For the majority of our clients aiming to achieve significant growth in the value of their capital over time, and then preserving the value of that capital for themselves and their children, is a key objective.
We place particular emphasis on two important areas:
1. Developing investment strategies to make best use of the range of asset classes, markets and investment managers that the world of investment has to offer.
2. Placing your funds in investment vehicles that minimise your liability to taxation.
We naturally have access to the full range of ‘mainstream’ tax-privileged investments, such as ISAs, pensions and offshore investments. With the assistance of our specialist Trust* and Estate Planning team, we can also create and implement more sophisticated tax-minimisation strategies with a particular emphasis on reducing your estate’s liability to Inheritance Tax.
Property accounts for a larger part of most clients’ wealth, and so we can provide a full range of mortgage solutions to enable clients to manage their property finances more effectively. We have particular expertise in situations which cannot easily be placed with many high street lenders, such as large loans on overseas property**, and loans to business owners or self-employed individuals.
If you own or manage a business, you should also know that our advice extends seamlessly from your personal finances to your business interests. This means that we can advise you on the best approach to realising the value of your ownership, both over the coming years and when you come to plan your exit from your business***. We can also provide group pension plans (including access to stakeholder pensions) and employee benefit plans for your colleagues and employees.
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 depends on individual circumstances.
*Not regulated by the Financial Conduct Authority.
**Changes in the exchange rate may increase the sterling equivalent of your debt.
***This may include the referral to a service that is separate and distinct to those offered by St. James's Place.