Miriam Murphy Wealth Management

Bonds are essentially loans made to governments or companies. They typically offer lower potential returns than equities but can add stability to an investment portfolio.

Retirement planning doesn’t have to feel overwhelming. Whether you’re just starting to think about your future or getting closer to retirement, having a clear plan can make all the difference.

From self-invested personal pension’s (SIPP) and retirement planning to drawdown and annuities, I help create tailored strategies designed around your goals and lifestyle, and keep things on track as life evolves.

Want to see where you currently stand? Use the pension calculator on my website (link in bio & below) to get started and explore what your retirement could look like:

https://www.miriammurphy.co.uk/advice-and-services/calculators/pension-calculator [miriammurphy.co.uk]

If you’d like to find out more please don’t hesitate to reach out to me.

Markets don’t just rise in a straight line.

They move up and down, often driven by uncertainty, news and investor behaviour.

Short term falls can feel uncomfortable, but they are a normal part of investing.

Keeping investments aligned to long term goals can help reduce the urge to react to short term noise.

Accountant Vs. Financial Planner 💡
Together, they’re your financial dream team, solid foundation now, clear path ahead 🌟

Last Friday I stepped out of my comfort zone and onto the stage at Aesthetic Medicine London ✨

My talk was titled:
“Your clinic is thriving… but are you building long term wealth?”

The UK aesthetics industry is growing rapidly, with estimates of £5.1bn by 2028.

Working with business owners, I often see the same pattern:

Strong income
Growing businesses
Very little structure around personal wealth

Success in the business doesn’t automatically translate into long term financial security.
It needs to be built deliberately.

Thank you to everyone who came along and to the team for having me.

I’ve shared one of the slides I used on the day as a simple sense check.

If you’re in the aesthetics space and want to get more structure behind what you’re building, feel free to message me.

The Four Pillars of Financial Advice
1️⃣ Financial: Build wealth with purpose - smart structures, tax efficiency, and habits that grow over time.
2️⃣ Portfolio: Your investments should reflect you - your goals, timeline, and comfort with risk.
3️⃣ Emotional: Understand your relationship with money to make confident, clear decisions.
4️⃣ Time: A great adviser gives you back time - turning financial clarity into true freedom.

Interest rates have a ripple effect across everything.

They influence mortgages, borrowing, spending and even investment decisions.

When rates rise, things tend to slow down.

When rates fall, activity often picks up.

It’s one of the key levers used to manage the economy, and it can have a direct impact on your finances.

It’s easy to feel confident when everything is going well.

The real value is having a plan that holds steady when things feel uncertain.

Markets move. Life changes.

What matters is having the right structure in place, so you don’t have to second guess every decision.

Your clinic is thriving.
But is it actually building wealth for you?

I’m so excited to be speaking at Aesthetic Medicine London this May about the financial side of running a successful clinic that can often get overlooked 👇

Busy clinics
Strong income
Constant growth

…but very little time to step back and structure what all of that success is actually building.

And a lot of money sitting in the business, not working as hard as it could.

In this session, we’ll cover:
• How to start structuring what you’re earning properly
• What to do with cash sitting in your business
• The key things that can make a real difference over time

Because building a successful clinic is one thing…
but making sure it actually builds long-term wealth for you is another.

📍 Olympia London
🗓 8th May | 13:40–14:20

Register here:
https://aestheticmed.co.uk/am-london

Paying more tax than necessary? You might not need to.

There are simple, fully legal ways to reduce your Corporation Tax, from pension contributions to smarter income strategies and claiming the right allowances.

If you’re a business owner, it’s worth making sure you’re not leaving money on the table.

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. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

Equities are simply shares in companies. When those companies grow, investors can benefit from that growth.

They can move up and down in the short term, but have historically played a key role in long term investing.

Spreading your money across different companies and sectors is key, as it helps reduce the risk of relying too heavily on any one investment.