Fowler Financial Planning

Every successful business has people who are vital to its day-to-day operations. But have you considered what would happen if one of those key individuals was suddenly unable to work?

Key Person Protection is designed to help businesses manage the financial impact of losing an important member of the team, giving them time to adjust and plan for the future.

This article explains how Key Person Protection works and why it's something every business owner should consider.

https://www.fowlerfp.co.uk/article/detail/sjpp/could-your-business-survive-losing-its-most-valuable-person.html

We’re taking a short break for the August bank holiday weekend weekend! Our office will be closed from Friday 28th August until Tuesday 1st September.

We wish you a restful long weekend!

As students prepare to head back to school, it's a timely reminder that some of life's most important lessons aren't always taught in the classroom.

Understanding how to manage money, budget effectively and make informed financial decisions are skills that can make a real difference throughout life. However, many young people leave education without the confidence or knowledge to navigate these topics.

Through our Financial Education programme, we deliver free workshops in local schools and colleges for students aged 14–18, helping young people build the knowledge and confidence to make informed financial decisions before they leave education.

If you know of a local school or college that would like to find out more contact us here:

https://www.fowlerfp.co.uk/contact

Understanding potential inheritance tax liability is one thing.

Understanding how it fits into your wider financial picture is another.

Our inheritance tax calculator can help provide a useful starting point for exploring your current position.

You can find it here: https://www.fowlerfp.co.uk/advice-and-services/calculators/iht-calculator

If you would like to discuss your circumstances in more detail, our team is always happy to help.

Fowler Financial Planning 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 16/06/2026

Employment law is evolving, and keeping up with changes can feel challenging for employers.

Understanding upcoming changes is an important part of planning ahead, helping businesses review their policies, processes and responsibilities with confidence.

This article outlines some of the key employment law changes employers should be aware of and offers practical insights to help you stay informed.

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/employment-law-changes-are-coming-fast-eight-things-every-small-business-should-be-doing-now.html

If you're planning to return to the UK for retirement, it's important to understand how the move could affect your tax position.

Factors such as your residency status, overseas income and the timing of your return can all have an impact, making it worthwhile to plan ahead.

This article explores some of the key tax considerations for returning expats and highlights why seeking advice before you move can make a real difference.

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/coming-home-to-retire-tax-implications-for-returning-expacts.html

Regular saving and investing may seem gradual at first, but consistency over time can make a meaningful difference.

ISAs can provide a tax efficient way to build savings and investments towards future goals.

Our ISA calculator is designed to help explore how contributions and investment growth could influence long term outcomes

You can find it here: https://www.fowlerfp.co.uk/advice-and-services/calculators/isa-calculator

If you would like to discuss your financial planning in more detail, our team is always happy to help.

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

Fowler Financial Planning 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 16/06/2026

Could you sell to your team?

When planning an exit from your business, selling to a third party isn't the only option. Employee ownership offers an alternative approach to succession, and for some businesses, it can help support continuity while giving employees a greater stake in the company's future.

This article explores how employee ownership works, along with the potential benefits and considerations for business owners.

Read more here:
https://www.fowlerfp.co.uk/article/detail/sjpp/employee-ownership-pros-and-cons-of-selling-your-company-to-your-staff.html

Financial planning is about more than managing money.

It's about understanding what's important to you, creating a plan that reflects your goals, and helping you make informed financial decisions with confidence.

Whether you're thinking about retirement, protecting your family, growing your wealth, or planning for future generations, good financial planning brings every part of your financial life together.

Every financial journey is different.
If you'd like to discuss yours, we'd love to hear from you.

https://calendly.com/d/cqb4-dz8-qp4

Fowler Financial Planning 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 21/07/2026

Trust is something that's earned over time.

Choosing a financial planner is an important decision, and hearing about other people's experiences can be a valuable part of that process.

We're grateful to the clients who have taken the time to share their feedback about working with Fowler Financial Planning.

If you'd like to read about their experiences, you can explore our testimonials page:

https://www.fowlerfp.co.uk/about/testimonials