McKnight Associates Wealth Management

🗞️ in the latest WeekWatch: ... "more savers are putting money into cash ISAs as they look to make the most of valuable saving allowance before it is reduced."

According to UK Finance, cash ISA deposits grew faster than those into instant access and notice accounts in the second quarter of the year. Read the latest WeekWatch here ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/weekwatch-07-09-2026.html

Please note that St. James's Place does not offer Cash ISAs. The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested. Past performance is not indicative of future performance.

Why bond markets suddenly matter again - government bonds are meant to be boring, yet recent swings in yields have made headlines across the globe. So, what's changed, and what does it mean for their role in your portfolio ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/why-bond-markets-suddenly-matter-again.html

From self-assessment tax returns to Making Tax Digital, business owners face a number of tax deadlines and reporting requirements - and with an Autumn Budget only weeks away, more changes could be on the horizon.

Missing an important date could result in penalties and interest charges, making it more important than ever to stay organised and ahead of key deadlines ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/beating-the-deadlines-tax-dates-for-business-owners.html

🗞️ read the latest WeekWatch here ➡️ https://www.mcknightassociates.co.uk/article/detail/sjpp/weekwatch-01-09-2026.html including last month's highlights and the latest Stock Take, Wealth Check and In The Picture

Anxiety can make financial challenges feel much worse - whether you become worried about the sustainability of your financial future, dealing with debt or struggling with cash flow problems, emotions around money can lead to inaction or avoidance.

In these situations, it’s normal to feel like you’re losing control. But there are ways to get things back on track and steer your finances in the right direction ⬇️ www.mcknightassociates.co.uk/article/detail/sjpp/finding-control-when-money-feels-overwhelming.html

For many people, a pension is one of their biggest assets, but 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 this article, we explain what’s changing, who may be affected and some practical steps to consider ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

Humanoid robots, China's AI strategy, UK economy, risen tax receipts ahead of the Autumn Budget and FCA warnings against investing with unregulated companies in the last WeeWatch.

Read it here ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/weekwatch-24-08-2026.html

Short term market corrections are an inherent part of investing - falls of 10% or more happen roughly one in every three years - it is essential to invest with a long-term perspective, looking through brief periods of market fluctuations.

So how do you make a financial plan, when the world is so uncertain? ⬇️ www.mcknightassociates.co.uk/article/detail/sjpp/keeping-perspective-as-the-iran-conflict-resumes.html

📝 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.

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Achieving a successful handover of your business to a family member can come down to three aspects: early planning (ideally five to 10 years in advance), having a full understanding of the value of the business, plus open communication with all involved parties to ensure fairness.

Chris Everard, business growth adviser at business advisory company Elephants Child, says: “One of the greatest misconceptions in family business succession is that it’s simply about passing ownership from one generation to the next. In reality, it’s about preserving two things simultaneously - the future value of the business and the family's long-term wealth.”

So how do you plan ahead for business succession? ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/keeping-it-in-the-family-planning-ahead-for-business-succession.html

Government urged to make pensions and IHT rules fairer - the Chartered Institute of Taxation (CIOT) is urging the government to review some of the rules around how inheritance tax (IHT) on pensions will be handled next year.

From 6 April 2027, most unused pension funds and pension death benefits will count towards the value of an estate for IHT purposes.

But the CIOT has warned that some of the rules for pensions after death, in cases where IHT will apply on an estate, run the risk of creating unfairness, disputes and delays. Read the latest WeekWatch here ⬇️ https://www.mcknightassociates.co.uk/article/detail/sjpp/weekwatch-17-08-2026.html