You are not afraid of hard work, and you want to know that the effort you put in today is helping to prepare the path to the future you want.

We guide you through every aspect of planning for this outcome, making sure that your future is built on firm foundations, and giving you confidence that you are in control of whatever lies ahead.

Risk and uncertainty are part of life, but planning for the unexpected can help smooth out the bumps in the road.

We help you consider who and what you want to look after – from your family to your home and business – and put in place the necessary measures that can shelter them if needed.

Inflation increases your day-to-day living costs and eats away at your savings, and keeping your assets as cash is rarely the best way to resist this effect.

By understanding your ambitions and considering why money is important to you, we can guide you through investing in other areas and assets with the aim of gaining the growth you need and deserve.

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.  Equities do not provide the security of capital which is characteristic of a deposit with a bank or building society.

Planning for the future means thinking of next week, next month, next year – but it also means looking even further ahead.

Increasingly, families need to view their assets in the context of multiple generations. As part of helping you plan for this, we discuss the ways in which you can pass on your assets to your loved ones while sheltering them from yet another layer of taxation.

For many of us, a good retirement is a key goal, but whether or not you can achieve it depends on the decisions you make.

By taking the time to understand your hopes and ambitions for later life, we are able to help you make the right decisions at the right time.
You may love your job and not feel ready, or think it’s not possible financially to retire, whatever concerns you have, we can help shape the future you have in mind.