Life expectancy has significantly increased over the years. So, it’s important to have a savings plan in place for later life – no matter what age you start, nor how long you live.

In the next six months, one in five of us will actively seek advice on planning our retirement. But Chapter Five of SJP’s landmark survey, conducted by Opinium, the Real Life Advice Report: Advice Priorities, asks if we’re leaving it too late to make a start?

More than one in two of us will face situations of increased financial vulnerability in our lives. Yet, according to Chapter 4 of SJP’s Real Life Advice Report, more than half of us shy away from asking our financial advisers for support when we’re struggling.

After a close fought race, Donald Trump is poised to become the 47th President of the United States. Here SJP’s investment team outlines their views on the market implications.

We can't predict our future, but we can prepare for it. Protecting your family, your lifestyle and your assets brings peace of mind that whatever happens, everything you care about is properly safeguarded.

Rachel Reeves has delivered her first Budget as Chancellor, and the first Labour Budget in 14 years. It brings some clarity and certainty following many weeks of speculation. The Government has had to balance a challenging fiscal situation with a plan to invest for the future and for growth.

Chapter 3 of SJP's Real Life Advice Report conducted by Opimium on our behalf[1]: The Advice Relationship confirms that consumers value a trusted, longstanding relationship with their adviser above all else.

Choosing whether to hire permanent staff or use contractors is a critical decision for expanding businesses.

As a personal-injury and medical-negligence lawyer, it’s important to know how an expert financial adviser can help claimants, offering additional emotional support as well as guidance on making the most of a settlement

For businesses today, it’s no longer about growth at all costs. In an ever-tougher market environment, you need to focus on improving the elements that make up corporate quality, from efficiency to wider purpose including Environmental Social Governance.

Energy prices look set to rise again, and there may be tax rises on the horizon too. If the going gets tough this Autumn, the smart move is to seek financial advice.

With the new government’s first Budget scheduled for 30 October, we’re starting to hear some hints and theories about what may be included in the statement. What any changes will actually mean for everybody is yet to be fully understood and, unless there are significant leaks in advance, we won’t know the detail until the day. But it pays to keep abreast of speculation.

SJP's largest consumer survey, the Real Life Advice Report carried out by Opinium examines the UK population's relationship with financial advice.

Professional-services specialists, such as accountants and lawyers, need to know their finances align to the sensitivities of their work. Here’s how the right adviser can help.

A key employee dies or suffers a critical illness, your business could be seriously impacted. We explore how insurance can mitigate the risks.

Is it better to save or to invest your money? Each can support your financial wellbeing and future goals, but in different ways. We look at the differences, the pros and cons, and what it means for you and your family.

How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.

The cost of social care can not only eat away at your own funds – it can also affect how much money you can pass on, too. Financial advice can help you create a plan that strengthens the financial wellbeing of your whole family.

How much do you need to retire? The cost of a comfortable pension has risen again in the last 12 months. As part of Pension Awareness Week, we look at what a happy and enjoyable retirement might cost you.

In recent years, the UK stock market has experienced a relative decline in popularity, overshadowed by more favoured markets, such as the US. This shift has prompted a renewed focus on valuations and raises the question of whether UK stocks are ripe for rediscovery.

For busy professionals such as lawyers and accountants, finding time to review your long-term financial plans could prove a challenge. However, working with an adviser can be both time and cost efficient.

If more than one generation of your family is retired, it may be time to rethink the family finances.

Making a voluntary contribution to your State Pension pot could be an efficient way to put money towards your retirement, but it’s important to consider all the implications.

The secret of successful saving for your children is to start early.

We are thrilled to announce that our 24 hour Charity Sparathon, raising money for Rowcroft Hospice, was a huge success. Over the course of the event, we raised over £2000. We hope that this contribution will make a real difference in the lives of those in need of care, and the families that are going through difficult times.

Are you tax-ready for the new tax year? Find out how to make sure your savings and investments are as tax efficient as possible by using every available allowance and exemption.

Help out more than one generation of your family with tax-smart investing.

