Timing your business sale: November 2025 vs June 2026 – What’s the financial difference? Business owners looking to sell their business will face higher tax rates from April of next year – so could it be worth considering bringing a planned sale forward?

Business owners looking to sell their business will face higher tax rates from April of next year – so could it be worth considering bringing a planned sale forward?
#sovereign #wealthmanagement #businessowner
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Budget 2025: Beware of the rumours As Chancellor Rachel Reeves prepares to unveil her second Budget next month, there’s plenty of speculation about what could be announced. Yet experience shows us that making decisions based on unfound...

As the Chancellor prepares to unveil her second Budget, there’s plenty of speculation. Yet experience shows us that making decisions based on unfounded rumours can often lead to unintended consequences
#sovereign #wealthmanagement #budget
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CIO Investment Insights: From Old Trafford to Wall Street - the case for staying the course Welcome to the latest issue of Justin Onuekwusi, our CIO, quarterly insights.

Welcome to the latest issue of Justin Onuekwusi, our CIO, quarterly insights.
#sovereign #wealthmanagement #insights
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What could the Autumn Budget mean for growing SMEs? Thinking ahead with head, heart and hand Rachel Reeves’s Autumn Budget could unveil plenty of changes for business owners. The government has already said it will use the fiscal event on 26 November to deliver an update on reforming business...

For small and medium-sized enterprises (SMEs) thinking about expansion, the Autumn Budget should arguably be used as more than just a policy update. It’s also a moment to pause, reflect and prepare for what’s next.
#sovereign #wealthmanagement #budget
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Protect your estate: strategies to reduce inheritance tax You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.

You've worked hard for wealth, so why not protect it? Find out how you can protect your estate, lower your IHT liability and pass on more money to your loved ones.
#sovereign #wealthmanagement #IHT
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Living to age 100: How to make your pension last longer More of us are reaching our 100th birthdays than ever before. While a letter from the King may seem exciting, funding a long and comfortable retirement requires careful planning. We explore what you n...

More of us are reaching our 100th birthdays than ever before. We explore what you need to consider to ensure your pension savings can stretch across 35 years or more.
#sovereign #wealthmanagement #retirement
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Seven pension myths busted: What savers often overlook about their retirement pot Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, we break down seven of the most common misconceptions holding people back from maximising their retirem...

Pension myths can catch out even the most experienced savers. As part of Pension Awareness Week, we break down seven of the most common misconceptions holding people back from maximising their retirement savings.
#sovereign #wealthmanagement #retirement
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Everything you need to know about tax in retirement Do you, or don’t you, have to pay tax in retirement? Some of your income may be taxable, and some may be tax-free. These are the key tax traps you should know about to stay on top of your taxes.

Do you, or don’t you, have to pay tax in retirement? Some of your income may be taxable, and some may be tax-free. These are the key tax traps you should know about to stay on top of your taxes.
#sovereign #wealthmanagement #retirement
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In an age of US and tech dominance does diversification still matter? Against a backdrop of heightened trade tensions with both allies and historic competitors, the US continues to dominate global equity markets. Driven by AI, a handful of technology companies have been...

Against a backdrop of heightened trade tensions with both allies and historic competitors, the US continues to dominate global equity markets. Does this dominance reduce the need for diversification?
#sovereign #wealthmanagement #investing
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How to reduce your Inheritance Tax bill Nobody wants HMRC to be their biggest beneficiary. Find out how you can reduce your IHT bill – and leave more to your family.

Nobody wants the HMRC to be their biggest beneficiary. Find out how you can reduce your Inheritance Tax bill – and leave more to your family.
#sovereign #wealthmanagement #IHT
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Navigating the impact of the changes to tax reliefs for farm owners More than 6,000 agricultural, forestry and fishing businesses have closed in the past 12 months according to the Office for National Statistics, as concerns over changes to tax reliefs mount. The gove...

More than 6,000 agricultural, forestry and fishing businesses have closed in the past 12 months according to the Office for National Statistics, as concerns over changes to tax reliefs mount.
#sovereign #wealthmanagement #farmers
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Investing - the skill in doing (almost) nothing As humans, we’re biologically wired to react when we observe change. Yet when it comes to investing, this is often the opposite of what investors should do. Instead, blocking out this external noise i...

As humans, we’re biologically wired to react when we observe change. Yet when it comes to investing, blocking out this external noise is often the foundation of long-term success.
#sovereign #wealthmanagement #investing
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What's the cost of a comfortable retirement? How much do I need to retire? By the time we reach 55, many of us begin to prioritise pension planning, and this question often tops our minds. With inflation rates still see-sawing, and interest rate...

How much do I need to retire? By the time we reach 55, many of us begin to prioritise pension planning, and this question often tops our minds. We explore the financial aspects of what a fulfilling retirement may require.
#sovereign #wealthmanagement #retirement
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Mastering business growth: Your essential guide to finances and funding Finances and funding are a vital aspect of successfully growing your business. Martin Brown, CEO of business growth advisory Elephants Child*, explores some key questions business owners have on this ...

Finances and funding are a vital aspect of successfully growing your business. Martin Brown, CEO of business growth advisory Elephants Child, explores some key questions business owners have on this topic.
#sovereign #wealthmanagement #business
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How you can beat the 60% tax trap Higher-rate taxpayers can unwittingly fall into a 60% tax bracket without realising. But you can take easy and tax-efficient ways to avoid the 60% tax trap this tax year.

