Scott James & Associates

Conversations about money can feel uncomfortable but they might be some of the most important to have. As difficult as it might feel in the moment, it can help you reach a resolution and make things easier for everyone in the long run. #TalkMoneyWeek #DoOneThing

Last week’s budget saw one of the highest increases in Government spending in recent years – paid for by a combination of tax rises and borrowing. #Budget #TaxRises #WeekWatch

👻 Did you know? A 'ghost account' is the financial term for inactive or forgotten accounts that haunt clients’ finances! Much like an old costume left at the back of a closet, forgotten accounts or unmonitored investments can linger in the background. Over time, they might even eat into clients’ wealth without anyone noticing. Financial advisers often uncover these ‘ghosts’ during portfolio reviews, helping clients to consolidate, streamline, and focus on what brings value. It’s always good to remember that even finances need a bit of a ‘declutter’ now and then! Happy Halloween! #FinancialPlanning #HalloweenFun

The US presidential election remains extremely tight. One quirk of the US electoral system is that a relatively small number of ‘swing’ states – those not considered safely Republican or Democrat – are likely to have an oversized impact on the eventual result. An especially close race could lead to a potentially contested outcome, as seen in 2000 and 2016, potentially leading to heightened volatility until a final decision is reached. #USMarket #Election

🔍 What Does the New UK Budget Mean for You? With this year’s change of government, this session is more relevant than ever. Join our webinar to navigate the latest changes and understand the impact they could have on your financial future. Post Budget Financial Planning Insights 🗓️ Friday 01 November ⏰12:30 to 13:30 🔗 Register Here: https://ow.ly/UFzt50TzLcL ✨ This session will cover: • Economic backdrop & forecasts • Tax changes affecting your finances • Pension updates: Time to adjust? • Smart money moves post-budget • Aligning goals with new realities 💡 Are you ready to navigate these changes? Don't miss this opportunity to get expert insights and practical advice tailored to your needs. Secure your spot today and stay ahead of the curve! The value of your investment can go down as well as up. You could get back less than you invested. #FinancialPlanning #Budget2024 #AutumnBudget #Pensions St. James’s Place Representatives represent only St. James’s Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority SJP Approved 01/10/2024

Five money-saving measures when times are tight - List all your direct debits, subscriptions and memberships and pause or cancel any that aren’t essential. - If your insurance or an annual premium is up for renewal, shop around for a better deal. - Check whether you’re paying too high a price for your energy or your broadband. - Do you have a spare room you might rent out? Or a hobby or skill you could make a little extra money from? - Reach out to your family for support – whether financial, a small gift or loan to tide you over, or practical help. https://lnkd.in/eW6X6ecS

Both the S&P500 and the Dow Jones Industrial Average hit record highs, and posted 1.1% and 1.2% increases over the five days. This came despite US inflation coming in above expectations at 2.4%, narrowly beating the forecasts of 2.3% for September. That said, it still represented a slight drop on the 2.5% figure recorded in August. Read more: https://lnkd.in/eNUs4WH4 #Inflation #WeekWatch

🔍 What Does the New UK Budget Mean for You? With this year’s change of government, this session is more relevant than ever. Join our webinar to navigate the latest changes and understand the impact they could have on your financial future. Post Budget Financial Planning Insights 🗓️ Friday 01 November ⏰12:30 to 13:30 🔗Registration Link in comments below ✨ This session will cover: • Economic backdrop & forecasts • Tax changes affecting your finances • Pension updates: Time to adjust? • Smart money moves post-budget • Aligning goals with new realities 💡 Are you ready to navigate these changes? Don't miss this opportunity to get expert insights and practical advice tailored to your needs. Secure your spot today and stay ahead of the curve! The value of your investment can go down as well as up. You could get back less than you invested. #Financialplanning #Budget2024 #Autumnbudget #Pensions Scott James & Associates 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) The `St. James's Place Partnership' and the titles `Partner' and `Partner Practice' are marketing terms used to describe St. James's Place representatives. SJP Approved 27/08/2024

Do you believe that focusing on mental health can improve productivity at work? ✅ Yes, significantly 🤙 Yes, somewhat 🤔 Not really ❌ No impact Mental health and productivity are closely linked. 💼 Good mental health can lead to better focus, creativity, and overall job satisfaction. On this World Mental Health Day, we’re curious—do you believe that prioritising mental health can boost productivity in the workplace? Vote in our poll and share your experiences below. #MentalHealth #WorkplaceWellbeing #WorldMentalHealthDay

Major life events or milestones are a key reason for seeking financial advice. According to our Real Life Advice Report, 18–34 year-olds appear to face the greatest level of financial complexity, but are more proactive in seeking financial advice to help them manage their finances than the other generations. Source: Opinium surveyed just under 12,000 UK adults nationwide in two polls between May and August 2024. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population. Quantitative data referenced here is sourced from the first poll, which had a total sample of 7,995 respondents. Survey included those aged 18-34 (1,940), 35-54 (2,654) and 55 and over (3,401).