Retirement Planning


pension and retirement advice

We have been successfully managing people’s retirement planning throughout their working life and beyond. We know pensions are just a small part of a big picture, but one that plays an important role in your future wealth.

The significant reforms surrounding accessing and inheriting pensions introduced in April 2015 represent the biggest changes to impact pension legislation in over a century.

Used appropriately, the new rules could make a significant difference to you, your beneficiaries and future generations of your family.

Often a pension fund is the largest investment an individual will ever have, yet without appropriate planning, there is a possibility that people could outlive their savings. The new reforms put more financial control in the hands of the retiree, but faced with more freedom of choice, many people may struggle to make the right decisions.

When the big picture is taken into account, considering pension investment options as well as the three main taxes being Income Tax, Capital Gains Tax and Inheritance Tax, the right retirement income solution for one individual will not be appropriate for another and their beneficiaries.

We offer a complete service from individual pre and post retirement planning, corporate pensions and advice on auto enrolment.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may well 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 and are dependent on individual circumstances.