Tilikum Wealth Management Ltd

22/10/2026

Your pension could play an important role in your retirement plans, but have you considered how it fits into your wider estate planning?

With changes to the inheritance tax treatment of unused pensions due from April 2027, now may be a good time to review how your pension, business and family wealth plans work together.

🔗 https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/business-owners-could-new-pension-and-iht-rules-affect-your-succession-plans

Tilikum Wealth Management Limited 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 21/10/2026

20/10/2026

Changes to inheritance tax rules could affect how pension wealth is passed on to loved ones.

This article explores what the changes could mean in practice, including where inherited pension funds may be subject to both inheritance tax and income tax, and some of the planning considerations worth discussing.

Read more: https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

Tilikum Wealth Management Limited 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 16/10/2026

13/10/2026

From April 2027, most unused pension funds will be included in an estate for inheritance tax purposes. For many families, this could reshape how they think about drawing an income in retirement and passing wealth to future generations.

This article explores the implications of the new rules and why some retirees may face a new dilemma: preserve their pension or spend it?

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/the-new-retirement-dilemma-preserve-or-spend-your-pension

Tilikum Wealth Management Limited 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 01/09/2026

For years, many people viewed their pension as more than just a source of retirement income. It was also a tax-efficient way to pass wealth on to future generations. But changes coming into force in April 2027 could prompt many families to reconsider their retirement and estate planning.

08/10/2026

With the Budget fast approaching, there’s no shortage of speculation about what could be announced, from potential changes to pensions through to support for first-time buyers.

Explore some of the proposals currently making the news and why staying focused on your long-term financial goals is often the most effective approach.

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/autumn-budget-2026-with-a-month-to-go-what-lies-ahead

Tilikum Wealth Management Limited 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 06/10/2026

With less than four weeks before the chancellor John Healey stands up to give his first Budget, leaks about what might be announced have been few and far between.

01/10/2026

Life doesn't always go to plan, and during periods of change it's important to understand the options available to you.

If you own a business, divorce can raise additional questions about ownership, control and long-term financial security. Taking advice early can help you make informed decisions and plan for the future.

🔗 Read more: https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/divorce-proof-your-business

Tilikum Wealth Management Limited 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 22/09/2026

If you’re a business owner, an additional concern may be whether you will be able to retain control and ownership of the business you’ve worked so hard to create. While the answer isn’t as simple as a guaranteed yes, there are actions you can take to protect your business in divorce – while ...

24/09/2026

Small differences in earnings can become much bigger differences over a lifetime.

The gender pay gap, combined with career breaks and lower levels of long-term saving,
continues to contribute to a significant pensions gap for many women.

This article explores why the issue persists and why having a clear plan, taking action and
regularly reviewing finances can help build long-term financial resilience.

👉 https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/closing-the-gap-women-pay-and-pensions.html

Tilikum Wealth Management Limited 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 24/08/2026

The gender pay gap is stubbornly high, with women receiving an average of 7% less than men for full-time work. Women are also more likely than men to take career breaks to care for family members. Both factors play a big part in causing further financial inequality during women’s lives.

17/09/2026

From April 2027, most unused pension funds will be included in an estate for inheritance tax purposes. For many families, this could reshape how they think about drawing an income in retirement and passing wealth to future generations.

This article explores the implications of the new rules and why some retirees may face a new dilemma: preserve their pension or spend it?

🔗 https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/the-new-retirement-dilemma-preserve-or-spend-your-pension.html

Tilikum Wealth Management Limited 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 01/09/2026

For years, many people viewed their pension as more than just a source of retirement income. It was also a tax-efficient way to pass wealth on to future generations. But changes coming into force in April 2027 could prompt many families to reconsider their retirement and estate planning.

04/09/2026

Beating the deadlines: tax dates for business owners

From self-assessment tax returns to Making Tax Digital, business owners face a growing number of tax deadlines and reporting requirements.

This article takes a look at what is coming up:
https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/beating-the-deadlines-tax-dates-for-business-owners.html

Tilikum Wealth Management Limited 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 28/08/2026

Tax deadlines can be easy to overlook when you're focused on running a business. But missing one can result in penalties, added costs and unnecessary admin. Being proactive and staying ahead of tax dates can help you stay in control, avoid penalties and focus on running your business.

01/09/2026

Some good news and the kind I've been looking forward to sharing for a while now.

Julie Eddicott - some of you will know her, some of you will know of her, not least because she rowed the Atlantic while the rest of us were finding reasons not to - is joining Tilikum and bringing her practice across with her. Her PA Anna Hayles is coming too, which the clients who know Anna will be delighted to hear!

I've known Julie for a while now. I stood in as one of her locums during the row, so I've seen how she looks after people when she isn't even in the room. Teaming up made sense to both of us for the same unglamorous reason: it's a better setup for the people we look after, more hands, more cover, more time spent with clients rather than on the admin around them.

Alongside that, Paolo Scalco is joining us as an adviser – he has a wide-ranging background in family offices and corporate transactions before he came into advice - and he'll be working closely with Julie and me as we settle everyone in.

If you're one of the clients coming across to us over the coming weeks, welcome. This has been quietly going on behind the scenes for some time and it’s great to be able to finally confirm it.

Thanks to all those who have worked, supported and helped us with this transition.

27/08/2026

Will the April 2027 pensions and inheritance tax changes affect you?

Under the new rules taking effect on 6 April 2027, most unused pension funds will be included when calculating the value of an estate for inheritance tax purposes.

📩 If you’re unsure how the new rules affect you and how much of your wealth you can pass on, get in touch to talk it through, or read more here:

https://partnership.sjp.co.uk/tilikumwealth/article/detail/sjpp/how-pension-changes-could-affect-your-inheritance-tax-plans.html

Tilikum Wealth Management Limited 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 20/08/2026

For many people, a pension is one of their biggest assets. From April 2027, it could also become an important inheritance tax (IHT) consideration. From this date, most unused pension funds will be included when the value of someone's estate is calculated for IHT purposes.