J & Co Wealth Management Ltd

🎉 J & Co Wealth Management turns 1!

A year ago I took the leap and launched J & Co Wealth Management and I’m incredibly proud of how far it’s come.

Thank you to everyone who’s supported me, trusted me, and cheered me on along the way.

Cheers to one year and here’s to year two: growth, momentum, and continuing to make a real difference for the people I work with.

Investing can feel a lot like supporting your favourite football team - full of ups, downs and the occasional surprise result. As St. James’s Place CIO Justin Onuekwusi reflects, success often comes from staying loyal to your plan, even when short-term setbacks test your patience.

Global markets are being shaped by geopolitics, from trade tensions to elections and currency movements. Yet history shows that reacting to every headline rarely helps. Like fans calling for a new line-up after a few poor matches, investors can be tempted to make changes during volatile periods - but that can often do more harm than good.

Instead, focusing on discipline, diversification and long-term goals can help portfolios weather uncertainty. Markets, like football seasons, move in cycles -and those who stay invested through both highs and lows are often best placed to benefit when confidence returns.

Sometimes, the smartest move is simply to hold your position - and stay the course.

Read more:

I work with business owners who value long-term relationships.

It’s not just about numbers or quick fixes. It's not about being transactional.

I’m here to help you secure a stable future without the stress. To give clarity and peace of mind through life's changes and milestones.

When it comes to investing, each generation has their own mix of strategies, and younger generations like to try a bit of everything.

This graphic visualises the breakdown of how each generation uses each of the following types of investing strategies:

Source: Visual Capitalist https://www.visualcapitalist.com/charted-the-most-popular-investing-strategies-by-generation/

Geopolitical tensions in the Middle East continue to evolve, and with active conflicts, cyber attacks often increase targeting involved nations, their allies, or associated parties.

For St. James’s Place clients, safeguarding your data and financial information is a top priority. SJP follow UK Government guidelines and industry best practices - and go beyond them - to protect the confidentiality, integrity, and availability of your personal information.

You can also take important steps to help protect yourself and your finances. Here are 4 practical ways to stay secure.



Date added: 02/10/2025

📊 Bonds – the steady partner in a diversified portfolio

Bonds have long played an important role in balanced investing - helping to provide income, stability and diversification alongside equities.

However, while often considered lower risk than shares, bonds are not risk-free. Recent global events - from the 2022 ‘mini-budget’ to the 2025 rise in bond yields - have highlighted how sensitive bond prices can be to changes in interest rates and inflation.

Understanding how bond prices, yields and inflation interact can help investors make informed, long-term decisions about portfolio construction and risk management.

Professional financial advice can help you understand how different asset types - including bonds - may fit within your wider investment strategy and align with your goals and attitude to risk.

*The value of investments, including bonds, can fall as well as rise, and you may get back less than you invest.
*Past performance is not a reliable guide to future performance.
*This content is for information only and does not constitute financial advice.

Oracle’s skyrocketing stock price, driven by massive AI‑related cloud deals, has boosted Ellison’s wealth beyond Musk’s according to Bloomberg’s Billionaire Index.

Forbes values Ellison’s net worth at $401 billion, while Bloomberg’s estimation stands at $393 billion.

This wealth milestone reflects the explosive demand for AI infrastructure, marking a pivotal shift in the tech billionaire hierarchy.

Source: Visual Capitalist https://www.visualcapitalist.com/larry-ellison-is-now-the-worlds-richest-person-surpassing-elon-musk/

If you want to gift your family more than £3,000, you will need to survive for seven years after making the gift, otherwise it could potentially be liable for inheritance tax (IHT).

Structuring your gifting over the longer term and making full use of your annual gifting allowance, along with any other IHT exemptions which may be available to you, such as the gifts out of normal expenditure exemption, can help you manage your IHT liability.

Financial advice can be invaluable in helping you gift larger amounts and plan your legacy.

Not all inheritances happen once you’ve died. Gifting larger sums of money to loved ones while you’re still alive is both a practical and tax-smart way to get money flowing between generations.

Some people call this a ‘living inheritance,’ since they’re passing on money that would have been inherited – just sooner, rather than later.

As long as you’re aware of the seven year rule.

If you die within seven years of making a substantial gift, the value of the gift will be counted as part of your estate (if not covered by an IHT exemption), and will therefore potentially be liable for IHT if you do not have sufficient nil rate band available on death to protect the gift.

These are the essentials you need to know. https://www.jcowealth.co.uk/what-is-the-seven-year-rule-in-inheritance-tax

Happy clients = happy adviser!

While older generations control the largest share of global spending today, Gen Z is on track to become the fastest-growing force in global expenditures over the next decade.

The graphic visualises the global spending power of each generation (Gen Alpha, Gen Z, Millennial, Gen X, Boomers, and Silent Gen) in 2024, along with each generation’s share of the overall global population.

Source: VisualCapitalist https://www.visualcapitalist.com/visualized-global-spending-power-by-generation/

In this graphic, Visual Capitalist rank 34 countries by their percentage change in wealth from 2010 to 2023. Figures were sourced from the UBS Global Wealth Report 2024.

“Wealth” in this regard is defined as the value of financial assets (e.g. stocks) plus real assets (e.g. homes) owned by households within each country, minus their debts. This measurement is also known as “net worth”.

Source: Visual Capitalist - https://www.visualcapitalist.com/which-countries-gained-the-most-wealth-2010-2023/

If you’ve just joined the 4% of UK individuals with an income of £100,000 or more, congratulations. It’s a personal achievement that likely took years of hard work, late nights and careful saving and budgeting. And the number of those earning £100,000 or more is growing – in the 2022/23 tax year (the last year that data is available from HMRC) there were 1.35m people in the higher tax bracket – up 16% on the previous year.

Since the national average UK salary is £37,5002, earning £100,000 should feel more than comfortable. Yet often, it doesn’t. Partly, because the cost of living has soared – but that affects all of us. More importantly, while wages have been steadily rising, personal tax thresholds have remained frozen since April 2021. As a result, more people are tipping into a higher tax band, and finding themselves falling unwittingly into the 60% tax trap.

Earning a six figure sum can feel like being caught between a rock and a hard place.

Read more: https://www.jcowealth.co.uk/how-you-can-beat-the-60-tax-trap