The Lowdown Newsletter Winter 2025 (Q1)

Winter 2025 Newsletter

The Lowdown Welcome As we begin a new year, I’m proud to share some exciting updates and achievements from our team. We recently welcomed new members to our growing company and we continue to make a difference in the local community through our charitable efforts. Our efforts include a clothing and essentials donation to the people of Wrexham, and participating in the Glasgow Hyrox competition for Macmillan Cancer Support. We are also celebrating some remarkable personal achievements across the sporting and academic spaces.

In other news, St. James’s Place have been making updates to improve your online experience and will be implementing a new process for viewing your Online Services - the details have been outlined in this issue. As we approach tax year-end, we have some helpful resources, including an upcoming webinar and article, to guide you and your loved ones through this critical period.

We are excited to share these updates and I couldn’t be prouder of the collective efforts of our team. Thank you for your continued support as we work together towards another successful year!

Best wishes,

Warren Hadlow, Director

STAFF NEWS

CHARITY NEWS

Team Expansion

New Year Donation

We are thrilled to introduce two new members of our paraplanning team who will bring a fresh new energy and expertise to our company.

We are proud to share that our company organised a donation to the Wrexham Outreach Team for those living on the streets of Wrexham. We donated essential toiletries, socks, underwear, and dog food which are constantly in demand at the charity. This initiative reflects our commitment to giving back and supporting vulnerable members of our community.

We would like to extend our heartfelt thanks to the hard work of Wrexham Outreach Team who make a meaningful difference in the lives of those in need.

First, we welcome Jasmine Robinson.

Jasmine brings her many years in financial services and paraplanner experience to Hadlow Edwards.

We are also excited to welcome Charlotte Clarke who has come from a Wealth Management background and is DipPFS qualified.

I hope you will join us in giving them both a warm welcome as they help us continue to provide exceptional service to our clients.

STAFF NEWS

Marathon Victory Case Manager, Samantha Coffin, and Financial Adviser, Adam Tilston, triumphed in their first marathon in the Chester Marathon in October of last year. Their dedication, perseverance, and months of training leading up to the event truly paid off to give them to reach this incredible milestone.

CHARITY NEWS

Charity Hyrox Race We are excited to share that two of our Paraplanning team, Chantel Moore and Grace Chester, are gearing up to compete as a double in the Glasgow Hyrox Competition on 13th-16th March in aid of Macmillan Cancer Support.

Hyrox tests strength, endurance, and determination – and Chantel and Grace have been training hard to take on the challenge.

They will each have to complete a 1km run, followed by 1 functional workout station to be completed between them, repeated 8 times. The functional workout stations included are: 1000m Ski Erg 50m Sled Push 50m Sled Pull 80m Burpee Broad Jumps 1000m Rowing 200m Farmers Carry 100m Sandbag Lunges 100x Wall Balls “We both wanted to challenge ourselves this year. We have been going to the gym occasionally before now, but we wanted to push ourselves to work as hard as we possibly could and Hyrox has given us the motivation to do that.

It is an event that anyone can take part in, but it is very physically demanding so it has been a real test of character having to increase our training to be able to take on the challenge. As two people who aren’t runners, this is going to be particularly challenging as there is 8km worth of running involved.

We applied for a charity place on a whim and, as we were selected by the charity to take one of their spaces, we have been working hard to raise as much as possible for this amazing cause and do it justice. We know how important the work that Macmillan does for a lot of people, so we hope to do them proud and smash the fundraising and the event!”

Grace Chester, Paraplanner, & Chantel Moore, Assistant Paraplanner Team Leader

We are incredibly proud of their commitment to both the competition and this meaningful cause. Please join us in cheering them on and, if you’re able, supporting their fundraising efforts by donating to their JustGiving page using the link below or the QR code opposite: www.justgiving.com/page/grace-chantel-hyrox2025

Sam completed her run in an incredible 3 hours 35 minutes. “I felt very stiff at the end but overjoyed to have accomplished running the furthest distance I have ever run. The training was a real challenge and to say there were many tears along the way would be an understatement! I was relieved to have completed it, and very proud of the time I did too.

Having suffered injuries in my training previously, I was spurred on by completing the Chester Half Marathon in May, and I wanted to keep my momentum going to reach the next level to say I was a Marathon runner too.

I have now signed up to another Half Marathon and my ultimate goal is to complete the London Marathon.”

Adam had a similar experience, completing the Chester Triple with his run: “It was such a great experience for my first marathon; I was surprised to have enjoyed it as much as I did. The hardest part for me was the dedication to the training, particularly when it came to the higher mileage weeks where it became normal for me to run a half marathon after a long day’s work. I am thankful that my training was able to be done in the light nights of the summer months, which made the evening runs much more bearable. I am excited to see what comes next!”

COMPANY NEWS

Exam Success Congratulations are in order for Team Leaders Shirley Gleadhill, Emily Mooney, and Lucy Iball, and Paraplanner, Grace Chester, on their recent academic achievements. Shirley and Emily earned their Level 3 qualification in Leadership and Management, Lucy passed her CII Personal Taxation exam, and Grace passed her CII Financial Protection exam.

