Zoe Kemp Ferndown Financial Planning

28/08/2026

If money worries are affecting your peace of mind, you're not alone.

Whether concerns relate to cash flow, debt or long-term financial security, it's easy to feel stuck or unsure where to start.

This article looks at how breaking problems into manageable steps, talking things through and seeking support can help create clarity and build confidence: https://partnership.sjp.co.uk/article/detail/sjpp/finding-control-when-money-feels-overwhelming.html

Ferndown Financial Planningis 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 20/08/2026

Finding control when money feels overwhelming

19/08/2026

📣 FINANCIAL ADVICE DROP-IN SESSION 💷

Got a question about your finances, pensions, investments or planning for the future?

Join us at The Tap & Railway on 10th September, from 11am–2pm, for a friendly, informal financial advice drop-in session, hosted by our friends at Ferndown Financial Planning.

No pressure, no obligation — just the opportunity to have a chat and get some helpful guidance.

📅 10th September
⏰ 11am–2pm
📍 The Tap & Railway

Come along, grab a coffee (or something stronger! 😉) and have a chat with the team.

We look forward to seeing you there! 👋

17/08/2026

What is a Bond?

This is the debt of a company or government and acts like an “I owe you”.

An investor who buys a bond is in essence lending money to that institution in return for repayment on a specific date, plus regular interest payments. Also known as fixed income.

Ferndown Financial Planning is a Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved: 16/7/2026

14/08/2026

What is Passive investing?

Passive investing is an investment strategy that aims to replicate the performance of an index by tracking it, which means holding the same stocks in similar percentages. This is considered a lower-cost way to invest.

FERNDOWN 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: 16/7/2026

13/08/2026

With most pensions set to fall within inheritance tax rules, many people are rethinking how
and when to use their retirement savings.

While annuities can provide guaranteed income and may support estate planning by
reducing pension wealth over time, they’re not without trade-offs.

Read on to explore why demand is growing, the key risks to consider, and how annuities
can fit within your broader retirement strategy.

🔗 https://www.sjp.co.uk/individuals/news/the-taxable-benefits-of-buying-an-annuity

Taxation rules can change at any time and are dependent on individual circumstances.

Ferndown 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 02/07/2026.

Changes to inheritance tax (IHT) rules which will bring most pensions into scope from next April are changing how people think about retirement planning, with more turning once again to annuities. For many years annuities have been firmly out of fashion. This followed the introduction of pension fre...

07/08/2026

Ferndown 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 22/05/2026

07/08/2026

Interest rates on hold…for now

31/07/2026

The latest issue of The Investor magazine is here, this time focusing on women and wealth.

Whether you're building wealth through your career, growing a business, planning for retirement or preparing to manage inherited wealth, understanding the landscape is essential.

Read more here:

🔗 https://www.sjp.co.uk/individuals/news/women-and-wealth-a-growing-frontier

Ferndown 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 22/07/2026