Jones & Co Independent Financial Advice

The September/October edition of Smart Money is here 📖

There’s plenty to get stuck into in this latest issue, including:

🏡 Could giving your home to your grandchildren create unexpected problems?
We look at the potential tax, financial and practical risks of gifting your home.

💷 One inheritance tax rule 72% of UK adults don't know about
The gifting-from-surplus-income exemption could be an important planning opportunity for some families.

🧓 Five questions to ask yourself before retirement
From your retirement lifestyle and income needs to your pension savings and the risks you may face, are you asking the right questions now?

⚠️ Could your retirement savings be at risk?
Pension scams are becoming increasingly sophisticated. We look at the warning signs and how to protect yourself.

📊 Why diversification matters in an uncertain world
With geopolitical tensions, trade disputes and economic uncertainty continuing, spreading investment risk remains an important consideration.

💰 Could your pension help with the £100k childcare cliff edge?
More than half of people are unaware that pension contributions can reduce adjusted net income.

👨👩👧 Are you and your partner ready for retirement?
Why couples should be having conversations about their pensions, income and plans for later life.

And that's just scratching the surface...

The September/October edition is available to read now.
👉 Take a look:https://ifajonesandco.uk/wp-content/uploads/2026/09/Smart-Magazine-SeptOct-2026-36-page.pdf.pdf

💬 Some money conversations are uncomfortable. But they’re often the important ones.

How much do you want to leave your children?

When should you start talking about inheritance?

What would happen financially if something happened to you?

And what does your family actually know about your financial plans?

These aren't always easy conversations to have, but getting everyone on the same page can help avoid confusion, disagreements and difficult decisions further down the line.

We've put together "5 money conversations every family should have", covering the topics that are worth talking about sooner rather than later.

👉 Read the full article here: https://ifajonesandco.uk/newsletter-articles-email-use/5-money-conversations-every-family-should-have/

🐾 Meet today's surprise guest... Hobbs!

One of our team dogs has been in the office today, spending his time saying hello to clients and keeping the office vibes high 🐶

He's been an absolute star and, as you can see, a very well-behaved cocker spaniel!

We think he's earned a well-deserved rest 💚🐾

We're thrilled to share some exciting news...

Jones & Co has been shortlisted for the East Midlands Business of the Year Awards 2026!

Being recognised alongside so many fantastic businesses is something we're incredibly proud of, and it's a reflection of the amazing team behind Jones & Co and the wonderful clients who continue to put their trust in us.

A huge thank you to everyone who has supported us on our journey so far. We're looking forward to the awards and keeping our fingers crossed 🤞💙

👋

This week we're introducing Laura, part of our Client Services Team at Jones & Co.

With over 15 years' experience in financial services, Laura is often one of the first friendly faces our clients meet. She takes pride in delivering a great client experience and ensuring everyone feels welcomed, supported and well looked after.

Laura can assist with areas including:

• Client support and queries
• Service and review coordination
• Financial planning administration
• Ongoing client care

She is known for her calm, approachable nature and commitment to making every client journey as smooth as possible.

Outside of work, Laura enjoys spending time with her husband, Rob, and their two sons. She also loves keeping active and walking their two dogs, Hobbs and Woody 🐾

We're lucky to have Laura as part of the Jones & Co team 💚

A proud Monday moment for the whole team at Jones & Co!

We're delighted to share that our Managing Director, Mark Jones, has been named SME Managing Director of the Year 2026 (East Midlands) 🥳

Anyone who knows Mark knows how passionate he is about supporting both our clients and our team, and this award reflects the culture he's helped build over the past 16 years.

Congratulations, Mark, on a very well-deserved achievement. We're incredibly proud to have you leading the team! 👏

👋

This week we're introducing Andrew, a valued member of our Client Services Team at Jones & Co.

With 20 years' experience in financial services, Andrew plays an important role in supporting our clients and helping ensure they receive the high level of service and care we're known for.

Andrew can assist with areas including:

• Client support and queries
• Financial planning administration
• Service and review coordination
• Ongoing client care

He is known for his approachable nature, willingness to help and commitment to making the client journey as smooth as possible.

Around the office, Andrew is also known for keeping the team smiling and bringing plenty of laughter to the day 😊

Outside of work, Andrew enjoys spending time with his wife and three children and coaches his daughter's football team, encouraging teamwork and sportsmanship ⚽

We're lucky to have Andrew as part of the Jones & Co team 💚

Business meetings are always a little better with a four-legged visitor 🐾

A big thank you to our business partner, Scottish Widows, for bringing along handsome cocker spaniel, Baxter, today ❤️

We can't wait to welcome them back again soon!

When people talk about retirement, the conversation often centres around pensions and finances.

But retirement is about much more than that.

It's about the lifestyle you want to enjoy.

Maybe it's travelling more.
Maybe it's spending time with grandchildren.
Maybe it's finally taking up that hobby you've never had time for.

Everyone's vision of retirement is different.

So we're curious...

What's on your retirement bucket list? 👇

And if you're thinking about how to turn those retirement goals into reality, we'd be happy to help you start planning for them.

Did you know you can gift up to £3,000 each tax year without it forming part of your estate for inheritance tax purposes?

It's known as the annual gifting allowance, and surprisingly, many people don't realise it exists.

While £3,000 might not sound significant on its own, over time these allowances can form part of a wider strategy to pass wealth to future generations.

Inheritance tax planning isn't only for the very wealthy.

Often, it's simply about understanding the allowances and opportunities available to you.

Sometimes the small things can make a bigger difference than people expect.

If you'd like to understand how inheritance tax rules could apply to your own situation, we're always happy to have a conversation 😊