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Providing guidance and support every step of the way

Financial advice should be viewed as a journey, with more value accruing to those who start earliest and travel for the longest. We want to take this journey with you, providing guidance and support every step of the way.

Our service offering is extensive and holistic, as we hope the information below will demonstrate. These services bring considerable value to our clients because they deliver peace of mind. We know how stressful managing your own financial matters can be, and our passionate team will be keen to ensure that you sleep well at night, confident that your finances are in safe hands. Knowing that your financial objectives are achievable and that we are here to help resolve any monetary worries will leave you feeling more able to enjoy other aspects of your life to the full.

We are passionate about Environmental, Social and Governance (ESG) considerations and have a strong focus on the socially responsible investment solutions provided by St. James’s Place. Meanwhile, our advisers are huge advocates for empowering women to take control of their finances and have a wealth of experience providing financial advice specifically for women.

The list below is by no means exhaustive. If you have a question or problem, just ask us. We are confident we can deliver a solution.

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 services we provide are covered under two separate guarantees. Click here for details

Our services

Investment Planning

Everyone has a financial goal in mind – be it planning for future school fees, paying off a mortgage, helping younger family members with a house purchase, or simply enjoying a comfortable income in retirement. No matter how distant or nebulous these goals may feel, our advisers can help you define and meet them, through a meticulous and disciplined plan. Aspects of our financial planning services include:

School fees planning
School fees can be prohibitively expensive and often become families’ biggest outgoing, along with a mortgage, so it’s well worth planning as early as possible so you can send your child to your school of choice. Our specialist financial planners can help you put a bespoke financial plan together, so you can fully understand the costs, what you can realistically afford and the different funding options available to you. We can then help you choose the investments and products most suitable to your position to make sure school fees don’t become a burden on your family’s future.

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.
Creation of income sources in retirement
To enjoy the lifestyle you want in retirement, you can’t simply rely on your state or employer pension income. We can help you work out different ways of generating an income, from private pensions to well chosen investments that can provide multiple, tax efficient income streams. We can also work with you to identify how much you’ll need in retirement so you can plan accordingly and spend your post-working life enjoying the type of lifestyle you deserve.

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.
Wealth accumulation and preservation
Building up assets and wealth over time is a common goal in life, and once achieved you will not want them to decline in value. A financial planner can work with you to first identify your short, medium and long term lifestyle goals, as well as your goals for your family and legacy, then help accrue and preserve your wealth, supporting you to make sensible decisions aiming for your assets to be maintained or increased as time passes.

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.

Retirement Planning

A thorough understanding of the national tax system allows our advisers to work together to create a retirement plan that meets your own unique circumstances. Services include:

Annual & Lifetime Allowance planning
You can pay as much as you like into your pension in a single tax year, but there are limits on what you can save before a tax charge applies. You also need to be mindful of how much you can build up in pension benefits throughout your life before having to pay tax. Our financial planners are specialists at managing pensions in a way that they’re protected from these charges and can help you make the most of your pension savings in retirement and in leaving a legacy.

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. Tax relief is dependent on individual circumstances.
Positioning assets efficiently for retirement
Where you save and invest your money can have a huge impact on your retirement income. We can advise you on different investment options and help you manage and diversify your portfolio to help maximise your income in retirement in the most tax efficient way possible.

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.
Income projections and forecasting
Understanding how long your pension pot will last for is vitally important, so you’re free to enjoy a happy and fulfilling retirement. Using our various cash flow modelling softwares, our financial planners can help you understand your likely retirement income from your various sources of income, such as your state pension, private pension and investments. We can also project your possible retirement income if you take advantage of different investment options.

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.

Trust and Estate Planning

This service involves careful forward planning, aimed at helping you to preserve and enhance your wealth for successive generations. In an uncertain world, it’s never too early to start arranging for the future, and our advisers will be keen to ensure you have a clear, sensible and realistic strategy in place. Retaining and protecting wealth requires vision and a carefully thought-through plan. Everyone’s circumstances and requirements are different, but this service may include:

Inheritance Tax planning
A large proportion of your wealth, such as your family home, investments and assets, may need to be sold after you die to meet the Inheritance Tax liability.

You cannot sell the assets to pay for tax, the tax needs to be paid before the assets from the estate are released.

