{"id":4559,"date":"2016-05-02T13:30:11","date_gmt":"2016-05-02T12:30:11","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/?page_id=4559"},"modified":"2020-07-07T16:14:14","modified_gmt":"2020-07-07T15:14:14","slug":"key-guides","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/resources\/key-guides\/","title":{"rendered":"Key Guides"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-4559\" data-postid=\"4559\" class=\"themify_builder_content themify_builder_content-4559 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_2333f7e tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_2f641b2 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_ea2a975   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Key Guides<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_84f594c \" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><h3><img decoding=\"async\" class=\"alignright size-full wp-image-7067 lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_keyguides.jpg\" alt=\"\" width=\"230\" height=\"200\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 230px; --smush-placeholder-aspect-ratio: 230\/200;\" \/>Sky Blue Wealth Management Key Guides are easy-to-read, full of useful information and free to download. They cover 12 key areas.<\/h3>\n<h3>For further information and to view a Key Guide click on the relevant link below.<\/h3><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_eaea379\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_ede3515 first\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_72g7226 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7107 themify_builder not_editable_builder in_the_loop\" data-postid=\"7107\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_uiy8370 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_ip0n887 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_87qm427 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-87qm427-0\" class=\"tb_title_accordion\" aria-controls=\"acc-87qm427-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investment planning and asset allocation<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-87qm427-0-content\" data-id=\"acc-87qm427-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investmentplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7059 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers7.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>NO LONGER JUST AN ART FORM<\/p>\n<p>Investment planning is now more of a science than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?<\/p>\n<p>Investment planning and asset allocation is a multi-stage process. The actual execution of investment transactions is virtually instantaneous, but the decisions behind them need time and should not be hurried. There are many different approaches to the investment planning and asset allocation process, but most will broadly follow the step-by-step framework explained in this guide.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investmentplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_tzof198 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7110 themify_builder not_editable_builder in_the_loop\" data-postid=\"7110\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_u7ci220 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_hwnq886 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_00us513 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-00us513-0\" class=\"tb_title_accordion\" aria-controls=\"acc-00us513-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">You and yours \u2013 estate planning<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-00us513-0-content\" data-id=\"acc-00us513-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-EstatePlanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7053 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>ESTATE PLANNING \u2013 TOO IMPORTANT TO PUT ON HOLD<\/p>\n<p>All too often, people put off estate planning. This is understandable as, rather than preparing for the here and now, it requires you to consider what will happen when your life is over, hardly something most of us rush to contemplate.<\/p>\n<p>Consequently, estate planning often becomes, and all too often remains, a do-it-tomorrow task. When it could suddenly become all-important it might be too late. After all, accidents and illnesses can and do happen.<\/p>\n<p>This guide will help you prepare effective plans that will help ensure you control what happens to your estate.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-EstatePlanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_vxfm63 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7113 themify_builder not_editable_builder in_the_loop\" data-postid=\"7113\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_wmhm070 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_kzkc490 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_gfci377 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-gfci377-0\" class=\"tb_title_accordion\" aria-controls=\"acc-gfci377-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">The financial planning journey<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-gfci377-0-content\" data-id=\"acc-gfci377-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7055 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers3.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>WHAT CAN FINANCIAL PLANNING DO FOR YOU<\/p>\n<p>Financial planning can help everyone. It isn\u2019t reserved for the rich, or sophisticated investors, because we all want to make sure we are making the most of our money.<\/p>\n<p>Whether it\u2019s making a retirement plan, investing to provide for your children\u2019s education or preparing for retirement, financial planning can help everyone across their lives.<\/p>\n<p>A good financial adviser should be a trusted partner who can help you achieve your financial aspirations and protect those you care for through the changing circumstances of your life and potentially in the event of disaster. However, most people don\u2019t really know what financial advisers actually do.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_5wsv144 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7116 themify_builder not_editable_builder in_the_loop\" data-postid=\"7116\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_mysg585 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_nabm000 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_iacm441 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-iacm441-0\" class=\"tb_title_accordion\" aria-controls=\"acc-iacm441-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Taxation of property<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-iacm441-0-content\" data-id=\"acc-iacm441-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Taxationofproperty.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7064 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers12.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>BRICKS AND MORTAR<\/p>\n<p>Becoming a landlord has been an attractive proposition for anyone who could raise a deposit, thanks to a prolonged period of low borrowing costs and generally rising property values. However, interest rates have finally started to rise (they are now the highest they have been for nearly a decade) and uncertainty in the housing market has reduced property prices, particularly across London and the south-East.<\/p>\n<p>Despite these negatives, becoming a landlord may still be an appealing option given the perceived lack of good alternatives, with savings rates remaining low and restrictions on the amount that can be saved into a pension.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Taxationofproperty.