Making Lives Better

Our service is designed to encompass all areas of your financial circumstances. Whilst many promise a holistic service, we are uniquely situated to deliver on this promise. 


Our expertise is extensive and the highlighted services below are some of the common areas where we can assist, however this list is by no means exhaustive. We always tell our clients, if you have a question, ask us. We will find a solution. 

  • Annual Allowance planning

  • Lifetime Allowance planning

  • Review existing policies

  • Positioning assets efficiently for retirement

  • SIPP tax planning

  • Income projections and forecasting

Retirement 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

Financial Planning

Trust and Estate Planning

  • Inheritance Tax planning

  • Advice on gifts

  • Trust planning‡

  • Reviewing your Will‡

  • Advice on, and completion of, annual tax return

Tax Returns

Mortgages & Banking

  • Ongoing mortgage reviews

  • Advice on new borrowing

  • Bridging finance

  • Access to personal and corporate cash management

Insurance and Assurances

  • Business protection

  • Employee benefits

  • Personal insurances and assurances

Asset Management

  • Advice on management or disposal of existing assets

  • Advice on risk management and diversification of assets 

  • Tax advantaged investments

  • 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 Planning

‡ Will writing requires the referral to a service that is separate and distinct to those offered by FLM or St. James's Place. Wills and trusts 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. 


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