Believe it or not, there can be a downside to having income of £100k or more – a 60% tax bill. Niki Patel outlines some tax-efficient steps that can help keep individuals from falling into the 60% tax trap.
#sovereign #wealthmanagement #tax
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Essential guide to annuities: what you need to know for retirement planning Annuities are back in fashion again. But are they right for your retirement planning? Claire Trott, SJP’s Head of Advice, looks at the pros and cons of annuities as a way to fund life after work.

Annuities are back in fashion again. But are they right for your retirement planning? Claire Trott, SJP’s Head of Advice, looks at the pros and cons of annuities as a way to fund life after work.
#sovereign #wealthmanagement #annuities
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Pensions for children - what you need to know If you set up a child pension while your children are young, you’re putting them on the path to future financial wellbeing. We explain why starting early means starting right.

If you set up a child pension while your children are young, you’re putting them on the path to future financial wellbeing. We explain why starting early means starting right.
#sovereign #wealthmanagement #pensions
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Changing dynamics and the rise of UK share buybacks With the popularity of share buybacks exploding in the UK, we explore when and why a company might choose buybacks over dividends, and what they mean for investors.

With the popularity of share buybacks exploding in the UK, we explore when and why a company might choose buybacks over dividends, and what they mean for investors.
#sovereign #wealthmanagement #buyback
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Creating a marketing plan that works for your small business You might have the best business idea in the world, but if people don’t know about your business and what you offer, it’s hard to grow. A good marketing strategy will support your business to grow and...

You might have the best business idea in the world, but if people don’t know about your business and what you offer, it’s hard to grow. A good marketing strategy will support your business to grow and succeed.
#sovereign #wealthmanagement #SME
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Five things to consider amid market uncertainty SJP’s investment experts highlight five things to consider when market volatility creates worry.

SJP’s investment experts highlight five things to consider when market volatility creates worry.
#sovereign #wealthmanagement #investing
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Six ways to leave your business - a guide to SME exits As a small or medium-sized enterprise (SME) owner in the UK, the decision to exit your business is both a significant milestone and a complex journey. Whether you're dreaming of a restful retirement o...

As a small or medium-sized enterprise (SME) owner in the UK, understanding the variety of exit strategies available to you is essential for a smooth transition.
#sovereign #wealthmanagement #SME
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Greater volatility, greater opportunities? As global markets experience increased volatility amid rising geopolitical tensions and unpredictable economic shifts, Howard Marks, co-founder and co-chair of Oaktree Capital, emphasises the importan...

The increasingly uncertain world before us will lead to greater market volatility, says Howard Marks, co-founder and co-chair of one of SJP’s specialist external fund managers, Oaktree Capital.
#sovereign #wealthmanagement #volatility
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Spending Review – Are wealth taxes on the horizon? Labour’s first Spending Review in 18 years was long awaited but had few surprises. But more relevant for many is what this review is likely to mean for the Autumn Budget.

Labour’s first Spending Review in 18 years was long awaited but had few surprises. But more relevant for many is what this review is likely to mean for the Autumn Budget.
#sovereign #wealthmanagement #spendingreview
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Build your business on solid foundations – don’t overlook the business basics of management and control. Louis Cooper, Board, Governance and Risk Advisor at Elephants Child, provides insight and a range of practical ideas that business owners need to consider as they take forward-looking steps to busines...

Louis Cooper, Board, Governance and Risk Advisor at Elephants Child, provides insight and a range of practical ideas that business owners need to consider as they take forward-looking steps to business expansion.
#sovereign #wealthmanagement #business
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What is the seven year Inheritance Tax rule? Thinking about gifting money as part of your Inheritance Tax planning? If you haven’t heard about the seven year rule, these are the essentials you should know.

Planning on gifting money as part of your Inheritance Tax planning? If you haven’t heard about the 7 year rule, these are the essentials you should know.
#sovereign #wealthmanagement #inheritancetax
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Overcoming market access and competition challenges to grow your business Kevin Petley, Business Growth Advisor at elephants child, helps businesses overcome barriers to growth. He explores four essential areas for SMEs to strengthen their market position and accelerate sus...

Kevin Petley, Business Growth Advisor at elephants child, helps businesses overcome barriers to growth. He explores four essential areas for SMEs to strengthen their market position and accelerate sustainable growth.
#sovereign #wealthmanagement #growth
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Navigating the summer holidays as a small business owner Taking time off is important for business owners. You need the right policies and processes in place to ensure you and your colleagues can enjoy a break while the business continues to run smoothly.

Taking time off is important for business owners. You need the right policies and processes in place to ensure you and your colleagues can enjoy a break while the business continues to run smoothly.
#sovereign #wealthmanagement #SME
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When do I need to start saving for retirement? We’re always being told to start saving early to give ourselves the best chance of a comfortable retirement. But how early is early? And how late is too late? Here, we break retirement saving down dec...

We’re always being told to start saving early to give ourselves the best chance of a comfortable retirement. But how early is early? And how late is too late? Here, we break retirement saving down decade-by-decade.
#sovereign #wealthmanagement #retirement
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Retirement planning: how to maintain your living standards With life expectancy increasing, you may need to fund a retirement that lasts decades. Seeking advice from a financial expert will help you achieve and enjoy the lifestyle you want.

With life expectancy increasing, you may need to fund a retirement that lasts decades. Seeking advice from a financial expert is the best way to ensure you can enjoy the lifestyle you want.
#sovereign #wealthmanagement #retirement
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Looking to sell your business? Preparation is key! Many business owners may be looking to realise the value of their hard work by selling their businesses. But navigating the sale process can be fraught with challenges, and preparation is essential to...

Many business owners may be looking to realise the value of their hard work by selling their businesses. Preparation is essential to avoid pitfalls that could jeopardise a successful exit.
#sovereign #wealthmanagement #businessexit
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