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_h386297 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7119 themify_builder not_editable_builder in_the_loop\" data-postid=\"7119\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_ie7m088 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_tim6700 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_sle6544 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-sle6544-0\" class=\"tb_title_accordion\" aria-controls=\"acc-sle6544-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Making the most of ISAs<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-sle6544-0-content\" data-id=\"acc-sle6544-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-MakingthemostofISAs.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7060 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers8.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>AN INTRODUCTION TO ISAs<\/p>\n<p>When Individual Savings Accounts (ISAs) first appeared in 1999, as a replacement for PEPs and TESSAs, they were a relatively straightforward offering. In the 19 years since, complication has set in. The point has now been reached where the May 2018 report on savings tax from the Office of Tax Simplification (OTS) suggested that \u201cthere is scope for a wider full review of the current ISA landscape, to make the regime simpler and more accessible\u201d.<\/p>\n<p>The government\u2019s website says there are only four types of ISA \u2013 cash ISAs, stocks and shares ISAs, innovative finance ISAs, and Lifetime ISAs \u2013 but variants exist for specific investment needs.<\/p>\n<p>This guide will explain how five types work, in order of their original launch date.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-MakingthemostofISAs.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_2m30272 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7122 themify_builder not_editable_builder in_the_loop\" data-postid=\"7122\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_j5yd200 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_numf900 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_1kw1447 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1kw1447-0\" class=\"tb_title_accordion\" aria-controls=\"acc-1kw1447-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Saving for retirement<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1kw1447-0-content\" data-id=\"acc-1kw1447-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Savingforretirement.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7062 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers10.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>THE VALUE IN THINKING AHEAD<\/p>\n<p>Retirement is something most of us look forward to \u2212 particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.<\/p>\n<p>For a start, retirement is now often not the sudden change from work to enforced idleness that it used to be. It has increasingly become a gradual process, with part-time work playing an important role. The latest data from the Office for National Statistics (ONS) show that 13.4% of men and 7.9% of women aged 65 and over are still in employment.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Savingforretirement.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_e36c57b last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_5bvx192 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7125 themify_builder not_editable_builder in_the_loop\" data-postid=\"7125\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_rxvk605 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_r1b8805 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_t7l2615 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-t7l2615-0\" class=\"tb_title_accordion\" aria-controls=\"acc-t7l2615-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investing for Children<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-t7l2615-0-content\" data-id=\"acc-t7l2615-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7057 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers5.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>INVESTING FOR THE FUTURE<\/p>\n<p>Most parents want to help their children financially, whether it is making sure there is enough money for their education or eventually helping them to buy a property. An early objective as they grow up may well be to help children understand the value and importance of money.<\/p>\n<p>Whatever the reason, tax will be a major factor to consider, as will the risks of giving children too much money too soon. It is therefore important for parents and others to appreciate the basic tax and legal rules, and the investment products that are suitable for children to help achieve the goals set for them.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingforchildren.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_cm2f403 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7128 themify_builder not_editable_builder in_the_loop\" data-postid=\"7128\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1kaz702 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_c3tb020 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_y2qv735 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-y2qv735-0\" class=\"tb_title_accordion\" aria-controls=\"acc-y2qv735-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Business succession planning<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-y2qv735-0-content\" data-id=\"acc-y2qv735-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Businesssuccession.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7054 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers2.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>WHEN DISASTER STRIKES\u2026<\/p>\n<p>If you are a business owner, business succession planning and insurance is important. It is simply the process of planning for what you want to happen if you (or your co-owner, if you have one) were to die or fall seriously ill.<\/p>\n<p>If this happens, family and business partners can be left in a complex situation. In some instances, the business ends up in the wrong hands, or in worst cases can fail. These issues apply to sole traders, partners and shareholders in limited companies, and all of this can be avoided with some sensible succession planning.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Businesssuccession.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_o6ep148 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7131 themify_builder not_editable_builder in_the_loop\" data-postid=\"7131\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_ifv2940 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_5987507 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_eevb54 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-eevb54-0\" class=\"tb_title_accordion\" aria-controls=\"acc-eevb54-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Investing tax-efficiently<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-eevb54-0-content\" data-id=\"acc-eevb54-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingtax-efficiently.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7058 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers6.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>THE COMPLEX WORLD OF TAX ON INVESTMENT<\/p>\n<p>The way that investments are taxed has changed over recent years as successive governments have chosen to handle various sources of investment income in different ways. The aim has typically been to increase tax revenues.<\/p>\n<p>Alongside this, the whole tax system has grown increasingly elaborate, thanks to revenue-raising tweaks such as the taxation of child benefit and multiple reforms of dividend taxation. The situation was highlighted in a paper on savings tax from the government\u2019s own Office of Tax Simplification published in May 2018. This noted that, \u201cthe interactions between the rates and allowances is sufficiently complex at the margins that HMRC\u2019s selfassessment computer software has sometimes failed to get it right\u201d.