For the great majority of our clients, aiming to achieve significant growth in the value of their capital over time and then preserving the value of that capital for themselves and their children are key objectives.

We place particular emphasis on two crucially important areas:

• Developing investment strategies to make best use of the range of asset classes and investment managers that the world of investment has to offer through St. James's Place.
• Placing your funds in investment vehicles that minimise your liability to taxation.

We have access to a range of tax advantaged investments, such as ISAs, pensions and offshore investments. We can also create and implement highly effective tax-minimisation strategies, with a particular emphasis on reducing your estate’s liability to Inheritance Tax.

If you own or manage a business, our advice also extends seamlessly from your personal finances to your business interests. This means that we can advise on the best approach to realising the value of your ownership, both over the coming years and when you come to plan your exit from your business*. We can also provide group pension plans (including access to stakeholder pensions) and employee benefits for your colleagues and employees.

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 generally are dependent on individual circumstances.

*This may include the referral to a service that is separate and distinct to those offered by St. James's Place.