CJA Financial Planning
Financial Planning Advisory with a twist; we put humans in charge of their money, not the other way around
30 Jan 2018

Winter 2017/18 Newsletter

COULD YOU BE AN ISA MILLIONAIRE? Individual Savings Accounts (ISAs) are a great way to invest free of tax on the income and any capital gains. The amount you can put in each year has gradually increased. A growing number of people are becoming ‘ISA millionaires’ as a result of rising stock market prices, and the steady increase in the annual ISA allowance. GENEROUS ANNUAL LIMITS The allowance for the 2017-18 tax year is set at £20,000, meaning that couples […]

06 Dec 2017
Budget 2017


In Philip Hammond’s first Autumn Budget, the second Budget of 2017, the Chancellor of the Exchequer promised that his Government would, “invest to secure a bright future for Britain”. Set amid a backdrop of political and economic constraints, and with Brexit negotiations at a critical phase, the Conservatives are under intense pressure. The abolition of stamp duty for most first-time buyers and an array of other housing measures were prominent announcements.   OBR FORECASTS The Chancellor began by confirming that […]

23 Nov 2017
Senior couple sitting on a wooden bench in the park


MILLIONS OF WOMEN WILL BE POORER DUE TO STATE PENSION CHANGES More than a million women are now worse off by an average of £32 a week because of changes to the state pension, according to recent research by the Institute for Fiscal Studies. It found that the phased increase in the state pension age for women was saving the government billions, but having a marked effect on household incomes. Many of the affected women are worse off each week […]

20 Jun 2017


THE RESULT IS IN After seven weeks of campaigning and two electioneering suspensions, due to the tragic Manchester and London terror attacks, the jury – in the form of the electorate – has delivered its verdict. After a tense night, the Conservative Party has emerged as the largest party, however they have failed to reach the magic 326 seat mark which would give them a majority. Theresa May’s gamble has not paid off, this general election has failed to deliver […]

30 May 2017
CJA Financial


THE 2017 GENERAL ELECTION – COUNTING DOWN TO 8 JUNE Theresa May’s surprise decision to call a General Election for 8 June immediately sent ripples through stock and currency markets; Sterling rallied to a six-month high and the FTSE 100 fell back, but has since rebounded. According to the polls, (and how much credence can we all put in those, based on previous elections?) Theresa May started the campaign more popular than any other leader since Margaret Thatcher back in […]

26 May 2017
Satvinder Sangha

Satvinder Sangha

Satvinder Sangha After several years of providing financial and other advice to a wide-ranging client base, he was head-hunted by the private banking arm of a commercial bank to join a fast-moving and skilful financial services team. This was dedicated to offering a professional and high quality service to its varied client base which included City professionals and business owners. Their differing needs covered both corporate and individual financial planning and advice. 
After successfully building a very busy and active […]

13 Apr 2017
CJA Financial


Rising prices and stagnant wage growth have resulted in the first fall in living standards in two and a half years, according to official figures. Labour market data from the Office for National Statistics showed that regular pay in the UK in February was 1.9% higher than a year earlier and is running below the 2.3% increase in prices. Despite a fresh fall in unemployment and record job vacancies, economists expect the squeeze on real inflation-adjusted wages to intensify over the […]

13 Apr 2017
CJA Financial


In his first and last ‘Spring Budget’, the Chancellor of the Exchequer, Philip Hammond, declared a “new chapter” in the UK’s history as the country embarks on its journey to exit the European Union via Brexit. Much of the Budget’s focus was on social care and a rise in National Insurance costs for the self-employed. There was little that will significantly affect personal financial planning apart from a reduction next year in the £5,000 tax-free dividend allowance.   OBR PROJECTIONS […]

06 Jul 2012
CJA Financial


Whichever way you voted, 23 June 2016 will be remembered as a momentous day in the history of not only the UK, but also Europe and beyond. After months of uncertainty andmarketvolatility,thepeopleofthe UKvotedtoleavetheEuropeanUnion (EU) by 51.9% to 48.1%, after 43 years of membership. The decision inevitably brings some uncertainty and confusion to the markets, sterling and the political landscape. Events will continue to unfold at a rapid rate. What is unclear is how long that uncertainty and confusion will continue. […]