<\/p>\n<p>This guide offers a brief outline of how your investments are taxed. Expert advice is necessary if you require more information or a greater insight into how to cut your tax bill.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Investingtax-efficiently.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_elco322 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7134 themify_builder not_editable_builder in_the_loop\" data-postid=\"7134\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_o9uy209 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_t9ws121 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_bvrc461 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-bvrc461-0\" class=\"tb_title_accordion\" aria-controls=\"acc-bvrc461-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Pensions and tax planning for high earners<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-bvrc461-0-content\" data-id=\"acc-bvrc461-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7061 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers9.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>MITIGATING A GROWING TAX BILL<\/p>\n<p>If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.<\/p>\n<p>Increasing the tax burden for higher earners has been a deliberate policy of successive governments. For instance, the thresholds for phasing out the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_benb400 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7137 themify_builder not_editable_builder in_the_loop\" data-postid=\"7137\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_atop356 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_e2m2906 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_ps0b573 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-ps0b573-0\" class=\"tb_title_accordion\" aria-controls=\"acc-ps0b573-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Financial protection \u2013 for you and your family<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-ps0b573-0-content\" data-id=\"acc-ps0b573-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7056 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers4.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PROTECTING WHAT MATTERS MOST<\/p>\n<p>Most people\u2019s finances are like a house of cards, with their ability to earn an income acting as the bottom row. Everything else rests upon this bottom layer and, should the worst happen and your income stop, the whole house can come tumbling down. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, if the worst should happen, the right amount of money will reach the right hands at the right time.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Financialprotection.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_t482282 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7139 themify_builder not_editable_builder in_the_loop\" data-postid=\"7139\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7f0e065 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_wgss000 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_dkzm708 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-dkzm708-0\" class=\"tb_title_accordion\" aria-controls=\"acc-dkzm708-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Taking income at retirement<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-dkzm708-0-content\" data-id=\"acc-dkzm708-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7063 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers11.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PLANNING THE LONGEST HOLIDAY OF YOUR LIFE<\/p>\n<p>There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.<\/p>\n<p>The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions.<\/p>\n<p>This guide will help you understand the key issues and decisions that will affect your income after retirement.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <\/div>\n                <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_c4a554e last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_nh5x159 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\"><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_db8i857 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-8337 lazyload\" title=\"investing for children_sb\" alt=\"investing for children_sb\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\" class=\"feature-posts-title\">Investing for Children<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11424 lazyload\" title=\"A noisy first quarter but what are the results\" alt=\"A noisy first quarter but what are the results\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\" class=\"feature-posts-title\">A noisy first quarter but what are the results?<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11419 lazyload\" title=\"Weighing up the incentives and disincentives of your tax bill\" alt=\"Weighing up the incentives and disincentives of your tax bill\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\" class=\"feature-posts-title\">Weighing up the incentives and disincentives of your tax bill<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11416 lazyload\" title=\"House prices versus inflation\" alt=\"House prices versus inflation\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\" class=\"feature-posts-title\">House prices versus inflation<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11413 lazyload\" title=\"State pension age hits the 67 threshold\" alt=\"State pension age hits the 67 threshold\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\" class=\"feature-posts-title\">State pension age hits the 67 threshold<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_1bdd978 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n    <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7326\" class=\"post tf_clearfix testimonial-post post-7326 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">Provide very sound advice<\/h1>\n\t\t\t\t\t\n\t\t\t\t\tI\u2019ve known Graham for some 25 years and during that long period of time had the privilege of seeing Graham acquire a deep wealth of experience and knowledge in Financial Planning which has enabled him to support his clients for many many years. More recently my family have been able to directly benefit from his valued experience to guide us through our future plans. We now feel confident in our future with Graham helping us on that journey.\r\n\r\nI was very supportive of Graham establishing Sky Blue Wealth Management as this allows him the ability to dedicate all his energies, knowledge and experience in supporting his clients and their families. Very approachable, very personable but crucially able to provide very sound advice on financial planning. I would thoroughly recommend Graham to anyone that is seeking a professional and very personal expert to help manage their financial affairs.\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/provide-very-sound-advice\/\" title=\"Provide very sound advice\">&mdash; <span>Linda Taylor<\/span><\/a><span class=\"testimonial-title\">Senior Vice President \u2013 Banking<\/span>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Key Guides<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4399,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4559","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<h1>Key Guides<\/h1>\n<h3><img decoding=\"async\" src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_keyguides.jpg\" alt=\"\" width=\"230\" height=\"200\" \/>Sky Blue Wealth Management Key Guides are easy-to-read, full of useful information and free to download. They cover 12 key areas.<\/h3> <h3>For further information and to view a Key Guide click on the relevant link below.<\/h3>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4559"}],"version-history":[{"count":0,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4559\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4399"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}