PercyBaxter Wealth Management

Been quiet on here as it has been a non-stop start to the year.

Our little girl arrived 3 weeks early and Baby G has been keeping us busy ever since 💗

Also to add to the mix, we fancied a change of scene and have moved out of London! 🏡

Hope you’ve had a good start to 2026

I’ve always wanted to build a business where my clients are also good friends and I feel so lucky to be doing that.

Last Thursday I was treated to a delicious afternoon tea at The Shard. The view was spectacular and only beaten by the fab company!

What a wonderful way to celebrate the special news that I’m expecting my first child. Thank you so much Paula ❤️

🚨 It’s LIVE! 🚨

Check out my episode on Professional Adviser TV: Tackling ‘horrendous’ letter of authority delays. I felt very passionate talking about how ‘LOAs could be really magical’ tools for clients but unfortunately are currently falling short.

I got to talk about:
- How I managed to double a client’s pension pot
- How many LOAs are sent per year and what the current unstandardised system is costing the industry
- The impact this is having on clients

I will share a link to see the full episode on My Story.

✨ Reflecting on Women’s Progress in Financial Services this International Women’s Day!

I’m grateful to have contributed to an article for Professional Adviser, where I shared my thoughts on the challenges women face in the financial services industry. While progress has been made, financial advice remains a male-dominated field, with women still underrepresented, particularly in senior roles. There is a lot more to be done to ensure women are given equal opportunities and support.

One of the key barriers I discussed is the perception that financial advice is a male-dominated industry, which can put women off entering the sector. However, I’m encouraged by the increasing number of women joining and the growing recognition of the strengths women bring, such as empathy and a long-term approach to financial planning.

Visible female leadership and mentorship are essential to breaking down these barriers. By seeing more women in senior roles, we can inspire others to follow suit and help create an environment where women feel empowered to thrive.

I also touched on how having more female advisers can better serve female clients. Women often feel more comfortable working with female advisers, especially in sensitive situations like post-divorce or navigating significant life changes. It’s important to challenge the stereotypes about women’s attitudes to risk and show that women are confident, informed decision-makers when it comes to their finances.

I’m optimistic that the future will see more women leading in the industry, and I’m proud to be part of a growing movement to close the gender gap in finance. Let’s continue to push for positive change and build a more inclusive, supportive environment for women in this space.

Head to the link in my bio to read the full article.

💪✨ Celebrating International Women’s Day and Empowering Women in Finance!

This International Women’s Day, I had the privilege of contributing to three articles, with two already published, and I couldn’t be more excited to share my thoughts.

In my latest article for FT Adviser, I discuss a topic close to my heart — the importance of truly listening to female clients in the financial advisory space. As women, we often find ourselves navigating a system that’s not always designed with our needs in mind. That’s why it’s so important to offer financial advice that is compassionate, clear, and tailored to each individual’s goals.

One of the key issues I’m passionate about is changing the narrative around risk in financial decision-making. I’m working to rebrand ‘risk averse’ to ‘risk aware’ — because women are just as willing to take risks as men, but we want to be sure we’re fully informed so those risks are well-calculated. Financial decisions should empower us, not intimidate us, and I want every woman to feel confident in the choices she makes for her future.

I’m proud to be part of a growing movement to change how women engage with their finances and to help women take control of their financial futures.

Head to the link in my bio to read the full article.

I wish I could start every week the way I started yesterday! What a wonderful morning being able to discuss one of my favourite subjects, the gender investment gap, as part of AJ Bell releasing their latest report on the subject.

Did you know:
- 1 million more women have cash ISAs compared to men
- 500,000 more men have Stocks & Shares ISAs compared to women
- Because men’s ISAs are on average worth £3000 more, this has created a gender ISA gap of £6,600,000,000 🤯

This is why I’m so passionate about getting more women investing, so their money works harder for them than if it is sat in cash.

Such a wonderful opportunity to catch up with friends new and old, including some that I hadn’t yet met in person such as 🫶

I felt very lucky to be invited to be part of this round table at the House of Lords and the sun was smiling down on us ☀️.

Thank you to & for the invite. Also loving our financial pun Stanley cups, they’re going everywhere with me!

Often the best catch ups happen outside of formal meetings. Sure, annual reviews with clients are important and it is a great chance to check in, but nothing beats catching up over coffee to see how life is going—especially when you have a great friendship with your clients.

I had the pleasure of meeting last year at an awards ceremony where she was a judge, and I was a finalist. We were sat at the same table and really hit it off, chatting about fitness and cracking each other up!

Chalene has some incredible news on the professional front (I’ll let her share it in the comments if she’s happy to!) and I couldn’t be prouder of her. Though, I must admit, it’s going to be a little harder to enjoy our coffees at the beautiful when she’s soaking up the sun in Dubai! 🌞

Here’s to friendships that go beyond business and to exciting new chapters!

Have you ever felt that the UK tax system is so complex and burdensome that it makes you consider moving abroad? I was recently asked to share my expertise with a business owner in their 70s who was thinking about just that.

The UK tax system is undeniably intricate, and that’s before you take into account the frequent changes that follow each Budget. But with the right planning, there are ways to reduce both personal and corporate tax liabilities, so you can live life on your own terms. In the article, I share some strategies I use with clients to help navigate this. That’s why I love working with professionals and business owners, because I believe in exploring all options so you can make an informed decision, rather than feeling cornered into one. The challenge is that most people wait too long to seek help, which limits their options.

You can read the full article in the Telegraph Money Makeover section, titled: ‘I’ve worked in the RAF and NHS and own four businesses – should I quit Britain to cut my tax bill?’

How much do you need to retire on? Which is better an ISA or a Pension? What are the best ways to pay for private school fees following the VAT introduction? What can I do about pension contributions once my income makes me subject to tapering?

Those were some of the questions I focused on for my presentation to a group of highly engaged private equity professionals at Home Grown Club yesterday morning. It was so wonderful to see how many notes being were being taken as well as all the questions and active conversation around how to get our money working harder.

As I said during the presentation, money is the last taboo and it’s high time that changed. A good way to start could be chatting to colleagues about the best savings rates, pizza and pension nights with your friends, or figuring out what you want your future to look like and formulating a plan with a wealth manager.

Let’s make 2025 the year where we make talking about money part of everyday conversations

Earlier this week I was asked what the recent alarming statistics around the lowest fertility levels on record in the UK mean for older generations and their financial planning by The .

From what I’ve seen it is having quite the impact. For those without children or grandchildren, because they don’t have family around them and the support they can provide, there is a growing concern around funding ever increasing care costs. For those who do have children and grandchildren, it’s considering how to support the next generation that has struggled with wage stagnation and a continuous cost of living crisis. Many couples are delaying starting families due to the fact they both have to work full time to cover current costs, let alone the cost of having children. This is now having a bigger ripple effect.

There is starting to be a shift from building a legacy and passing down wealth on death, to passing it on whilst you can still see the benefits and experience the joy this creates in the beneficiary. That’s without mentioning the tax benefits of the latter.