Investments

Investing offers significant potential for increasing wealth, but only if it is done in the right way. Our clients benefit from the St. James's Place distinctive approach to investment management. By selecting a number of leading investment managers and investment houses, each with their own distinctive investment style, we are able to offer our clients access to some of the best managers available with a well diversified portfolio.

The advice given to our clients is based on a review of their individual circumstances and we ensure that our clients’ investment strategies are aligned to their objectives whether it be to generate income or capital growth.

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Retirement Planning

For many, retirement will last as long as, or even longer than, their working lives. The financial implications are enormous. Making a plan for a long and prosperous retirement is very likely to involve investments in pensions but there is much more to retirement planning than pensions alone: proper planning must encompass all aspects of what is, for most people, the biggest change in their financial circumstances during their adult lives.

The range of potential strategies is as broad as ever, but with the tax environment changing rapidly, knowing whether to take advantage of the opportunities available, and when, is key. Whatever the strategy, the flexibility and control provided by our investment approach gives a distinct advantage together with bespoke advice.

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Protecting Wealth

Protecting the wealth and financial future of our clients’ families is a key element of our service. We deal with exceptional insurance needs, such as unusually high levels of life cover needed to protect estates from Inheritance Tax (‘IHT’) or to protect business assets.

Although the value of insurance is most often considered in the context of individuals’ private lives, it frequently has an important role to play in business, protecting companies and the people who own and manage them. We are specialists in this field, providing cover which can fund necessary changes in the business or its ownership.

With increasing longevity, many of our clients face the prospect of needing to use all of their wealth to fund care in later life. Our range of trust-based schemes addresses this by allowing clients to make a gift of capital so as to reduce the value of their estate for IHT purposes, while at the same time providing them with a predetermined income to help meet the expenses of care in later life, if required.

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