As we take your financial journey together, you can be reassured that we will be with you every step of the way. So, you’ll be empowered to potentially do whatever you want, when you want – from buying a new home or planning a dream holiday, to paying school fees or retiring early.
By understanding the unique results you want, and the journey you want to make to get there, we can help with your investment planning in a simple and effective way, to work towards achieving your life goals.
Starting your financial journey
You may have just begun your career, or have switched to a different career path. Either way, now is the time to make a start on a financial journey that will help you to achieve your key goals in life.
Starting career
Take accountancy advice*
Getting your tax affairs in order
Buying first home
Growing your family
Starting pension savings
Growing your wealth
Once you are feeling secure in your career and starting to build up your salary – perhaps getting a promotion – it’s time to take another look at your financial plan, check if you are on track to reach your goals and make any necessary adjustments.
Getting a promotion
School fees
Owning your business
If you have gone the route of starting your own business, you will need to ensure that you are managing both your business finances and your personal ones. If your business is going to be your main means of funding your retirement you should speak to a trusted adviser to help keep on track.
Investing in your employees
Growing your business
Reviewing company share schemes
Protecting your wealth
Building up your finances is important, but at all stages of life, protecting that wealth is going to help you get to the next stage of your journey. This will involve investing for the future, achieving financial independence, and protecting what’s important – but you may also be considering buying a second property to rent out, or short-term borrowing.
Protecting what’s important
Borrowing
Investing for the future
Buying a second property to rent out
Achieving financial independence
Managing your taxes
Retirement
If you are hoping to retire early, you will need to ensure you have a plan ready to implement three to five years out, to ensure that you have all your ducks in a row. You’ve worked hard to be in a strong position for retirement and to take that step to your next stage of life, but remember to include plans for your family’s financial future.
Helping the next generation – estate planning
Enjoying your retirement or work on your own terms
Your first grandchild
Our partnership with you
You will find our approach to a working partnership refreshingly different.
Partners in your life journey
As a partner for life, we’re with you at every step on your financial journey. So, you’ll be empowered to do what you want, when you want – from buying a new home or planning a dream holiday, to providing for your children or retiring early.
Our 3-stage approach can help us understand the results you want, when you want them and how you want to get there, so we can help you with your investment planning and achieve your financial goals.
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1
Understanding what matters most to you
We look at your current financial situation and any plans you have in place to understand what matters to you, the lifestyle you want to live and the various milestones you would like to achieve. We can then plan the approach that works best for you.
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2
Developing a bespoke plan
3
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Achieving your goals
The home on which the mortgage is secured may be repossessed if repayments are not maintained
The value of an investment with St. James’s 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 than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
*‘Accountancy Services would be way of a referral, as these services are separate and distinct to St. James’s Place’
**Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place and along with Trusts are not regulated by the Financial Conduct Authority.
Contact us
Do you have a question about your finances, or want to know more about savings or investment planning? Get in touch today and let us help you put your finances in focus and achieve your financial goals.