Maintaining your lifestyle

Growing and preserving capital is likely to be central to supporting the lifestyle you enjoy; the comprehensive and diverse range of investment funds available, and managed using the St. James’s Place investment management approach, provides the wide choice of solutions with the aim of generating the capital growth or income you need to maintain your financial freedom.

St. James’s Place also have a choice of Growth and Income Portfolios with a range of investment objectives. Alternatively, for those seeking additional diversification or a more active role in their investment strategy, Rowan Dartington, the Discretionary Fund management and Stockbroking arm of St. James’s Place, offers a complementary, bespoke portfolio service.

We also offer access to a range of specialist alternative investments for
clients who have particular estate and tax-planning requirements.

The value of an investment with St. James’s Place or Rowan Dartington may fall as well as rise. You may get back less than you invested.

Protecting your assets and estate

Protecting your estate for the benefit of those closest to you requires complex decisions and solutions, especially for individuals with substantial wealth and interests. Whether during your lifetime or upon your passing, to family members or charitable causes, we can help you establish the right planning to protect and pass on assets and wealth in the most tax-efficient manner.

Furthermore, in conjunction with WPA, St. James’s Place have developed a generation-spanning Family Healthcare Plan which enables you to insure your entire family. We also offer specialist life insurance broking to meet the specific, often unique, needs of our private clients. Our dedicated insurance risk audit aims to ensure that all tangible assets, liabilities, and personal well-being, are sufficiently covered, whether for individuals, trustees or business owners.

The levels and bases of taxation, and reliefs from taxation, can change at any time and will depend on individual circumstances.

Trustee services

Trusts and foundations and companies play an increasingly important role in wealth management for individuals, family offices and businesses. As part of your strategy, we can help you with succession planning, tax mitigation and asset protection, as well as facilitate a range of specialist investment structures.

We offer exclusive access to highly-experienced and professional legal and fiduciary services from Genus Trust Company, who are based in Jersey – a jurisdiction with a long-established reputation for client confidentiality and one of the world’s most politically-stable and respected financial centres.

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 reliefs depends on individual circumstances.

Trusts are not regulated by the Financial Conduct Authority.

Please note that the services provided by Genus Trust Company are separate and distinct to those offered by St. James’s Place.

Philanthropy

Whether you are considering establishing a charitable trust during your lifetime, or making provisions for a legacy after your death, the St. James’s Place Philanthropy Service can help ensure your charitable giving is both effective and rewarding.

In conjunction with the Charities Aid Foundation, we can also offer referrals to expertise covering:

• trust arrangements and long-term gifting strategies
• legacy arrangements for Wills
• offshore facilities for UK resident non-UK domiciled clients and an American Donor Fund if you pay tax in the US and the UK.

We can also provide investment facilities for charitable organisations and social enterprises.

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.

Trusts and Wills are not regulated by the Financial Conduct Authority.

Private banking services

We can open the door to an exclusive range of solutions specifically designed for clients with more sophisticated banking, lending and deposit requirements. We will work with the St. James’s Place Private Banking team to understand your current and future needs as well as your servicing preferences in order to create a solution that suits your individual circumstances. Through relationships with carefully-selected Banks, we can offer access to:

• private banking, instant access and term deposit facilities
• an online cash management solution for both personal and corporate cash balances (for deposits in excess of £50,000)
• bespoke credit facilities, trustee and offshore accounts and foreign exchange specialists.

Specialist lending solutions may also allow you to secure borrowing against your eligible St. James’s Place investments, providing a short-term loan facility and avoiding the need to encash long-term investments when looking to cover immediate liquidity requirements.

Please note that where your eligible investments are used for this purpose, you will be unable to access your investments against which the lending is secured. If the loan is not repaid in time, the investments may be encashed.

Please note that the services provided by any Banks selected, will be separate and distinct to those offered by St. James’s Place.

Supporting your business

Building a business can be immensely rewarding, but it can be hard to step away from the day-to-day issues. Our specialist advice can help you through every stage of the business life-cycle – start-up, growth, expansion and exit – but most importantly, provide the peace of mind to allow you to focus on the successful running of your business.

We can help you:

• build a tax-efficient remuneration strategy that closely matches your objectives
• undertake an in-depth review of your business and help implement a tailored insurance programme to protect your business from a wide range of risks
• manage short-term cash flow and deposit requirements and identify appropriate financing solutions
• prepare you and your business for exit – including achieving financial independence — or reduce the hours you spend running your business.

Business exit strategies planning may include the referral to services that are separate and distinct to those offered by St. James’s Place.

IHT planning

We put plans in place for when we pass however, without good advice and careful planning, HM Revenue and Customs could be the biggest beneficiary when you pass.

Inheritance Tax (IHT) goes much further than you might think. Its impact on a modest estate can be dramatically overwhelming but on a large estate, the impact is significant.

There are a number of ways you can make the best of Inheritance Tax and this is where our guidance and expertise comes into play:

• plan and write your Will correctly, to ensure you save the maximum amount of tax
• transfer assets through prudent use of lifetime gifts
• go on the journey of creating a tax-efficient fund, so that your beneficiaries can pay any taxes due without using their inheritance (under current IHT legislation, pensions can play a considerable role here)

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 initially 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.

*Will writing involves referral to a service that is separate and distinct to those offered by us. Wills are not regulated by the Financial Conduct Authority.