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January 2026 | Phonebox Magazine 9January has a way of prompting reflection. We set resolutions, plan to clear out and make progress with home improvements, book gym classes we hope to stick to, and promise ourselves that this will be the year we get organised.But while we often focus on health habits or decluttering the loft, our financial wellbeing is just as important and is often overlooked.The start of a new year is the perfect moment to pause and ask a few simple but powerful questions:%u2022 Are my savings and investments still aligned with my goals?Your objectives may have shifted %u2013 retirement timelines, family plans, or business ambitions evolve over time.%u2022 Do I have the right protection in place?Life changes quickly. A new home, children growing up, or a career change can affect what cover you actually need, meaning you%u2019re left with a shortfall.%u2022 Am I on track for retirement?Pensions can often feel distant, and a long way off, but small adjustments today can make a big difference later on. A change your future self would appreciate!%u2022 Have I used the tax allowances available to me?With the end of the tax year only a few months away, now is a great time to check whether your ISA, pension, and other allowances are being used efficiently.%u2022 Is my financial plan still %u2018my plan%u2019?Many people drift into arrangements set up years ago. Regular reviews help to ensure Advertising FeatureNew Year, New Plan? Why January Is the Perfect Time to Review Your Financesyour finances support the lifestyle you want today and the future you%u2019re working towards for tomorrow.As a local financial adviser, we are passionate about helping people in our community feel more confident, informed, and in control of their money. Whether you%u2019re thinking about investing, planning for retirement, reviewing your family or business protection, even considering private medical cover, or simply want to understand what%u2019s possible; a friendly review can be a great place to start.If you%u2019d like to understand more about how we would be able to help and begin the year with clarity and a plan, we are here to help.Contact us to book your no obligation Financial Health Check with either Stefanie or Laura, call us on 01234 241442 or email us at office.spwealth@sjpp.co.uk and get your finances off to a great start this year.The value of an investment with St. James%u2019s 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 that you invested.The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.January Is About Fresh StartsYour Finances Can Be One of ThemYou don%u2019t need a complex resolution to make a meaningful difference. Often, it%u2019s about taking one small step, perhaps having a conversation, reviewing what you already have, or asking a question you%u2019ve been putting off.www.stefaniepricewealth.co.uk%u2022 01234 241 441info.spwealth@sjpp.co.ukwww.stefaniepricewealth.co.uk SJP APPROVED 16/12/2025Stefanie Price Wealth Planning is an Appointed Representative of and represents only St. James%u2019s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group%u2019s wealth management products and services, more details of which are set out on the Group%u2019s website www.sjp.co.uk/products. The title %u2018Partner Practice%u2019 is a marketing term used to describe St. James%u2019s Place representatives.