Southgate Wealth Management

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Southgate Wealth Management Financial advice with purpose: helping you grow the life you want. You may get back less than the amount invested.

The value of investments with St James’s Place will be directly linked to the performance of the funds selected & may fall as well as rise.

Thinking about your finances ahead of the Budget? Get in touch with us to discuss your goals and any potential opportuni...
14/10/2026

Thinking about your finances ahead of the Budget? Get in touch with us to discuss your goals and any potential opportunities or considerations.

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 30/09/2026

Jargon, busted!This month, we're breaking down a few financial terms you’ll probably come across, but might not always k...
12/10/2026

Jargon, busted!

This month, we're breaking down a few financial terms you’ll probably come across, but might not always know what they actually mean. Next on the list...

*What is Compounding?*

Compounding involves reinvesting the income earned from your investment so your original amount grows and potentially generates additional earnings over time.

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential chang...
11/10/2026

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential changes to pensions through to support for first-time buyers.

Explore some of the proposals currently making the news and why staying focused on your long-term financial goals is often the most effective approach.

🔗 https://www.southgatewm.co.uk/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 06/10/2026

Jargon. Busted. ✓This month, we're breaking down a few financial terms you’ll probably come across, but might not always...
07/10/2026

Jargon. Busted. ✓

This month, we're breaking down a few financial terms you’ll probably come across, but might not always know what they actually mean. Next we have…

*What is Equity?*

Equity is the term for a share of ownership in a company, also known as a stock, which is listed and traded openly on a stock exchange.

Jargon. Busted. ✓This month, we're breaking down a few financial terms you’ll probably come across, but might not always...
04/10/2026

Jargon. Busted. ✓

This month, we're breaking down a few financial terms you’ll probably come across, but might not always know what they actually mean. Next up…

*What is a bond?*

This is the debt of a company or government and acts like an “I owe you”.

➡An investor who buys a bond is in essence lending money to that institution in return for repayment on a specific date, plus regular interest payments. Also known as fixed income.

Jargon. Busted. ✓This month, we're breaking down a few financial terms you’ll probably come across, but might not always...
01/10/2026

Jargon. Busted. ✓

This month, we're breaking down a few financial terms you’ll probably come across, but might not always know what they actually mean. Next on our list…

*What is an ISA?*

An ISA, (Individual Savings Account) is one of the most popular and tax-efficient ways for UK residents to invest and save for the future.

➡ Investments in an ISA are free of income tax and capital gains tax for the duration of the investment.

Jargon. Busted. ✓This month, we're breaking down a few financial terms you’ll probably come across, but might not always...
28/09/2026

Jargon. Busted. ✓

This month, we're breaking down a few financial terms you’ll probably come across, but might not always know what they actually mean. First up…

*What is Capital Gains Tax?*

Capital Gains Tax (CGT) is a tax you may have to pay on the profit you make when you sell or dispose of an asset that has increased in value. These are known as ‘chargeable assets’ and can include things like shares or a second property.

➡If something you own has gone up in value and you sell it for more than you paid, you may have to pay tax on some of the gain.

*Could inherited pension wealth be subject to both inheritance tax and income tax?* It’s one of the most significant qu...
25/09/2026

*Could inherited pension wealth be subject to both inheritance tax and income tax?*

It’s one of the most significant questions arising from the pension changes due in April 2027. Under the proposed rules, some beneficiaries could face both inheritance tax and income tax on inherited pension wealth, potentially reducing the amount passed on to loved ones.

Understanding when this could happen, who may be affected and what planning opportunities still exist is becoming an increasingly important part of estate planning.

If you’d like to discuss your circumstances, get in touch.

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group's wealth management products and services, more details of which are set out on the group's website www.sjp.co.uk/products.



SJP Approved: 27/08/2026

21/09/2026

Markets have plenty to digest this week 📈

From the first US rate rise in three years to the Bank of England's latest policy decisions and record ISA subscriptions, the latest developments could have implications for investors and savers alike.

Read this week's market and wealth update: https://ow.ly/Ec9h50ZPERA

*The taxable benefits of buying an annuity*With most pensions set to fall within new inheritance tax rules from April 20...
21/09/2026

*The taxable benefits of buying an annuity*

With most pensions set to fall within new inheritance tax rules from April 2027, many people are rethinking how and when to use their retirement savings.

While annuities can provide guaranteed income and may support estate planning by
reducing pension wealth over time, they’re not without trade-offs.

Read on to explore why demand is growing, the key risks to consider, and how annuities can fit within your broader retirement strategy.

🔗 https://www.southgatewm.co.uk/article/detail/sjpp/the-taxable-benefits-of-buying-an-annuity.html

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

Southgate Wealth Management Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 02/07/2026.

Address

St James' Place House, 2610 The Quadrant, Aztec West
Almondsbury
BS324AQ

Telephone

+447863164159

Website

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