Tom Williams - Financial Adviser & Wealth Manager

📉 Could weaker jobs data, falling oil prices and huge AI spending change the outlook for investors?

The latest WeekWatch looks beyond the headlines to explore what has been moving markets — and what it could mean for interest rates, inflation and investments.

This week’s update covers:

🔹 Why disappointing US jobs figures could influence future interest-rate decisions
🔹 Whether falling oil prices may help ease inflation
🔹 Growing concerns over the billions being spent on artificial intelligence
🔹 Important proposed changes for first-time buyer savers
🔹 Why some older pension plans may be delivering poor value

It also examines the investment gap between men and women — and whether younger generations are beginning to close it.

Read the full update here 👇

https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/weekwatch-06-07-2026.html

📈 WeekWatch Update
Markets climbed this week as global tensions eased, oil prices fell, and inflation remained in focus.

This week’s update also looks at proposed mortgage rule changes, potential improvements for cohabiting couples, and why staying the course matters when investing.

⚽ In our video, To Dive or Not to Dive, we explore how goalkeepers facing penalties may sometimes be better off staying still rather than diving too quickly. Investing can be similar. In a world full of headlines, reacting to short-term noise can be tempting, but staying focused on a long-term plan is often the better approach.

Read the full WeekWatch here:
https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/weekwatch-15-06-2026.html -The-Picture

The value of investments can fall as well as rise, and you may get back less than invested. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approaching retirement: what is the right time to de-risk? Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.

Feeling overwhelmed by financial decisions? You’re not alone. It’s like standing in front of a crowded train station, unsure of which platform to choose.

That’s where tailored financial advice comes in. It’s like having a trusted guide who knows the best route for you.

When you have a plan designed for your needs, you can breathe easier knowing you’re on the right path toward your goals.

Less stress about money means more time to enjoy life - whether that’s spending time with family, planning a holiday, or simply enjoying a quiet evening with a good book.

Feeling secure about your financial future doesn’t just help with the numbers; it positively impacts everything else. You feel more confident, focused, and ready to tackle whatever life throws your way.

✨Launch Day! ✨

Today is the day that Cleeve Financial Planning proudly presents its new branding and website! After generally feeling like a refresh was needed we took the decision to change things up. We hope you like our new look and feel.

We’re proud of what we’ve built, grateful to everyone who’s been part of the journey so far, and excited about what comes next.

Here’s to the next chapter. 🚀

𝐌𝐞𝐞𝐭 𝐌𝐚𝐫𝐥𝐨𝐰 🐾

Our Financial Adviser, Kieran O'Connor, and Paraplanner, Chloe Smith, welcomed this little guy home on 2nd January! He’s 15 weeks old and got his name after a visit to a client in Marlow, the lovely town by the River Thames. Already very much part of the family 💙

Your financial plan should be as unique as your goals. After all, it wouldn’t make sense to follow a cookie-cutter approach when it comes to something so personal, right?

When it comes to financial aspirations, one size definitely does NOT fit all. Some people dream of buying a cozy home, while others are saving for their child’s education. And let’s not forget those who just want a nice little nest egg for retirement.

If you try to fit everyone into the same financial plan, it’s like trying to wear shoes that don’t fit. That’s where tailored advice comes in.

Take saving for your child’s university fees, for example. A generic plan might suggest saving a fixed amount each month. But what if you also want to travel with your family? Or maybe you’d prefer to invest in a smaller property first?

A good adviser will help you balance these aspirations, creating a plan that feels right for YOU. And remember, as life changes, so do your goals. Your financial plan should be flexible enough to adapt.

So, what are your financial aspirations?

Retirement planning can feel like trying to solve a Rubik's cube blindfolded. You think you’ve got it all figured out, and then - whoops! - you’re back to square one.

Here are five questions you might not think to ask:

1. What do I actually want to do with my time?
You could spend your days napping or learning to juggle. What sparks joy?

2. How will I fill the gap if I stop working?
Will you miss the office banter or the free coffee? Find your new ‘water cooler’!

3. What about healthcare costs?
Spoiler alert: the NHS won’t cover everything. Think ahead to avoid surprises.

4. How do I keep my money safe?
Your savings shouldn’t be like a game of roulette. Consider options that fit your needs.

5. What legacy do I want to leave?
It’s not just about money; it’s about memories. What do you want to pass on?

Retirement isn’t just about the numbers; it’s about the life you want to live. What’s your retirement dream?

Online safety isn’t just a “tech issue” but a life admin one.

We recently came across an article about reducing your digital footprint - essentially removing old accounts, unused apps and data that quietly sit online long after we’ve forgotten about them.

Why does this matter?

⚠️Old accounts and unused logins can increase the risk of data misuse

⚠️Personal information stored online often outlives its usefulness

⚠️Many people underestimate how much of their digital life is still accessible

Taking small, practical steps - like reviewing old accounts, tightening privacy settings, and being more intentional about what we share - can make a meaningful difference over time.

This isn’t about fear or going “off-grid”. It’s about being informed, aware, and in control of your online presence.

If protecting yourself (and your information) online matters to you, it’s well worth a read:
👉 https://www.4good-finds.com/p/how-to-delete-99-of-your-digital

This post is shared for general information only and isn’t intended as advice.

SJP Approved: 16/01/2026