Their hard work and enthusiasm for furthering their skills and education is inspiring and we are incredibly proud of their accomplishments. We are excited to see how their new skills will benefit both the team and our clients.

Well done to all four for their incredible achievements!

STAFF NEWS

MARKET NEWS

IronWoman

Tax Year-End Mythbuster When it comes to managing finances, everyone has a perspective – whether it’s on building a solid pension, saving on taxes, or selecting the right investments. And while seeking advice is a good habit, it’s essential to filter through the noise. Not every tip you hear is grounded in fact. Here are a couple of common myths around financial advice that we can cut through the clutter and debunk, helping you build habits based on trusted information.

MYTH: “I am too young to start thinking about a pension” FACT: Starting a pension doesn’t mean you’re about to stop work. But starting one early means that when you do, you should have a considerable pot of money. So, you’re never too young. The longer you save, the more you have the potential to benefit from compound interest. And you get the benefit of tax relief for longer too. Tax relief is where the government also contributes up to a certain amount, so your pension is a tax-efficient place to put your money.

We're delighted to share the success of our Paraplanner Team Leader, Lucy Iball, who competed in the Ironman 70.3 World Championships in New Zealand in December.

Lucy finished an incredible 53rd in her age group, managing an explosive start and coming out of the first leg of the swim in 2nd place in her age group.

"I am so proud of myself. There have been many times over the last 12 months that I didn't think I would make it to the start line through post-viral fatigue, injury, and other health issues, but I got there in the end. It may not have been the perfect race, but I am so proud to have been on the start line racing with the best of the best and giving it everything I had on the day."

Well done Lucy!

MYTH: “Tax year-end is something for accountants, not me” FACT: Tax year-end – 5th April – is much more than a date. It’s an opportunity. Almost all of us have tax-free allowances and many of those are annual. After 5th April each year, your annual personal allowance, ISA allowance, pension contribution allowance and gifting allowances all reset to zero – so tax-savvy savers max out their ISAs, top up their pension or make gifts to loved ones before tax year-end.

Which makes 5th April a definite ‘Save the Date’.

Let us know if you have any other myths you would like busting!

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 generally dependent on individual circumstances.

Any tax relief over the basic rate is claimed via your annual tax return.

MARKET NEWS

Are you ready for Tax-Year End? Topics covered: Ticking off your Year-End Tax Checklist with ease Exploring tax-saving opportunities tailored to you Preparing for inheritance tax considerations Reviewing personalised business and income tax insights Conducting a supportive financial health check DATE: Thursday 6th February 2025 TIME: 12:30 to 13:30 Speakers: Niki Patel | Financial Tax Specialist Claire Trott | Divisional Director - Retirement and Holistic Planning, Technical Connection Just like building a fitness routine strengthens your body, smart tax planning builds a secure financial future.

Our webinar, Ready for Tax Year-End? is here to help you make confident decisions and establish strong habits for years to come.

Start building your financial muscle today by joining this session, where you’ll learn practical strategies to grow your confidence and set yourself up for success.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.

If you, or someone you know, would like to hear from our SJP experts as they discuss the personal and business tax year-end opportunities to consider, you can register for the webinar here or by scanning the QR code opposite.

CLIENT NEWS

Retirement of the Online Wealth Account SJP’s Online Services has grown, and continues to grow, with new features and improvements that evolve with our clients’ needs. With this in mind, the original Online Wealth Account will be decommissioned on the 23rd May and the New SJP Online Services will be the principal way in which you can access your accounts.

If you aren’t registered for Online services at all and you would like to be, you can use the following instructions to do so. You will be able to view current values, find helpful graphs showing past and current performance, and see all correspondence relating to your SJP accounts.

The New SJP Online Services enables you to register and use the same login details across any device mobile, tablet, or laptop. The fresher, simpler design from the mobile app has been extended to the laptop and tablet views to make it even easier to navigate.

How to sign up to the New Online Services You will need to make sure you have any of your SJP plan numbers, and your passport or driving licence, to hand for the registration process. You will also be asked to take a photo or upload an image of yourself.

If you have already downloaded and registered for the SJP App on your mobile - great! You can continue to use your app and you will now be able to use your login details on your laptop or tablet as well.

Download the SJP App Go to your device’s App Store and search ‘SJP App’, or you can scan the QR codes below.

If you are currently only registered for the original Online Services, you will need to make sure you sign up to the New Online Services before the 23rd May to continue to access your accounts seamlessly and, if you have opted for paperless, to make sure this preference is translated. If you register after this date, you will need to reset your preferences to paperless again.

Follow the link online Visit https://online.sjp.co.uk, click ‘sign up’ and then follow the instructions on screen.

If you would like to know more about any of these topics, or if you or someone you know would like a no obligation financial review, please feel free to get in touch with us.

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The Old Brewery, Central Road, Wrexham, LL13 7SU

01978 311611

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Hadlow Edwards is a trading name of Hadlow Edwards Wealth Management Ltd. Hadlow Edwards Wealth 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) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.

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SJP Approved 29/01/2025