Wolfe Wealth & Financial Planning

Is all that glitters fool's gold?

Gold has been a key store of wealth for thousands of years. But after reaching historic highs at the start of 2026, gold prices have fallen sharply since the Iran war began.

This article looks at its history and what drives it's performance: https://www.wolfewealth.co.uk/article/detail/sjpp/is-all-that-glitters-fools-gold.html

Can a trust help protect your estate?

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.wolfewealth.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.

Wolfe Wealth & 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 17/4/2026

10 tips for business owners heading into the new financial year

A new financial year brings a natural chance to reset and refocus.

It’s time to step back, assess what’s working and set priorities for the months ahead.

Here’s 10 practical tips to help start the year on strong foundations: https://www.wolfewealth.co.uk/article/detail/sjpp/ten-tips-for-business-owners-heading-into-the-new-financial-year.html

Wolfe Wealth & 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 13/4/2026

Bank holds base rate as balancing act gets tougher

The Bank of England has chosen to hold the base rate at 3.75%.

While rates have remained stable since December, inflation remains above target and rising energy costs are adding to uncertainty around future decisions.

This article summarises the latest update and the key factors influencing the outlook for interest rates in the year ahead.

🔗 Read more: https://www.wolfewealth.co.uk/article/detail/sjpp/bank-holds-base-rate-as-balancing-act-gets-tougher.html

Wolfe Wealth & 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 1/5/2026

⛽ The conflict in Iran is already pushing up oil and gas prices, filtering through to everyday costs for UK consumers. With inflation expected to rise further and borrowing becoming more expensive, many households are feeling the impact.

Explore how global events are influencing inflation, interest rates and consumer costs — and what this could mean for the year ahead: https://www.wolfewealth.co.uk/article/detail/sjpp/iran-conflict-what-rising-oil-prices-mean-for-uk-households.html

Wolfe Wealth & 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 1/4/2026

📅 As the new tax year begins, check you’re making the most of your personal allowances and reliefs.

This round-up walks through the important tax changes, for individuals and businesses, to help you plan for the year ahead and beyond: https://www.wolfewealth.co.uk/article/detail/sjpp/new-tax-year-round-up-of-rate-and-allowance-changes.html

Taxation rules can change at any time and are dependent on individual circumstances.
Wolfe Wealth & 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 17/4/2026

Funding options for small businesses

It’s becoming easier for small and medium‑sized businesses to access finance! ✨

Lenders are opening up again, interest rates are starting to come down, and businesses now have more choice over where they borrow from and the type of funding that suits their needs.

This article looks at what can help when applying for finance or refinancing.

Find out more: https://www.wolfewealth.co.uk/article/detail/sjpp/funding-options-for-small-businesses.html

Wolfe Wealth & 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 2/3/2026

Preparing for the unexpected: protecting your income in illness

Illness or injury can create significant financial pressure if you’re unable to work for a
period of time.

In today’s economic climate, with living costs rising and increased demand on the NHS,
many people are considering how protection insurance could provide a financial safety
net for themselves and their families.

This article outlines the main types of cover available, including income protection and
critical illness cover, as well as the factors that can influence cost and how payouts are
usually treated for tax purposes.

Read more: https://www.wolfewealth.co.uk/article/detail/sjpp/preparing-for-the-unexpected-protecting-your-income-in-illness.html

Wolfe Wealth & 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 26/2/2026

Buy-to-let - are the tax benefits still worth it?

🏠 Buy-to-let is not the easy win as it once was. Rising rents, tougher tax rules, higher costs - and now big tenancy law changes - are reshaping the way landlords operate.

Here's what today's buy-to-let portfolio owners are facing: https://www.wolfewealth.co.uk/article/detail/sjpp/buy-to-let-are-the-tax-benefits-still-worth-it.html

Wolfe Wealth & 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 25/2/2026

Dividends vs salary - why getting it wrong can hurt

With self‑assessment out of the way, lots of directors are taking a fresh look at how they pay themselves.

Dividend tax rates have increased in recent years, and the old “dividends first” approach isn’t always the best fit anymore. Getting the balance right between salary and dividends can also help with things like pensions, benefits and long‑term financial planning.

👉 Find out what’s changed and why it matters: https://www.wolfewealth.co.uk/article/detail/sjpp/dividend-vs-salary-why-getting-it-wrong-can-hurt.html

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.

Wolfe Wealth & 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 25/2/2026