Financial planning can cover many areas

Protecting your loved ones, buying a home, efficiently managing your tax allowances (Capital Gains Tax, Income Tax, Inheritance Tax), managing long-term care costs, planning for your retirement, savings, investment, and much more.

A full review of your finances will look at you and your family's circumstances in a holistic manner, helping you to understand your own personal position, and guiding you to make good informed decisions now and in the future.

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 are generally dependent on individual circumstances.