Coen & Clark Financial Planners

🎄 Christmas Office Closure 🎄

Please note our office will be closing from 12pm on Wednesday 24th December and will reopen at 9am on Friday 2nd January.

Wishing all our clients a very Merry Christmas and a Happy New Year ✨🎅

What happens to your pension when you're no longer here?

Changes announced in Labour's first 2024 Autumn Budget mean that from April 2027, any inherited pension funds may be liable for inheritance tax.

Find out what this means for you:https://www.coenandclark.co.uk/article/detail/sjpp/can-i-pass-on-my-pension-when-i-die.html

Ten years ago, I made the bold decision to leave a successful career in the City as a Finance Director and take a leap of faith by starting my own financial planning practice with St. James’s Place.

The journey hasn’t always been easy - there have been challenges and valuable lessons along the way - but today I’m proud to be celebrating a decade of doing what I truly value: serving as a trusted adviser.

Over the past ten years, I’ve had the privilege of guiding individuals, families, and business owners in achieving their financial goals and shaping their futures.

When it comes to investing, blocking out external noise is often the foundation of long-term success. But in time full of financial noise, it can be hard.

Learn more here: https://www.coenandclark.co.uk/article/detail/sjpp/investing-the-skill-in-doing-almost-nothing.html

If you're a business owner, you may have wondered when is the right time to sell your business. It may be sooner than you think.



👉Explore why it's beneficial to plan your exit as early as possible: https://www.coenandclark.co.uk/article/detail/sjpp/what-is-the-right-age-to-think-about-selling-your-business.html

We may not enjoy talking about death, or taxes, but one thing’s for certain - nobody wants to pay any more Inheritance Tax than they have to.

Learn how you can reduce your IHT bill and leave more to your loved ones: https://www.coenandclark.co.uk/article/detail/sjpp/how-to-mitigate-your-inheritance-tax-bill.html

Whether you’ve got 20 years before you retire or just a few, it’s important to have an idea of just how much money you’ll need for a comfortable lifestyle once you stop earning a regular salary:

https://www.coenandclark.co.uk/article/detail/sjpp/whats-the-cost-of-a-comfortable-retirement.html

Annuities are back in fashion again. But are they right for your retirement planning?

In this article, SJP's Head of Advice, Claire Trott looks at the pros and cons:

https://www.coenandclark.co.uk/article/detail/sjpp/essential-guide-to-annuities-what-you-need-to-know-for-retirement-planning.html

Saving for retirement might not be something you think about starting in childhood, but creating a pension for your children – even though they're decades away from retirement – can set them up for future financial wellbeing:

https://www.coenandclark.co.uk/article/detail/sjpp/pensions-for-children-what-you-need-to-know.html

If there’s one word to describe the UK tax system, it’s ‘complicated’.

Regulations can change frequently and even if you’re more informed than most of us are, it’s easy to misinterpret the rules, and end up make some expensive mistakes.

Especially if you walk into a 60% tax trap without realising:

https://www.coenandclark.co.uk/article/detail/sjpp/how-you-can-beat-the-60-tax-trap.html

🌟 We’re Back! 🌟

Our team is refreshed and ready to go! After a well-deserved break, the office is now open and back to normal operations.

We’re excited to reconnect and continue providing the best service possible.

Thanks for your patience — we’ve missed you! 💼✨