Plan your finances right and you can enjoy peace of mind, knowing that you’ve got a secure and happy future to look forward to.
Start your road to earlier retirement. Our first question is always: where do you want to be and when?
We aim to provide you with a solid plan that is visible and clear to you, and help you understand the impact of any financial decisions you make, and perhaps even how many years they may knock off your retirement. The plan is always about you and your individual goals.
Watch our cash flow analysis video
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 is dependent on individual circumstances.
The right investment strategy can help to secure your financial future. We provide transparent advice to give you the best possible results.
Please note Cash ISAs are not available through St. James’s Place.
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.
An investment in a Stocks and Shares ISA or JISA will not provide the same security of capital associated with a Cash ISA or JISA. However, please bear in mind that over the long-term inflation will erode the purchasing power of your capital.
The favourable tax treatment of ISAs and JISAs may not be maintained in the future and is subject to changes in legislation.
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.
Trusts are not regulated by the Financial Conduct Authority.
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.
Past performance is not indicative of future performance.
Please note it is not possible to invest directly in commercial property with SJP.
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 is dependent on individual circumstances.
Please note that if the withdrawals taken exceed the growth of the Bond, the capital will be eroded.
The value of an investment with SJP or Rowan Dartington, and the income from it, may fall as well as rise. 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 is dependent on individual circumstances.
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.
Gain insights into your current financial status with our free quiz.
Planning for your retirement is essential: we all deserve to enjoy it after working hard for years. Our team will help to maximise your pension fund and provide specialist advice, to make your retirement as stress-free and rewarding as possible.
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.
SSAS are not regulated by the Financial Conduct Authority.
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 is dependent on individual circumstances.
*Please note anything over the basic rate of tax must be claimed via the individual’s tax return.
*Please note that this is a referral service that is separate and distinct to those offered by St. James’s Place.
These types of pensions will not be suitable for everybody, as they require investors to be happy in making their own investment decisions and may incur costs not usually associated with other types of pension schemes.
There are strict rules on what property can be held and how. The value may fall as well as rise and you may get back less than the amount invested. Pension and tax rules can change at any time and will be dependent on individual circumstances.
Auto Enrolment pension schemes are not regulated by the Financial Conduct Authority.
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.
Planning for the worst is not something you want to deal with, but the consequences for your loved ones if you don’t can be stressful, confusing and costly.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.
Trusts are not regulated by the Financial Conduct Authority.
*This may involve a referral to Karehero, a care navigator and matching service provider, whose services are distinct to those offered by St. James’s Place.
As a family-owned business, we’re built on trust and loyalty. Planning your finances to keep your loved ones safe and secure is the most important thing. We get it.
When you choose SWS as your Financial Planner, you’ll receive a completely bespoke service, and transparent, tailored financial solutions that will make your money work for you.
As your business grows, so will your business needs. We will work together as a team to create comprehensive, transparent financial solutions that work for you, your business and your employees.
The value of a pension 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.
Auto Enrolment products are not regulated by the Financial Conduct Authority.
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.
Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
From managing your cash efficiently, to buying your first home, we can provide sound, honest advice to help you achieve your financial goals.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Not ready to talk yet? Take our free Financial Freedom Healthcheck quiz to gain insights into your current financial status.
