At the beginning of any client journey we start by asking a lot of questions. This gives us the best possible insight into you, your current financial situation and what you would like to achieve in the future.

And don’t worry, we find that most of our clients don’t really have a clear idea about their future finances when we first meet them, so we’ve tailored our questions to allow us to gain exactly the insights we will need.

Your retirement

Do you have any plans? Do you know how much money you’ll need to enjoy what is, essentially, the longest holiday of your life? And if so, how big will your savings need to be to provide you with this desired income?

The unforeseen

If you had died last night, what financial position is your family in this morning? Or, if you were struck down with a critical illness tomorrow, what impact would this have on your family? How much money will they need?

And what about taxes?

Are you paying too much income tax? Do you have a capital gains tax issues or is inheritance tax going to be an issue for you or your children? Are you aware that you can mitigate some of your liability with the right planning?

Your will

Do you have an adequate will? Have you considered what would happen should you die without having made a will? It’s not always as straightforward as you might think. And what if you leave money to your children only for half of it disappear in a divorce settlement? With the right planning you can protect your wealth for future generations and save future generation inheritance tax.

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.

Wills involve a service which is separate and distinct to those offered by St. James's Place and not regulated by the Financial Conduct Authority