Advice in retirement

You may be on the brink of retirement or already well into the next chapter of your life. But regardless of the stage you're at, knowing how to make the best financial plans for your future or preparing the ground for the next generation is hugely important.

Financial planning can be a minefield and difficult to manage on your own. Many of the external factors, such as inflation and taxation are out of your control but there is a surprising amount that can be done to make improvements to your personal arrangements and ultimately meet your financial objectives.

This can be achieved in lots of ways, for instance by maximising the tax planning opportunities available to your loved ones.

Here are some of the most common questions asked by our clients, which may in turn relate to your own circumstances:

  • How can I increase the amount of income from my capital when interest rates may remain low for some time?
  • What can I do to safeguard against inflation?
  • My level of income is no longer reliable or consistent. What can be done to reduce these worries?
  • Knowing when to invest, seems like a lottery. How can you reduce the risk of poor investment performance?
  • I have several different pensions, what should I do with them?
  • Do I need surplus capital in the case of a long term care requirement? What should I do if I want to minimise Inheritance Tax at the same time?
  • I want to gift money to my grandchildren each year for their future education but they are too young to have investments in their own name. What should I do?
  • I am in poor health and need to plan ahead. What alternative is there to gifting?

If any of thee strike a cord with you, get in touch so we can talk about the advice that's available to help with your financial planning.

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 initially invested.

Equities do not have the security of capital which is characteristic of a deposit with a bank or building society.

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.

Got a question?

If you would like to speak to us about a particular issue or wish to find out more about the specialist advice services we offer around financial planning for the retired, please get in touch.