Protection
Planning for the future doesn’t just mean thinking about the good times ahead. It also means protecting yourself and your family against life’s uncertainties.
We all know that life is full of ups and downs, and it makes sense to protect yourself against things like illness or loss of income that could have a drastic effect on your finances and lifestyle. We’ll help put together a plan that will consider all the possibilities and give you long-term peace of mind.
Inheritance Tax
Look after your loved ones by making sure that your wealth passes to the people you want it to reach rather than being lost to inheritance tax.
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Gifts
Making careful use of gifts during your lifetime can be an effective way to mitigate the effects of inheritance tax.
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Protection Planning
We all hope for a smooth journey through life, and preparing for uncertainties can help reduce the impact when unwanted events occur.
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Long Term Care
The best time to think about long term care is years before you or your loved ones need it. Planning ahead brings valuable peace of mind.
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Estate Administration
Administering an estate after someone’s death can be complex and time consuming, but we can ease the burden at what could be a difficult time.
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Wills and Powers of Attorney
It can be tempting to leave making your will on your ‘To Do’ list, but planning ahead can prove reassuring for you and your loved ones.
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Professional Trustee Services
A trust can play an important role in your financial plan, but it’s essential for it to be set up correctly.
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Later Life Planning
Most people hope for a long and happy life, and by planning ahead, we’ll help you make sure that future living and healthcare costs can be met.
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The value of investments with St James’s Place is directly linked to fund performance, and these values can fall as well as rise. You may get back less than the amount you initially invest.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
*Where legal and will writing services are required, we’ll refer you to a service that is separate and distinct to those offered by St. James’s Place. Wills are not regulated by the Financial Conduct Authority.