Pearce Sargent Financial Planning

A little thank you from us to you

Know someone who could benefit from our services? Refer a friend or family member and if they go ahead with us, we’ll treat you to a delicious afternoon tea voucher from Piglet’s Pantry!

No catch, just our way of saying thank you for supporting our small business

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.

{business.name} 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: 30/1/2026

What is a Unit Trust?

A Unit Trust is a portfolio of financial assets that are managed by a professional fund manager.

These assets could include stocks, property, and bonds. It is a medium to long term investment for growth and income.

{business.name} 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: 30/1/2026

What is Passive investing?

Passive investing is an investment strategy that aims to replicate the performance of an index by tracking it, which means holding the same stocks in similar percentages. This is considered a lower-cost way to invest.

{business.name} 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: 30/1/2026

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.

{business.name} 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: 30/1/2026

Today is World Heritage Day.

It’s a day that reminds us of the importance of preserving things that last for generations. The landmarks and heritage sites we celebrate today exist because people valued long-term thinking and protecting what matters.

What is a Pension?

A pension is a way for individuals to save money during their working years for their retirement later in life, which employers can also contribute to.

Pearce and Sargent Financial Planning 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: 30/1/2026

Financial advice for long-term UK residents has become even more important following the scrapping of the non-dom tax regime in April 2025.


The new residency-based tax rules have meant significant adjustments for long-term UK residents. And while various reliefs are available it involves careful tax planning.

Learn more: https://www.pearcesargent.co.uk

Pearce and Sargent Financial Planning 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 30/3/2026



@sjpwealth

A new tax year offers a natural moment to pause and reset.

For many business owners, it’s a chance to step back from the day-to-day and reflect on what’s working, what isn’t, and where to focus next. In a more uncertain environment, clarity around priorities and long-term direction is becoming increasingly important.

Rather than trying to do more, the emphasis is often on doing the right things – refining strategy, focusing on what’s within your control, and aligning the business with personal goals.

Small, considered adjustments at this stage can help set a clearer path for the year ahead.

Read more: https://www.pearcesargent.co.uk/article/detail/sjpp/ten-tips-for-business-owners-heading-into-the-new-financial-year

Where the opinions of third parties are offered, these may not necessarily reflect those of St. James's Place.

Join us for our free financial wellness for women seminar at the Mercury Theatre Colchester on Thursday 23rd April, from 9:30 am. We provide tea, coffee and a breakfast bap and the session lasts around 90 minutes. We’d love to see you there. Register here https://www.eventbrite.co.uk/e/1980382052028?aff=oddtdtcreator !