Ranald Hall - Financial Adviser at Gilson Gray Financial Management

After an incredibly busy few months, my out of office is on for the next few weeks.

I’m looking forward to spending some quality time with Courts and the kids exploring Sussex and Devon.

See you all once I’m back!

📈 This week’s Week Watch is now live.

Bringing you the latest insights from the world of investing, pensions and personal finance.

This week covers:

🌍 The latest developments in global markets and what investors are watching.
📊 Why inflation and interest rates continue to shape the outlook for the economy.
💷 Updates that could affect your pension and long-term financial planning.
📈 A reminder of why staying focused on your long-term goals matters more than reacting to short-term headlines.

With so much happening in the financial world, it can be difficult to separate the important news from the noise. Week Watch brings together the key stories in one easy-to-read update.

📖 Read the full article here - https://www.gilsongrayfinancial.co.uk/article/detail/sjpp/weekwatch-20-07-2026.html.

One of the highlights of our trip to Aberfeldy was visiting the Scottish Crannog Centre.

It’s somewhere I used to visit as a child with my auntie, so it was special to go back with my own family.

After the original crannog was destroyed by fire a few years ago, they’ve been carefully rebuilding it using traditional methods.

We visited last year when there wasn’t much to see above the water. Most of the work was in the foundations. Unless you knew what was being built, it was hard to imagine what the finished result would look like.

This year was completely different.

The structure has taken shape and you can finally see the vision becoming a reality.

It reminded me that the most important work often happens long before anyone sees the end result.

The same is true of financial planning.

When you’re making regular pension contributions, investing for the future or building up savings, it can sometimes feel like nothing is happening.

Progress isn’t always obvious.

But every contribution is another part of the foundation.

With time, patience and a clear plan, those small building blocks can become something far greater than you first imagined.

The best time to start building is long before you need the finished result.
The value of your investment can go down as well as up. You could get back less than you invested.

Gilson Gray Financial Management 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). Gilson Gray Financial Management is a trading name of Gilson Gray Financial Ltd.

SJP Approved 09/07/2026

📈 This week’s Week Watch is now live.

Bringing you the latest insights from the world of investing, pensions and personal finance.

This week covers:

🌍 The latest developments in global markets and what they’re telling us.
📊 Why inflation and interest rate expectations remain firmly in focus.
💼 Key economic updates that could influence investors in the months ahead.
💡 Why keeping a long-term perspective continues to be one of the most important investment decisions you can make.

With markets constantly reacting to economic news, it’s easy to get caught up in the headlines. Week Watch cuts through the noise and highlights the stories that matter most.

📖 Read the full article via this link https://www.gilsongrayfinancial.co.uk/article/detail/sjpp/weekwatch-13-07-2026.html.

📈 This week’s Week Watch is now live.

Bringing you the latest insights from the world of investing, pensions and personal finance.

This week covers:

📊 What the latest US jobs data could mean for interest rates and markets
🌍 Why investors are looking beyond the headlines as market leadership continues to shift
🏡 A closer look at the proposed First-Time Buyer ISA and what it could mean for future homeowners
💷 Why the FCA is urging some pension providers to improve value for savers with older pension plans

One of the biggest takeaways this week is that while markets continue to react to economic news, staying focused on your long-term financial plan remains just as important. Small changes today can have a significant impact over time. (Partnership)

As always, Week Watch provides a straightforward summary of the stories shaping the financial landscape and what they could mean for you.

📖 Read the full article via this link https://www.gilsongrayfinancial.co.uk/article/detail/sjpp/weekwatch-06-07-2026.html

I celebrated my 39th birthday this weekend in a way we’d been looking forward to for a long time.

We packed up the van and headed to Aberfeldy for our first family trip away.

Buying a van had been something we’d talked about for years. After plenty of planning and deciding the time was right, it was brilliant to finally make it happen.

Sitting back with a coffee, watching the kids play and having nowhere else we needed to be was a great reminder that some of life’s best moments are actually the simplest ones.

As another year passes, I’m feeling incredibly grateful for my family, the memories we’ve already made, and all the adventures still to come.

It’s easy to get caught up chasing the next thing, but sometimes it’s worth stopping to appreciate the things you’ve been looking forward to for years.

Here’s to another year of making memories. 🚐🎉

One of the best parts of my job is helping my clients to pass on their wealth to the next generation. Especially when you can see how much of a positive impact it will have on their lives.

One of my clients has an Inheritance Tax Problem. As part of our strategy to reduce the potential tax on her estate, she gifted an investment to her niece and her husband.

This couldn’t have come at a better time as their family had outgrown their home and they were desperately needing to move.

We established it would make most sense to use the gift to repay part of their mortgage. This would give them more equity to use towards the move while reducing their repayments, allowing them to save towards their new home.

I worked out the most efficient way for them to draw the funds they needed from the investment, saving them thousands of pounds in tax. I also advised them on some small but powerful changes they could make to improve their day to day finances ahead of the move.

This gift has brought their home move forward by several years and will eventually reduce the Inheritance Tax payable on my client’s estate – a real win/win!

If you’re thinking about passing on your wealth to the next generation, get in touch and I’d be glad to chat your plans through with you.

Gilson Gray Financial Management 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). Gilson Gray Financial Management is a trading name of Gilson Gray Financial Ltd.

SJP Approved 05/06/26

📈 This week’s Week Watch is now live.

Bringing you the latest insights from the world of investing, pensions and personal finance.

This week covers:

🌍 How global markets are continuing to navigate geopolitical uncertainty
📊 Why investors remain focused on inflation and interest rate expectations
💷 The latest developments affecting the UK economy and financial markets
💡 Practical insights to help you stay informed without getting lost in the headlines

One of the biggest reminders this week is that while the news cycle moves quickly, successful investing is built on keeping a long-term perspective rather than reacting to short-term events.

As always, Week Watch provides a straightforward summary of the stories shaping the financial landscape and what they could mean for investors.

📖 Read the full article via this link https://www.gilsongrayfinancial.co.uk/article/detail/sjpp/weekwatch-29-06-2026.html

This was a lovely surprise to see today.

Being named a VouchedFor Top Rated Adviser and featured in The Telegraph is something I’m very grateful for.

The recognition itself is nice, but what makes it special is that it’s based entirely on client feedback.

Thank you to everyone who has trusted me with some of life’s biggest financial decisions and taken the time to leave a review.

Your support means a great deal.

Now, I think I need to pick up a copy of The Telegraph on the way home! 😊

We are delighted to announce that Ranald Hall of Gilson Gray Financial Management has been selected for inclusion in the VouchedFor Top Rated Financial Adviser Guide, published in The Telegraph.

This recognition is particularly meaningful because it is based on independently verified client feedback. Advisers featured in the Guide have demonstrated consistently high standards of service, earning outstanding reviews and trust from the clients they support.

The VouchedFor Top Rated Guide is one of the UK's largest celebrations of trusted financial advice, helping consumers identify advisers who have made a genuine difference through exceptional client care and professional expertise.

Congratulations to Ranald on this well-deserved achievement, and thank you to all of his clients who took the time to share their experiences and feedback.