29.06.2022
Preserving and giving
Allowing you to relax in the knowledge that your wealth is protected, your income supports your lifestyle, and your legacy is secured.
You have worked hard to build a significant portfolio of assets. As your priorities change your appetite for risk is replaced by a need for security and certainty.
It’s also the stage at which you have a clear sight of where you would like it to go next. We can advise you on how to do all that, ensuring that your assets don’t become a burden to you or your loved ones.
How we can help
Retirement planning
We are all living longer on average than ever before, and typically we expect much more from retirement than previous generations. It is never too early – or late – to plan or adapt your retirement plans. You may be thinking about the appropriate level of pension contributions, reviewing your current position, or looking at how best to leave your wealth to the next generation.
Horizon can advise how best to utilise your pension and make it work efficiently alongside your other investments.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested.
Inheritance tax planning
Having a strategy in place takes the stress out of what can be an emotionally challenging series of decisions. We can offer advice on how best to structure your inheritance, document your wishes and all aspects of guardianship.
Your adviser will be able to help you to plan and adapt your retirement income needs, including for future care. And they can help ensure your wishes are carried out. For example, you may want their money to be used for a particular reason, such as paying school fees or a deposit on a first home. Or you may just want to make sure your money stays within the family. Either way, we can offer the advice and guidance you need.
The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.
Estate planning
We have access to specialists who provide support and administration from excluded property trusts and foundations to offshore structures and trusts*.
Intergenerational wealth management allows families to use their wealth more collaboratively to support each other during their lifetimes. Taking advantage of legitimate estate planning and tax mitigation opportunities can help alleviate the financial burdens of everyday life.
*This may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.
Trusts in the UK are not regulated by the Financial Conduct Authority.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and the value may fall as well as rise. You may get back less than the amount invested.