Please note that tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.
Trusts are not regulated by the Financial Conduct Authority.
Discretionary Trusts
Wills can include discretionary trusts that empower a trustee to decide how to use the trust income, such as what gets paid out and how often payments are made. This means assets can be safeguarded for the future or for beneficiaries who lack capacity to manage their own money. Our financial planners can guide and support you as you manage the Trust.

Please note that tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.
Will writing involves the referral to a service that is separate and distinct to those offered by St. James’s Place and along with Trusts are not regulated by the Financial Conduct Authority.
Guidance on gifting
Giving money to loved ones is a popular and effective way of reducing the value of your estate for Inheritance Tax purposes. We can advise you on creating a Gift Plan, so you’re in a stronger position to pass on your wealth to your chosen beneficiaries, such as your children or your favourite charity.

Please note that tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

Tax Planning

These services are provided by FLM Tax Planning Services.

In collaboration with our financial planners, our specialist tax advisers can offer proactive advice on all areas of personal tax planning, including:

Capital Gains Tax (CGT) planning
Capital Gains Tax (or CGT) is an extremely complex tax, charged if you sell an asset for a profit. It’s easy to end up paying too much or be punished for not paying enough, but our financial and tax planners can help you reduce your CGT bill, using options such as holding your shares in an ISA, claiming allowable expenses, making the most of family members CGT allowances and splitting your gains over multiple tax years.

Please note that tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time.
Tax relief is dependent on individual circumstances.
Advice on, and completion of, annual tax returns
With your tax return, you can calculate your tax liability, schedule tax payments and ask for refunds if you’ve been overtaxed. So it’s vital that it’s properly completed with details of your income, expenses and other relevant information. Our financial and tax planners can guide you through the process from start to finish, so you can be confident you’re on top of your taxes and paying the right amount.

Please note that tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time.
Tax relief is dependent on individual circumstances.
Property tax planning including corporate and trust structures
Owning a property comes with various tax implications, depending on whether you own the property personally, or through a corporate or trust structure. Our financial and tax planners can help you make sense of the various rules and regulations that may apply in your situation, what tax allowances are available to you and changes in legislation that may affect you.

Please note that Trusts and tax advice is not regulated by the Financial Conduct Authority.
The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

The FLM tax planning services are separate to those provided by FLM on behalf of St. James’s Place and do not form part of the products and services available from companies within the St. James’s Place group. As such they do not benefit from the St. James’s Place guarantee.

Advice for Women

The family dynamic has changed dramatically in recent decades, and women now increasingly expect and demand financial independence. We can provide tailored financial advice to help you make the most of your money that considers your unique needs and preferences. We are passionate about empowering women to take control of their finances and protect themselves against the societal gender biases that often leave women in a negative financial position later in life. We want to help close the knowledge gap through financial education tailored to women’s unique positions and circumstances.

Responsible Investment Planning

If you’re keen to invest your money in a more sustainable, environmentally friendly, ethical or socially conscious way, our financial planners can show you the many different investment options available, so you can use your wealth to bring about positive change that benefits us all.

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.

Other Services

As part of our holistic service, you may also benefit from our expertise and experience in several other fields:

Insurance and assurance
Insurance and personal protection allows you to protect certain assets for a limited time, while assurance is similar but can last much longer, sometimes up until death. Our financial planners can help you find the products and services that best suit you and your specific circumstances, offering impartial and objective advice.
Asset management
If you want to purchase, maintain and trade assets that could grow in value over time, our financial planners can offer guidance on how to do this effectively and efficiently, and point you towards investment options that reflect your specific priorities and your financial situation.

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.
Mortgages
If you’re a first-time buyer, a home mover or looking to remortgage your property, it’s vital that you have the right mortgage in place. We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender. These reflect your needs and circumstances, from mortgages for buy-to-let investors to intergenerational mortgages for those who want to help their children and grandchildren onto the property ladder.

The home on which the mortgage is secured may be repossessed if repayments are not maintained.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.

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

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FLM give me sound financial advice
and ensure my investments are best aligned.

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FLM enabled me to feel more confident about my finances moving forward, setting me up for long term success.

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FLM always have our best interests in hand.

Our calculators

Helping you plan for your future

Whether you’re wondering if you have enough money to comfortably retire, want to work out how much inheritance tax your family may have to pay, or how much you can save in an ISA, our easy to use calculators will help add clarity to your finances.

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