Personal Financial Planning

We provide a holistic planning service, not just arranging products but creating a bespoke personal financial plan. This helps any financial product arranged attain the end goal that it was put in place to achieve. By providing on-going regular reviews we ensure that the arrangements that we put in place will evolve to meet your ever changing circumstances.

We create plans to provide insurance to protect you and your family should things not work the way you had hoped. We provide long and short term investment planning to meet needs such as funding for your children’s further education, securing the level of income you require in retirement, all the way through to estate planning to make sure your money passes to the right people as tax efficiently as possible. This is all based around your unique personal circumstances.

Corporate Financial Planning

Our corporate financial planning service ensures that directors and business owners make the best possible use of the most valuable asset they have. This allows the profit generated by their hard work to be distributed or invested in the most appropriate way. This is normally enhanced by fully utilising the tax reliefs and allowances that are available to make your money work even harder for you.

We ensure that plans are put in place to protect your business against unforeseen events so that the company can continue to thrive in the most difficult of circumstances. This allows you to focus on what you do best; running your business, knowing that both your personal finances and the companies are in safe hands.

Employee Benefits Consultancy

As employee benefits consultants we see ourselves as a long term part of your business, effectively a specialist within your HR Department. We know that a company’s employees are their most valuable asset and by providing a package of benefits tailored to meet their needs you can attract the best people for the job and ensure they stay for the long term.

In order for an employee benefits package to be effective, communication is key. This reinforces the value of the benefits you provide and ensures that that they are both appreciated and utilised by all employees. We feel that our personal hands-on approach with your employees adds even more value to the expertise we bring.

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. The value of any tax relief depends on individual circumstances.