The Lowdown
Welcome
I’m thrilled to introduce this edition of our newsletter, filled with exciting updates and achievements. Firstly, congratulations to our team who have passed their recent exams your continued hard work is inspiring We’re also welcoming the arrival of our newest members into the fold and celebrating outstanding success in the equestrian ring
Don’t miss the details on the upcoming post-budget webinar, where St James’s Place experts will discuss how the changes might affect you You can also learn how to download the SJP app for a convenient way to access your plans
We’re proud to have been part of the commemoration of the 90th anniversary of the Gresford Mining disaster project recently, and we invite you to take part in our 2025 calendar photography competition where we would love to see your creativity!
Thank you for being a part of our community Enjoy the newsletter and let’s continue to achieve great things together!
Best wishes,
Warren Hadlow, Director
Hey, Jude!
We’re delighted to announce the arrival of our newest team member! Congratulations to Richard Hadlow Powell on the birth of his beautiful
baby boy and, of course, to now threetimes grandad, Warren We couldn’t be happier for their family and we look forward to supporting Rich during this exciting chapter We can’t wait to see the little one grow and thrive in our extended work family!
Exam Success
Wearethrilledtocongratulatethreeofourteam membersontheirrecentexamsuccesses
AhugewelldonetofinancialplannersAdamTilston andAsherFeatherforpassingtheirCF8exams, demonstratingtheirexpertiseinlong-termcare insuranceplanning
WealsowanttocelebrateSamCoffinforsuccessfully completingherR05exam,showcasingherknowledge infinancialprotectionplanning
Theseachievementshighlightourteam’scommitment toprofessionalgrowthandexcellenceinservingour clients We’reproudtosupporttheiraccomplishments andlookforwardtoseeingtheircontinuedsuccess Congratulationstoallthreeofyou!
Open-Minded
Having conversations with a financial planner can open your mind to new opportunities, including tailoring your plans for retirement They can help you to uncover strategies that you might not be aware of which will help you to reach your goals and they can make sure that you are utilising the benefits that are available to you
Whether you are just starting out in your career or nearing retirement, it’s never too late to be thinking about the future Let our Hadlow Edwards team optimise your existing resources, create a plan that adapts to your lifestyle changes, and help you feel more confident and informed about your retirement, regardless of your current stage in life Just like John when he met with Wealth Management Consultant, Mandy Lewis
“Mandy is my adviser and I now class her as a friend She has worked with myself and my Partner for a number of years and has gone out of her way to understand our lifestyle and dreams for the future She has modelled a financial plan bespoke to our situation and doesn't shy away from telling me what I need to hear rather than what I would like to hear For this I am grateful ” John Lewis, Company Director based in Wrexham
Queenie of the Ring
We’re delighted to celebrate our Assistant Paraplanner Team Leader, Chantel Moore’s, success in her equestrian events this year with her five year old Cob horse, Queenie Not only did she achieve two second place ribbons and a third ribbon at the Lloc and District Riding Club Show, she also qualified for the North Wales Showing Finals as well as the North Counties Pony Association Pony of the Year Show
This is fantastic accomplishment to achieve, showcasing Chantel’s passion for the sport Balancing her career alongside her training and competitions is not easy, so we commend Chantel and want to wish her luck in her upcoming qualifying shows
“Having taken Queenie from a very timid pony who arrived on our yard last year to be able to see her out and about a show full of confidence fills me with absolute pride for the journey that we have come on. As this was her first show of the season, and only her second time out, I was apprehensive about how she would behave and succeed; but after she managed to place against some very tough competition, I could not be more proud of her and the bond that we have developed. I cannot wait to attend the affiliated showing finals and for our next season ”
Chantel Moore
Assistant Paraplanner Team Leader
Post-Budget Financial Planning Insights
DATE: Friday 1st November2024
TIME: 12:30 to 13:30
Speakers:
Hetal Mehta | Head of Economic Research
Tony Wickenden | Directorship, Technical Connection
Claire Trott | Divisional Director - Retirement and Holistic Planning, Technical Connection
With this year’s change of government, Post-Budget Financial Planning Insights webinar is more relevant than ever
Whether you're concerned about the economy, taxes, pensions, or your overall financial plan, this session will be a useful resource for staying informed and making strategic financial decisions.
