Wilson Mitchell's expertise lies in offering advice on the following:

To ensure that you have the best possible investment options open to you through The St. James's Place Wealth Management Group, we offer a tailored service to meet your unique requirements.

Our particular talents are in untying the knots of complex portfolios that are not working as effectively as they should, or that are simply not useful or understandable!

We offer the following range of products:

• Retirement Plans - helping you to retire at a time that suits you
• Stakeholder Pensions and Self-Invested Personal Pension Schemes (SIPPs) - ensuring you have the resources needed to enjoy your retirement
• Trustee Schemes, Drawdown Plans and Annuities - mitigating the taxes payable during your retirement and on death
• Transfer Plans (including Section 32s) - ensuring your pension is working as hard as you are before retirement

Every client's personal circumstances and needs are different, and so Wilson Mitchell's approach is to fully explore and discuss these at an initial meeting, before any solutions or specific financial products are proposed. Based on the information given by you at this first meeting, we will send you a full report, setting out the areas discussed and the actual solutions we propose to the issues highlighted. Many of our clients tell us that this is not something that they have experienced in the past and reflects our confidence in our ability to translate your needs into effective solutions.

At our second meeting we will discuss the report and answer any further questions which you may have before putting in place the recommendations.

Your estate, for Inheritance Tax purposes, includes not just your house but also any other assets that you possess, including personal items such as jewellery or war medals. This means that for a single person with an estate of over £400,000, the Capital Taxes Office will receive at least £30,000 of the estate before children or other beneficiaries receive the balance. With our help, you may be able to reduce or eliminate this bill.

Planning for Succession: Who will take over the business when you leave? What will happen if you die or become too ill to work? These are questions which are far easier to answer before any problem arises. **

Planning for Your Retirement: If your plan for retirement is based on selling your business, how are you going to maximise its value at the point of sale? We work with specialists who can help you in this area as well as ensuring that pensions and other investments are likely to maintain your standard of living at retirement. If your major asset is your skill set i.e. as a consultant, then your business may not be saleable and therefore planning becomes even more important.

Cutting Costs: If you have arranged any borrowing or shareholder/partnership protection from your bank, they may also have arranged life insurance. More competitive cover may now be available. This can often reduce costs and/or be tailored to cover your actual needs. It is also important to find out if your bank has arranged suitable Trusts, otherwise tax may be payable thereby reducing the impact of the proceeds at a time when they are needed most.

We also help with pensions and protection (including group health insurance) for employees. This helps to retain valuable staff who may be difficult and expensive to replace if they find a better package of benefits elsewhere. The cost of such provision is usually a fraction of the costs involved in replacing or retraining staff.

** May involve a service which is separate and distinct from those offered by St. James's Place.

Wilson Mitchell can advise on all aspects of mortgages and other borrowings, to ensure that your money works as hard as you do.