Your Financial Health Check

Some areas covered by the check include-

• Your Budget

  Reviewing your income and outgoings is an important aspect of managing your finances and budgeting.

  We will help review your disposable income and make suggestions to support your financial wellbeing.

• Your mortgage

  Whether you are a first-time buyer, moving home or simply wishing to take advantage of a more competitive rate, it is important that you have the right mortgage in place.

   

  So whether you’re taking your first step onto the property ladder, you’re an existing home owner or landlord, or you’re a parent or grandparent looking to help your child or grandchild purchase their first home, we are able to access an appropriate mortgage solution that suits your needs.

  Furthermore, we will manage the application process from start to finish, relieving you of much of the stress.

   

  Your home may be repossessed if you do not keep up repayments on your mortgage.

• Protecting what's important

  Protection is about more than simply buying a life insurance policy – it’s about optimising the effectiveness of your wealth for the next generation and providing peace of mind for you and your family.

   

  We can help you to assess your individual situation and requirements, before devising a plan to ensure you have the peace of mind you need.

  Good health is arguably our most precious asset, and with it comes the ability to earn an income, but it is not something we can take for granted.

• Tax Planning

  We have a range of potential solutions that may help reduce your tax bill.

   

  This could include utlising all your available allowances and taking advantage of tax efficient saving solutions.

   

  The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

• Planning for your retirement

  Our retirement planning advice and services give you the help you need to make the most of your retirement opportunities.

   

  When it comes to thinking about your retirement, it’s never too soon to get started. In an unpredictable financial landscape, now is the time to ensure you have access to the expert retirement advice you’ll need.

  We offer a full range of expert advice and services across all areas of retirement planning. Whether you’re looking to maximise your pension fund, you’re nearing retirement yourself, or you’re managing employee retirement, speak to us today.

   

  The value of a pension will be directly linked to the performance of the funds selected and may fall as well as rise.  You may get back less than the amount invested.

• Wills and Power of Attorney

  Let us help you put everything in place to ensure that your Will and an enduring Power of Attorney are in order.

   

  These are crucial elements of any effective form of financial planning, and sound advice is a must.

   

  The writing of a Will or Powers of Attorney involves the referral to a service that is separate and distinct from those offered by St. James’s Place. Wills and Powers of Attorney are not regulated by the Financial Conduct Authority

• Investment Planning

  Whether you’re looking to invest for income or growth, the right investment strategy is critical in helping secure your future financial well-being.

   

  We can offer you advice which helps create the right investment strategy, based on your own specific circumstances.

  We have access to a range of investment solutions and ongoing services which have been carefully refined to help you reach your financial goals.

  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.

• Other services

  We offer a range of solutions to meet your needs

   

  Read more here