FOR INDIVIDUALS & FAMILIES

Although most people understand that an early start is almost always an advantage when it comes to planning for retirement, many find it difficult to focus on an event that may seem far in the future.

Pensions have been at the heart of financial planning for a long time, and although their finer points are subject to regular change, they remain a highly tax efficient component of most people’s financial plan.

Helping people like you plan for retirement is fundamental to what we do, and you can rely on us to guide you through the process of making sure you’re ready for this exciting and potentially rewarding time of life.

As retirement approaches, there will be a number of key decisions you need to make.

Making the right investment choices is key to growing the wealth you’ll need to achieve your future goals and aspirations.

Individual savings accounts, or ISAs as they’re commonly known, are a flexible and accessible way to both save and invest for the future.

It’s no secret that the financial challenges facing today’s young people as they grow towards adulthood can be significant.

Managed by professional fund managers, unit trusts can include stocks, property and bonds.

As a Senior Partner Practice with St. James's Place, we have access to a range of risk-rated growth and income portfolios created from St. James's Place funds.

If you have specific investment requirements or you’d like to delegate control of your investments to us, SJP's discretionary and stockbroking services – provided by Rowan Dartington, who are wholly owned by the St. James's Place Group –enable you to take the investment path that suits your needs.

Investment in offshore funds may be an appropriate option for you, giving you access to a wider variety of financial products and investments than is available within the UK.

If you’re looking to earn a regular income from your investments, we can help you navigate the options available and choose the right home for your capital.

We have access to the St. James's Place investment bond.

For some people, traditional pension plans will be the right option, but for others, the wider range of investment opportunities offered by self-invested pension plans, or ‘SIPPs’, will prove attractive.

Because we take time to understand you and tailor our financial planning to your specific situation, we can help those in employment to plan ahead and think about how much they’ll need in order to retire comfortably.

Since the introduction of auto enrolment in 2012, employers have been obliged to enrol all eligible employees into a workplace pension scheme and make contributions to it.

Without access to an occupational pension scheme, the self-employed must make their own pension arrangements if they are to avoid finding themselves with insufficient wealth to fund their retirement plans.

Being a trustee of a pension scheme is a position of trust and responsibility, and if this is a role you play, it’s important to feel you have expert advice and support when you need it.

You work hard for your wealth, and it’s only natural to want to protect your assets for the benefit of you and your family.

It used to be the case that inheritance tax was only a concern for the very wealthy, but today, even modest estates can be impacted by it, and if your estate is large, the tax authorities can take a very big slice.

Gifting during your lifetime can be one of the most effective ways of mitigating the effects of inheritance tax.

Most people understand that some types of insurance are necessary, whether they are legal obligations such as vehicle insurance, or whether their purchase is a personal choice, such as home insurance.

With average residential care costs rising, preparing for this possibility is all part of responsible financial planning.

Administering a person’s estate after they die can be a complex business, and if you choose to do it yourself, you should be aware that you may be personally liable for any mistakes made during the process. More Icon

A well written and carefully planned will is an important element in your financial planning, as without it, your assets may not end up in the hands of the people you always wanted to benefit.

There are a number of circumstances in which setting up a trust may be a course of action we recommend as part of your overall financial plan.