. It can happen quickly too, without much warning. Not only will there be strong and complex emotions to deal with, but for many women it means a sudden and significant change to their finances.

For some women it might be the first time they’ve had to manage a property, investments, or a large sum of cash on their own.

Making decisions about your wealth at such pivotal points in life can be stressful and overwhelming. So how can women be confident they’re making the right choices for their future when their finances change
overnight?

Read more: https://partnership.sjp.co.uk/barrywells/article/detail/sjpp/when-finances-change-overnight-inheritance-divorce-and-new-responsibilities

Talking about money shouldn't be a taboo subject. In fact, it opens the door to understanding and trust, especially amon...
26/08/2026

Talking about money shouldn't be a taboo subject. In fact, it opens the door to understanding and trust, especially among younger clients or couples.

Whether it’s discussing savings for a future holiday, planning for children’s education, or setting up a solid retirement plan, bringing money conversations into the open helps build understanding.

Have you found ways to start money talks with those closest to you?

Feeling a bit lost in financial decisions? You're definitely not the only one. Personalised financial advice can really ...
25/08/2026

Feeling a bit lost in financial decisions? You're definitely not the only one. Personalised financial advice can really help clear things up.

When your financial plan matches your life goals, it takes away some of that stress and helps you feel more secure. Suddenly, you're in a much better position to enjoy the things you love, from spending time with family to exploring your hobbies.

How has being more aware of your finances changed your day-to-day life?

What happens when AI gets a body?Unitree Robotics, a Chinese maker of humanoid robots, staged a successful listing in Sh...
24/08/2026

What happens when AI gets a body?

Unitree Robotics, a Chinese maker of humanoid robots, staged a successful listing in Shanghai last week, with its share price rising 460% on its first day of trading. The company recently unveiled “Superman”, able to jump two metres and run at over twelve metres per second. While profitable, traditional metrics reveal Unitree to be highly valued, trading on a historic price-earnings ratio of 900x and a price-to-sales ratio of 147x. Despite this, the company’s $50 billion-plus value reflects high expectations as investor attention in AI widens beyond software-based large language models (LLMs), semiconductors and cloud storage to physical applications. Read more: https://partnership.sjp.co.uk/barrywells/article/detail/sjpp/weekwatch-24-08-2026

Feeling confident about your finances can make all the difference. 📈 When you believe in your financial choices, you're...
20/08/2026

Feeling confident about your finances can make all the difference. 📈

When you believe in your financial choices, you're more likely to make informed decisions that align with your goals. Saving for a family holiday or planning for retirement can be less daunting when you understand your options.

Building financial confidence isn't just about the numbers; it's about feeling secure and knowledgeable.

How do you feel confident in your financial decisions?

How do you make a financial plan, when the world is so uncertain? With the Iran-US conflict now in its sixth month, a fl...
20/08/2026

How do you make a financial plan, when the world is so uncertain? With the Iran-US conflict now in its sixth month, a flurry of reports of a possible peace deal, swiftly followed by a resumption in hostilities, have left investors baffled as to what happens next. With no sign of an end to the ‘on again, off again’ status, we look at how best to survive recent – and ongoing – volatility.

When the US and Israel first launched strikes on Iran in late February, the global economy faced a fresh bout of uncertainty. With its ability to potentially close all shipping through the Strait of Hormuz, a key transit route for a significant share of the world's oil and fertiliser exports, there was an initial jump in energy prices.

There were widespread concerns about the impact of the conflict on price rises, particularly as inflation was already above its long-term target in numerous developed market economies.

Read more: https://partnership.sjp.co.uk/barrywells/article/detail/sjpp/keeping-perspective-as-the-iran-conflict-resumes

"Buying your first home can be a bit nerve-wracking, can’t it? Help to Buy ISAs and Lifetime ISAs might just ease that p...
19/08/2026

"Buying your first home can be a bit nerve-wracking, can’t it? Help to Buy ISAs and Lifetime ISAs might just ease that process a little.

With a Help to Buy ISA, there’s a nice 25% government bonus on your savings to bump up your deposit – perfect if you’ve got your eye on a specific property.

The Lifetime ISA also gives you a government bonus, but it’s flexible enough to help with retirement too.

Do keep in mind that both have limits and some specific requirements.

Have you thought about how these ISAs could fit into your plans? "

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Winchester
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