Are you tax-ready for the new tax year? Find out how to make sure your savings and investments are as tax efficient as possible by using every available allowance and exemption.

With family finances still stretched, you need every investment to work as hard as possible. You still have time to check your mix of Cash and Stocks and Shares ISAs before tax year-end, to make sure it’s working as hard as it could.

Nobody wants the taxman to be their biggest beneficiary. Find out how you can reduce your Inheritance Tax bill – and leave more to your family.

This year's Spring Budget arrived a tad earlier than usual amidst a backdrop that's become all too familiar in recent years: rampant speculation and anticipation.

Diversification is a relatively simple concept. By not putting all your eggs in one basket, your investments stand a better chance of achieving smoother and more consistent returns. This is achieved by spreading your money across a selection of asset types, countries and sectors that do well at different times. It is a powerful tool to reduce investment risk and help you to achieve your long-term investment goals.

How can you leave a meaningful legacy to your family and cut your Inheritance Tax bill after you’ve gone? By wising up to estate planning.

Making tax-smart decisions by tax year-end can make a real difference to the pension pot you can look forward to.

With family finances still stretched, you need every investment to work as hard as possible. Reviewing your mix of Cash and Stocks and Shares ISAs ahead of tax year-end makes sense for your short-and long-term plans.

Ever felt flummoxed by the amount of jargon around financial planning? Here are the top seven tax terms you need to know.

Why we expect our fund managers to consider a wide variety of risk factors and opportunities in their investment decision making.

Jeremy Hunt announces the Autumn Statement today, but what does it mean for your money?

The working capital cycle – the time from purchasing inventory or raw materials and converting it into cash – is crucial to your business’s growth. We explain why new firms must get to grips with the cycle and how to speed it up

Financial pressures look set to continue. Smart planning can help you retain control.

Growing your business requires careful cash management to allow you to take advantage of new opportunities.

Whatever your retirement goals, your pension plays a key role in funding them. We look at the different options for accessing your savings to help you enjoy the retirement you want.

Debt isn’t choosy. Any one of us could find ourselves in vulnerable circumstances, but a financial adviser can give practical, sensitive advice to help you get back on track financially and restore your confidence.

The proceeds from selling your business may secure your financial future – so take the time to think about your legacy to loved ones, too.

Pension Awareness Week is back. Here’s some insight into what a happy and enjoyable retirement will cost you.

How a balanced portfolio of investments could be key to keeping ahead of inflation

Tax reliefs can improve cash flow for a young firm. But they’re often complex and misunderstood, so taking advice is important.

Under 40 and thinking about buying your first house, or building your pension pot? Could a Lifetime ISA be the answer?

What the current investment landscape might mean for the rest of 2023.

The secret of successful saving for children is to start early.

Sponsorship for young Torbay Athlete

Failing banks and persistent inflation didn’t stop a relatively positive first quarter from an investment perspective

Planning what will happen to your estate isn’t always simple – here’s some expert advice on what to do if your situation is complicated.

As we go into a new tax year, now’s the time to make sure your savings and investments are set up as tax-efficiently as possible. That means using every available allowance and exemption.

With inflation still high and taxes unlikely to be lowered any time soon, using tax-efficient wrappers such as pensions and ISAs will help your money go further.

The changes and what they mean for financial planning strategy

Coming up to retirement and not sure of the best way to take your retirement income? These are the key tax-traps to avoid.

SJP’s latest Financial Health Index has highlighted the lack of financial wellbeing across the UK – and a widening north-south divide. A big part of the solution is improved financial education

As Corporation Tax hikes loom in April, now’s the time to revisit your business’s financial plans.

The UK’s tax system is complicated, but getting professional tax advice is a tax-smart investment.

Understanding the common reasons why business loans are declined – and ensuring they don’t apply to you – could improve your chances of success.

Soaring inflation means the amount of money needed to enjoy later life has risen dramatically, but we can help you keep your retirement plans on track.

Ever felt mystified by the amount of jargon around financial planning? Here are our top seven terms explained.

