* These are FLM 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.
**Don’t invest unless you’re prepared to lose all the money you invest. This is a high‑risk investment. You may not be able to access your money easily. The legislation and, as a result, the tax treatment will depend on individual circumstances, may change in the future and could apply retrospectively.