Horsham Financial Services LTD

24/09/2026

Could your loved ones easily access the money needed to pay an Inheritance Tax bill?

As changes from April 2027 bring more pension wealth into the scope of IHT, liquidity is becoming an increasingly important part of estate planning.

Discover how whole of life assurance can help provide funds quickly and reduce financial pressure on your family.

🔗 https://www.horshamfinancial.co.uk/article/detail/sjpp/whole-of-life-assurance-the-quiet-solution-to-the-iht-landscape.html

Horsham Financial Services 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 18/09/2026

From April 2027, most unused pension funds will be included when calculating the value of someone's estate for inheritance tax (IHT) purposes. This will push more people into the scope of this tax.

04/09/2026

Will the April 2027 pensions and inheritance tax changes affect you?

Under the new rules taking effect on 6 April 2027, most unused pension funds will be included when calculating the value of an estate for inheritance tax purposes.

📩 If you’re unsure how the new rules affect you and how much of your wealth you can pass on, get in touch to talk it through, or read more here: https://www.horshamfinancial.co.uk/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

Horsham Financial Services 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 20/08/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.

25/06/2026

When do you need a financial adviser and when is it simpler to just DIY?

To answer whether you should go DIY or employ an adviser, we need to first get clear on what a good financial adviser actually does for their clients.

Two years ago, I gave myself the task of rewriting my client service charter. It’s been through several drafts now and I'm not completely satisfied with the final output (there's a lot to squeeze in and it varies from client to client), but it exists, it is evolving, and this is one of the questions it seeks to answer.

Let's start with the fact that there is no cheat code to Financial Planning....

To answer whether you should go DIY or employ an adviser, we need to first get clear on what a good financial adviser actually does for their clients.

16/06/2026

Fixed or tracker? Many people are revisiting this question for their mortgages.

With the Bank of England holding rates for now — but future increases expected — it’s important to understand how different mortgage types work.


🏡 Explore the differences and what to consider when reviewing mortgage options:: https://www.horshamfinancial.co.uk/article/detail/sjpp/fixed-rate-or-tracker-choosing-the-right-mortgage-in-uncertain-times.html

Your home may be repossessed if you do not keep up repayments on your mortgage.

Horsham Financial Services 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 13/5/2026

But market expectations are now that the base rate will rise during 2026. This is because inflation is likely to go up due to increased oil prices caused by the prolonged conflict in Iran. The Bank of England uses interest rates as a tool to control rising inflation.

22/04/2026

Tax rules are set to change from April 2027 in a move which will see most people's pensions bought into their estates for inheritance tax purposes.

Combined with a long-term freeze in IHT thresholds, it is not surprising many people are turning to trusts as a way to manage their tax liabilities.


👉Learn more here: https://www.horshamfinancial.co.uk/article/detail/sjpp/can-a-trust-help-protect-your-estate.html

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

Trusts are not regulated by the Financial Conduct Authority.

Horsham Financial Services 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 17/4/2026

Trusts are increasingly used in the UK as a strategy to manage inheritance tax (IHT) liabilities, especially with upcoming changes to IHT rules set to affect pensions. We look at how they work in estate planning.

23/03/2026

Honoured to be included in VouchedFor’s 2026 Top Rated Adviser Guide, published in The Times.

A huge thank you to our clients for taking the time to leave reviews - your feedback means the world and helps us keep improving the support we provide.

We'd also like to recognise the wider team at Horsham Financial Services whose work sits behind every positive experience. This really is a shared achievement.

Here’s to continuing to provide a reliable, consistent service in the year ahead.

Horsham Financial Services 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 19/3/2026

11/03/2026

Periods of geopolitical uncertainty can feel unsettling — but they don’t always change long‑term outcomes.

History shows markets can recover from major global events. A recent example is the invasion of Ukraine, after which many markets rebounded and moved close to all‑time highs.

This article shares a clear checklist to help investors decide whether uncertainty calls for action — or a focus on long‑term plans.

Read more: https://www.horshamfinancial.co.uk/article/detail/sjpp/keep-calm-and-carry-on-geopolitical-effects-on-markets-prove-temporary.html

Horsham Financial Services 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 05/3/2026

The recent attacks on the Iranian leadership and subsequent retaliatory actions across the Middle East have caused widespread geopolitical volatility. Unsurprisingly, they have also left many investors wondering what actions they should now be considering.

23/02/2026

With the tax year-end approaching, now’s the perfect time to make the most of your ISA allowance and build lasting financial habits.

Whether it’s for your personal savings or long-term goals, proactively using your ISA allowance as part of a broader financial plan can make a meaningful difference to your future.

Start today to maximise your tax-efficient savings and head into the new tax year with confidence. https://www.horshamfinancial.co.uk/contact

It’s about taking small steps now for greater financial freedom tomorrow.

The value of an investment can go down as well as up. You may get back less than the amount invested.

The favourable tax treatment of ISAs may be subject to changes in legislation in the future.

Horsham Financial Services 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)

03/02/2026

Worried about timing the market? You’re not alone.

👉 This article explores what volatility really means for retirement investors and why staying the course can be key to long-term growth: https://www.horshamfinancial.co.uk/article/detail/sjpp/planning-for-retirement-in-volatile-times.html

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.

Horsham Financial Services 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 20/1/2026

27/01/2026

Our upcoming webinar, Ready for Tax Year-End?, is designed to give you the clarity, confidence and practical steps you need as we approach the end of the tax year. 12 February, 12.30 - 13.30.

REGISTER HERE
https://sjp-co-uk.zoom.us/webinar/register/9717611376298/WN_2iWAG4LFSBSoxtfXwCZTnA #/registration