Regular checks will help you to respond to changes in tax policy and ensure you don’t miss out on any opportunities

Having protection in place if an illness or injury prevents you from working could free up savings to help you reach the financial future you want

Getting on top of Capital Gains Tax, or CGT is an important part of managing your money and assets as tax-efficiently as possible.

Amid inflation and energy price rises, many young people are struggling to make ends meet – and parents are making up the shortfall. What does that mean for your tax plans?

Cash-flow problems can be fatal for SMEs. We take a look at some of the ways to avoid them – even in a tough economic period

Preparing for Inheritance Tax and looking for the best way to pay the least? Discover how to leave more of your money to those you love.

Higher-rate taxpayers can unwittingly fall into a 60% tax bracket without realising. But you can take easy and tax-efficient ways to avoid this before tax-year end.

Making tax-smart decisions in good time for tax-year end can make a real difference to the pension pot you have when you retire.

Scaling back on pension savings might seem like an easy fix for short-term challenges, but don’t lose sight of your future

Are you still getting good value from your Cash ISAs? Reviewing your mix of Cash and Stocks and Shares ISAs is a good course of action ahead of tax-year end.

For businesses today, it’s no longer about growth at all costs. In an ever-tougher market environment, you need to focus on improving the elements that make up corporate quality, from efficiency to ESG

Our tax-year end tax allowance check list below helps you lay the foundations for your financial future, and makes sure you’re up to date with all the allowances you could be using.

Philanthropic giving can be a tax-efficient way to put your hard-earned money to good use

Tax matters touch nearly every aspect of your finances, so optimising tax reliefs and allowances as part of a holistic financial plan is key

Getting into good tax habits means you have more confidence and control over your money, and your financial wellbeing.

With reductions in tax reliefs and allowances looming for 2023/4, now’s a good time to check in with us to ensure you’re taking maximum advantage of them in this tax year

Retaining senior talent is a challenge for many growing companies. Offering flexible, tailored pension schemes is a good way to keep your executives on board

The Retirement Living Standards explain exactly what a happy and enjoyable retirement will cost you.

Gifting cash or valuable assets to your nearest and dearest this Christmas could save you a significant amount of tax.

Multi-asset funds offer the opportunity to access a diversified investment portfolio with just one fund, so could they be the right choice for you?

The UK is now in a recession but keep calm – having a clear idea of your investment goals and talking to us will help you ride it out

Understanding money and how to use it wisely can start in the earliest school years

Is it better to save or invest? It all depends on what you want to achieve. We look at the differences and what they mean for your future finances

Today, the Chancellor of the Exchequer, Jeremy Hunt stood up to present the Autumn Statement and medium-term fiscal plan to Parliament.

The pressures of energy security and affordability are increasing the challenges on policymakers working towards net zero. We look at what this means for responsible investment

You never know when life will throw you a curveball, but by planning ahead and taking regular advice, you can keep your finances on track

A key employee dies or suffers a critical illness, your business could be seriously impacted. We explore how insurance can mitigate the risks

Aaron Lansberry, England Golf Coach of the Year 2019, explains how a trusted expert, smart goal setting and regularly reviewing performance can give confidence to golfers and investors

Markets jittery after mini budget

In the face of short-term volatility, disciplined research and decision making are more important than ever

Should you stick, sell, or buy after a crash? Duncan Lamont, Schroders’ Head of Research and Analytics, looks to 148 years of stock market history for potential answers.

With the pandemic fading and markets and potential customers opening up again, now could be the time to start growing your business. But what happens when a company expands too fast?

As the tax burden on Britons is set to reach its highest level since the 1950s, it’s increasingly important to use your tax-efficient pension and ISA allowances

Follow these simple rules to give your pension pot a boost

For many entrepreneurs, personal wealth and company wealth are intertwined, so keeping on top of your finances is vital

We look at the best ways of helping your loved ones benefit from your wealth after you’ve gone by cutting your estate’s tax bill

The end of the tax year shouldn’t mean an end to tax planning. Use the reliefs and allowances available to you throughout the year to get the most from your money