SJP warns of job cuts bit.ly/4fWL8gv but “The 4,800 self-employed financial advisers who sell SJP products to retail investors will not be affected” NB They are not financial advisers but sales people who only sell the firm’s own often poorly performing products!

First email of 2025 - FCA wanting info. First phonecall of 2025. 'Chris my local energy adviser' spam call. A strong start then.... :)

A marvellous if totally bonkers effort by the "aged" skipper of my cricket team... please support if you can!

And the award for Provider's Worst Service Level award goes to Aviva for investment bond assignments - a cool 100 working days service standard.... utterly bonkers!

*** Finpru phone line is down *** Thanks to EE, it looks like our line may be down until Friday 21st!!! When calling you will go straight into vmail but we can't pick any messages up!!! Please email or text in the meantime...

Intelliflo 'enhancements' can't possibly ever be tested by real IFAs. Every change seems to make more 'clicks' needed to navigate it and ever more painful to do so.

Bilbao roadtrip... 4.30am departure. Now on ferry to Caen .. COYS

Bilbao roadtrip done. That was quite something... #COYS

#LevyOut

Absolutely fantastic set at chilfest by Peter Hook

Chancellor has a point. If I recommend a shares LISA, the young investor gets over 70 pages of disclosure documentation to be compliant.... For a max £4k first investment... Ridiculous really.

Which? gives you a breakdown of HMRC's MTD roll-out and highlights four things you should do now to help you prepare for the change. which.co.uk/news/article/4…

Some welcome good news for savers - the FSCS protection limit is increasing from £85,000 to £120,000 from 1st December 2025.

Finpru's summary of the budget re personal finances email now sent out - if you've not received it, please let me know.

The salary sacrifice cap is a regressive tax. High earners only get 2% NI savings on Sal Sac whilst basic rate workers save 8% NI - the big earners can still pay into a pension (personally) & get 45% income tax relief so it's employers (15% NI) & basic rate workers hit most?

Further thought on the budget. The freezing of thresholds for student loan repayments means graduate workers are hit twice as hard. More income tax & more student loan repayments for them. Shown to raise billions more in tax.

BREAKING Surprise U-turn on farming tax just before Christmas - threshold is being lifted to £2.5m (£5m for couples) so that half as many farms will be liable for inheritance tax Story The i Paper: inews.co.uk/news/politics/…