You may have a collection of pensions, savings and investments but don’t know their relative worth or how much financial independence they provide you with. You may be unsure if you are taking the right level of investment risk, or what investment returns you should be aiming for. You might want to devise a strategy to mitigate inheritance tax but are not sure where to start.
This is where Lifetime Cashflow planning comes in. The starting point is an analysis of your current income, expenditure, capital assets and liabilities. By projecting these factors forward, and by making certain assumptions around growth rates, inflation and other variables, we can see the overall effect on your wealth and establish what changes, if any, are necessary so you can meet your objectives. We can then devise an overall plan that can be regularly reviewed to keep you on track.
We have expertise in this type of financial planning and access to industry leading software designed specifically for this purpose.
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.