January often tells advisers more than clients are ready to hear.

Q4 reviews surface patterns early – cash tightening, compliance slipping, behaviour shifting. None of it dramatic on its own, but together it can quietly narrow options if left too long.

I’ve shared a practical, non-alarmist way to think about January warning signs and what tends to help before pressure escalates – for advisers and their clients.

Worth saving for your next review conversation.

This year, many SMEs felt pressure building from every angle. What stood out to me was how often these pressures arrived together.

Heading into 2026, I believe early action around cash flow, risk and funding flexibility is essential.

I’ve outlined the key trends and priorities I’m seeing across industries and how SME’s can prepare for 2026.

👉 Read the full blog to here for the complete breakdown.

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