OUR SERVICES AND ADVICE GUARANTEES

Making Lives Better

OUR SERVICES

Retirement Planning* 

  • Annual Allowance planning

  • Lifetime Allowance planning

  • Review existing policies

  • Positioning assets efficiently for retirement

  • SIPP tax planning

  • Income projections and forecasting

Financial Planning*

  • School fees planning

  • Capital event planning

  • Creation of income sources in retirement

  • Wealth accumulation and preservation

  • Tax efficient investments including EIS and VCT's

Trust and Estate Planning*

  • Inheritance Tax planning

  • Advice on gifts

  • Trust planning

  • Reviewing your Will‡

Insurance and Assurances*

  • Business protection

  • Employee benefits

  • Personal insurances and assurances

Tax Planning†

  • Pro-active advice on all areas of personal tax planning

  • Capital Gains Tax (CGT) planning

  • Specific advice on employee share and option schemes

  • Advice on offshore tax planning

  • Advice and tax planning for non-UK domiciles and internationally mobile taxpayers

  • Property tax planning including corporate and trust structures

  • Profit extraction and Entrepreneurs Relief advice for business owners

  • Advice on implications of tax efficient investments

Tax Returns†

  • Advice on, and completion of, annual tax return

Mortgages & Banking*

  • Ongoing mortgage reviews

  • Advice on new borrowing

  • Bridging finance

  • Access to personal and corporate cash management

Asset Management*

  • Advice on management or disposal of existing assets

  • Advice on risk management and diversification of assets 

  • HMRC approved tax-advantaged investments

* These are FLM Wealth Management Services

† These are FLM Tax Planning Services

‡ This service requires the referral to a service that is separate and distinct to those offered by FLM or St. James's Place. Wills are not regulated by the Financial Conduct Authority.

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

The value of an investment with St. James's Place 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.

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.

Please note that VCTs/EISs are illiquid investments, subject to future and retrospective tax changes and as such are suitable only for experienced, sophisticated or high net worth investors who accept that they may get back significantly less than the original investment. 

OUR SERVICES AND ADVICE GUARANTEES

We believe in offering our clients guarantees. With a lack of quality advice available in an area that can quickly become unclear and convoluted, it is important to us that you have peace of mind. 

*These are FLM Wealth Management Services and are subject to the St. James’s Place Terms of Business. We choose to work with St. James's Place Wealth Management for all wealth management services because, not only are they a reputable FTSE100 company, but they also offer a guarantee, which applies to these services only: 

St. James's Place guarantees the suitability of the advice given by members of the St. James's Place Partnership when recommending any of the wealth management products and services available from companies in the group, more details of which are set out on the Group's website: www.sjp.co.uk/products-and-services/products-and-services.

†These are FLM Tax Planning Services, which are subject to the FLM Terms of Business and are provided by a qualified Tax Adviser. The services are separate to those provided by FLM on behalf of St. James’s Place. We also offer a cast iron guarantee in relation to these services:

FLM guarantees annual fees for tax planning services. If, in the first year of working together, FLM cannot evidence value greater than the annual fee, it will be rebated upon request.

For both terms of business please see the Key Facts About Our Services and Costs.

Floors 2 & 3,

Basildon House,

7 Moorgate, 

London,

EC2R 6AF 

020 7710 3402

customerservice@flmltd.com

© 2019 FLM Ltd. 

FLM is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website www.sjp.co.uk/products. The title 'Partner Practice' is the marketing term used to describe St. James's Place representatives. FLM Wealth Management is a trading name of Financial Lifestyle Management Ltd.