Private Clients

As a private client, your key relationship remains with us, but you also have exclusive access to a specialist St. James's Place advice and servicing team, which brings together highly experienced financial planners, investment and retirement planning specialists, access to specialist banking advisers, and access to experts in tax planning and legal matters.

Investment Planning

Simply investing your money often isn’t enough to help you achieve your financial goals.

You might want to grow your wealth or generate an income from the money you already have, or you may need a combination of the two. Whatever you need, we can help and advise on creating your own unique investment strategy.

Retirement

Planning for a long retirement is one of life’s many priorities.

You may be a decade away from retiring, or only a year or two. We offer a range of expert advice that covers every aspect of retirement planning, so you can control your income and estate with confidence.

Whether you need to start planning or take another look at your existing retirement strategies, we can help you make the most of your retirement from day one.

Inheritance Tax Planning (IHT)

Careful IHT planning is all about passing as much of your estate as possible to whom you want to receive it, rather than to HMRC.

Gifting and/or the use of *Trusts are often considered key strategies in helping you pass on as much of your wealth as possible to your family.

We can assess your IHT liability and advise on the most effective strategy for your potential liability.

Intergenerational Planning

Intergenerational wealth management is about how families use their collective wealth to support each other during their lifetimes.

Increasing life expectancy and social change mean many families should consider how their wealth can work harder for the benefit of the whole family.

There are a number of ways to do this. However, it is important to seek advice when considering options to avoid any unexpected tax liabilities.

Protection

Anyone can find themselves struggling to grasp the complexities of estate protection and Inheritance Tax.

It is important to consider the whole picture. How does Capital Gains Tax affect you? What would happen if you were to fall ill? Are you prepared for suffering a loss of income?

We can help you to assess your individual situation and requirements, before coming up with a plan to give you the peace of mind you need.