Topics covered:
Economic projections shaping the Budget announcements
Key tax updates and their direct impact on your finances
Necessary pension adjustments for your retirement planning
Actionable financial planning tips to stay ahead
Aligning your goals with the current economic landscape
This webinar is designed to give you the clarity and confidence to navigate these changes effectively
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 The value of any tax relief is dependent on individual circumstances
If you would like to hear from our SJP experts as they discuss the main impacts the budget will have on your finances, you can register for the webinar here or by scanning the QR code.
Image: Celfach Photography
Remembering Gresford
We were honoured to be the main sponsor of NEW Sinfonia’s opera Gresford: Up from Underground on 21st September which commemorated the 90th anniversary of the Gresford Mining disaster, a tragic event that deeply affected the Wrexham community
The performance was a poignant tribute to the 266 miners who lost their lives on that fateful day in 1934 and served as a reminder of the strength and resilience of their families and the wider community
Attending the opera was a profoundly moving experience. The production masterfully combined music, drama, and history, bringing the miners' stories to life in a way that was both respectful and deeply emotive The powerful performances captured the courage and camaraderie of the mining community, highlighting the impact of the disaster on future generations
As main sponsors, we were proud to support this important cultural event, ensuring that the memories of those who perished are honored and that the legacy of Gresford remains in the public consciousness The opera not only paid homage to those who were lost but also celebrated the enduring spirit of the community that rose from such devastating loss.
The SJP App
Discover a new way to access your accounts The SJP App is a simple, secure and convenient way to keep track of your plans
You will have: instant access to your correspondence and reports, including the ability to go paperless helpful news and insights from our experts clear, interactive graphs and showing past and present values asset class breakdowns of exactly where your money is being invested
Check it out on the App Store or Google Play Store
A tap away
Use face or fingerprint ID for easy login to view your current financial position Track historic performance through interactive graphs, view correspondence, and stay on top of your ISA allowance, all from the palm of your hand!
Built for convenience
The app makes it quick and easy to check your portfolio on the go and with more features on the way, you’ll always be up to date
What you need
We are excited to welcome two new members to our team!
Sara, our new Financial Planner, comes with extensive expertise in the corporate world and a commitment to guiding clients towards achieving their financial goals Her insights and strategic approach will be invaluable as we continue to provide top-quality servic
Holly joins us as a Client Servicing Assistant, bringing her excellent organisational skills and a passion for helping people We’re thrilled to have her support in enhancing our client experience
Please join us in welcoming Holly and team We’re looking forward to getting to know them more as they settle in!
It’s easy to download and register for the app. Just make sure you’re using iOS 13 4 or later, or if it’s Android, 8.0 or later. A passport or driving licence will also be required Tips for easy registration can be found in our FAQs
Have your say
We want to hear from you Use the in-app feedback to tell us what you want to see next Feedback is anonymous and goes straight to SJP
Need help?
Stuck on registration or need technical assistance? You can reach SJP Client Services on 0800 151 3383
For general information about the app, including features, support and tips for easy registration, please visit the client app information page: www.sjp.co.uk/individuals/sjp-app
The SJP App In touch for a brighter tomorrow
NEWS
2025 Calendar Photography Competition
Calling all amateur photographers! We are thrilled to announce our exciting Photography Competition We are looking for 12 unique photographs for our Hadlow Edwards 2025 Calendar and, by participating, we aim to raise vital funds for local charity, Nightingale House Hospice, who provide essential care and support to those with life-limiting illnesses and their families
Details:
Entry - No cost
Deadline - Wednesday 16th October, 23:59
Prizes - The overall winner will receive a £50 gift voucher, feature on the cover of the calendar, and receive a copy for themselves The additional 11 shortlisted photographs will receive a £10 gift voucher each and receive a copy of the calendar for themselves
The theme for next year’s calendar will be “Healing Nature” to celebrate the transformation of the Hospice’s sensory garden this year The brief is to Emphasise the healing and calming aspects of nature Capture images of local landscapes, wildlife, and peaceful scenes that
evoke a sense of tranquility and renewal, aligning with the hospice’s role in providing care and comfort (Be sure to ask permission of anyone appearing in your photographs!)
To enter, simply submit your best photograph which shows your unique perspective and creativity Only one entry per person is allowed and your image should be high resolution, in landscape orientation and submitted to fiona.clarke@sjpp.co.uk including your full name
After the deadline, all entered images will be judged by a panel of two Nightingale House Hospice employees and local photographer, Melissa Cross of Ginger Pixie Photography. The winners will be notified by email on Monday 21st October and the photographers will always be credited with their images whenever they are used
Additionally, to raise money for the hospice, you can order our calendar for your friends and family too
For more details, including competition terms and conditions, please email Fiona Clarke
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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