Cleeve Financial Planning

31/10/2026

29/10/2026

Following the Autumn Budget, you may be wondering what the announcements could mean for you and your finances.

Take a look at the latest update here: https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/the-2026-autumn-budget

Cleeve Financial Planning 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 28/10/2026

23/10/2026

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/cleevefp/article/detail/sjpp/pensions-and-iht-the-double-tax-trap

Cleeve Financial Planning 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

For years, pensions have offered a valuable tax advantage alongside retirement income, enabling people to pass on wealth to the next generation. But from April 2027, changes to inheritance tax (IHT) rules could mean some families face a significantly larger tax bill than they expected.

21/10/2026

In the latest Investment Insights, Justin Onuekwusi explores the "winner's curse" and what the evidence tells us about fund performance. He explains why patience, diversification and maintaining a long-term perspective remain important principles for investors.

Read the latest Investment Insights: https://partnership.sjp.co.uk/cleevefp/article/detail/sjpp/investment-insights-the-curse-of-the-winner-uk

Cleeve Financial Planning 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

18/10/2026

Recognise the pain. Make space to listen.

Sunday 18 October is World Menopause Day. This year, the International Menopause Society is highlighting “Chronic Pain at Midlife” and the importance of better recognition and care.

Pain during and after the menopause transition deserves to be taken seriously. Everyone’s experience is different, and listening without judgement matters.

At Cleeve Financial Planning, we’re marking the day by sharing information to help raise awareness and encourage understanding.

Explore the International Menopause Society’s factsheet and campaign resources:
https://www.imsociety.org/education/world-menopause-day-2026/

16/10/2026

Our team is growing! 😊

We’re delighted to welcome Ellie and Aaryan to Cleeve Financial Planning.

It’s lovely to have two new faces around the office, and we’re looking forward to getting to know them both as they settle into life at Cleeve.

Starting somewhere new is an exciting chapter, and we’re so pleased they’ve chosen to begin theirs with us.

Welcome to the team Ellie and Aaryan!

16/10/2026

Welcome home Courtney! 😊

After a short spell on ‘the dark side’ 😉, we’re delighted to welcome Courtney back to Cleeve Financial Planning, joining our practice administration team.

Courtney returns with exciting ambitions: her goal is to study for her Level 4 advice exams, then progress through our academy, working towards becoming a fully qualified financial adviser.

We’re so pleased to have her back with the team and look forward to supporting her as she takes those next steps.

Welcome back Courtney. Here’s to your next chapter!

13/10/2026

🐾Meet Barnie, our Operations Manager Jo’s four legged nephew, who popped into the Cleeve Financial Planning office today. 😍🐾

🐾He’s a nine-week-old Sprocker, a Springer Spaniel and Cocker Spaniel cross, and with those floppy ears and that little face, how could we resist sharing a few photos?

🐾A very welcome visitor, although we might need to work on his office etiquette before putting him in charge of the stationery!

10/10/2026

Saturday 10th October is World Mental Health Day. This year’s WHO theme is “Lived experiences heard: real voices, real change”.

It’s a reminder that people with lived experience of mental health conditions should help shape the support, services and decisions that affect their lives.

At Cleeve Financial Planning, we’re marking the day by encouraging understanding, kindness and conversations without judgement. Everyone’s experience is different. Taking time to listen matters.

Find out more about this year’s campaign:
https://www.who.int/campaigns/world-mental-health-day/2026

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.

Cleeve Financial Planning 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.