Guthrie Wealth Consultancy Ltd

Don't be surprised if the first piece of advice we give comes with no obligation.

Good financial planning isn't always about buying a product. Sometimes it's about making better use of the allowances you already have.

When it comes to inheritance tax planning, gifting can be one of the simplest places to start.

For example:
• You can give away up to £3,000 each tax year using your annual exemption. If unused, you may be able to carry it forward for one tax year.
• Parents can give up to £5,000 tax-free towards a child's wedding, with other gifting exemptions available for grandparents and other family members.
• In some circumstances, surplus income can also be used in ways that may reduce an Inheritance Tax liability.

The right approach depends on your personal circumstances

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

Guthrie Wealth Consultancy 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 13/10/2026

Kind words like these mean so much to us.

A huge thank you to Isabel, a retired school teacher, for taking the time to share her experience.

"Steven has been our financial adviser for many, many years. We have relied on his support and advice and never been disappointed. He is trustworthy and takes a genuine interest in our welfare. We feel so lucky to have him as our financial adviser and would certainly recommend him to anyone."

Building long-term relationships is one of the most rewarding parts of what we do. Thank you, Isabel, for your trust over the years and for your lovely recommendation. It has been a pleasure to support you on your financial journey.

https://loom.ly/jLoubxw

Guthrie Wealth Consultancy 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 13/10/2026

This week reminded us why we love what we do.

No two clients are the same, and that's what makes every week different.

We help clients at many stages of life
• Couples in their 20s take their first steps with pension planning.
• Clients in their 50s hope to make informed decisions after receiving an inheritance.
• Retirees in their late 70s reviewing the performance of their investments and discussing the years ahead.

Every stage of life brings different questions, priorities, and opportunities.

Whether you're just starting your financial journey, planning for retirement or already enjoying it, having the right plan can give you greater confidence about the future.

guthriewealthconsultancy.co.uk

Guthrie Wealth Consultancy 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 13/10/2026

A high income doesn't always mean high savings.

We often meet successful professionals with excellent careers and good salaries. Yet by the time the mortgage, school fees, holidays, cars and everyday spending are covered, there is little or nothing left to invest.

That's more common than you might think.

We're not here to tell you to stop enjoying life. What we can do is show you what your future could look like with your current habits and how even small changes today could make a meaningful difference to your retirement.
Seeing the numbers often changes the conversation.

guthriewealthconsultancy.co.uk

Guthrie Wealth Consultancy 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 13/10/2026

Your pension could create a tax problem you never expected.

Building a healthy pension is a great achievement. But tax changes mean many people could pay more tax in retirement if too much of their income comes from pensions alone.

That is why ISA planning matters just as much as pension planning.

At Guthrie Wealth, we don't just help you project your pension. We also have an ISA Planner, so you can see how your ISA could grow right through to retirement. Using both together can help you build a more tax-efficient retirement income.

Try our free ISA Calculator today: https://loom.ly/YYnmz-w

The value of your investment can go down as well as up. You could get back less than you invested.

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

Guthrie Wealth Consultancy 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 13/10/2026

"How can we help our children get on the property ladder?"

It's one of the most common questions we hear from clients. 🏡

There are several ways parents and grandparents can help.

You might consider making a gift towards a deposit, providing a loan, acting as a guarantor, or using savings as security with a mortgage provider.

The challenge is that there is no one-size-fits-all answer.

The most suitable approach depends on your financial position, your objectives, tax considerations, family circumstances and how much control you want to retain over the money.

What works well for one family may not be appropriate for another.

Before making a significant commitment, it is worth understanding the wider financial and estate planning implications.

https://loom.ly/jLoubxw

The home on which a mortgage is secured may be repossessed if payments are not maintained.

Guthrie Wealth Consultancy 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 13/10/2026

If your legacy is for your grandchildren, are you using the right savings vehicle?
Many grandparents save for future generations through cash savings accounts or Junior ISAs.

But have you considered a personal pension for your grandchildren?

Contributions made to a child's pension can benefit from tax relief, even if the child has no earnings. A contribution of £2,880 can become £3,600 once basic rate tax relief is added.

The biggest advantage is time.

A pension started in childhood could have decades to grow before retirement, giving compound growth a much longer period to work.

Of course, pensions are not suitable for every objective. Access restrictions mean the money is locked away for the long term.

The right approach depends on whether your goal is to help with university costs, a first home, or building long-term wealth.

At Guthrie Wealth, we help families explore the most suitable ways to pass wealth to future generations.

Find out more at https://loom.ly/jLoubxw

Want to retire before the age of 57?
Your savings strategy matters.

Many people focus entirely on pensions when planning for retirement.

But if you hope to stop working before you can access your pension, you may need another source of income.

One approach is known as the "Bridge the Gap" strategy.

You use pensions to fund your later retirement years and benefit from valuable tax relief while you're working.

At the same time, you build ISA savings that can provide tax-free withdrawals between your chosen retirement age and the age you can access your pension.

For example, if you retire at 55 and cannot access your pension until 57, your ISA could help fund those two years.

Retirement planning is about more than building wealth. It's about making sure your money is available when you need it.

At Guthrie Wealth, we help clients create retirement plans that align with their goals and timescales.

Find out more at https://loom.ly/jLoubxw

Are your employee benefits working as hard as your business?
A strong remuneration strategy is about more than salary alone.

Business owners who review pensions, death in service benefits, private medical cover and bonus structures can improve employee retention, support staff wellbeing and make their business more attractive to talented people.

The right package can also create tax-efficient opportunities for both your business and your employees.

Many businesses set up benefits years ago and never review them. As your business grows, your remuneration strategy should grow with it.

At Guthrie Wealth, we help business owners create benefit packages that support their people while aligning with their wider business and financial goals.

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’I'll start saving for retirement next year…
That delay could cost you far more than you think.

Someone who saves £200 a month from age 20 could build a larger retirement fund than someone who waits until age 47 and saves £1,000 a month.

Why? Time gives your investments more opportunity to grow. The earlier you start, the more years your money has to benefit from compound growth.

Waiting just one more year often means you need to save more to reach the same goal.

If retirement planning is on your to do list, ask yourself one question:

What will postponing cost me?

At Guthrie Wealth, we help people understand how much they need to save and create a retirement plan that works for their future.

https://loom.ly/jLoubxw