• Utilising all of your family’s available tax allowances, every year where possible
• Arranging your assets in the most tax-efficient manner utilising tax-advantaged investments where appropriate
• Holding dividend and interest-paying investments in tax-deferred or tax-efficient accounts
• Tax-smart wealth distribution strategies, with tax-efficient retirement income withdrawal and estate planning
• Tax-deductible strategies
• Tax-advantaged strategies
• Asset sale tax planning strategies
• Cash flow distribution strategies
• Tax implications for estate planning
• Coordination with tax professionals
• UK and cross-border tax planning*
• Corporate advice
• Asset disposal tax planning
• Full tax compliance and annual filing services*

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.

*Via third-party firms whose services are separate and distinct to those offered by St. James’s Place.

• Pensions and alternative retirement investment vehicles
• Retirement spending capacity modelling
• Drawdown plans and annuities
• Tax mitigation during retirement

• Inheritance tax liability forecasting
• Gifting strategies
• Trusts
• Protection to meet IHT
• Business Relief

Trusts are not regulated by the Financial Conduct Authority.

• Planning, designing and regularly reviewing your bespoke investment strategies
• Access to globally commended funds and fund managers
• Helping to integrate ESG into how your money is manged
• Tax efficient wrappers including pensions, Individual Savings Accounts (ISAs), onshore and offshore bonds
• Global and regional equities
• Fixed income funds
• Property, private assets, and other asset classes
• Bespoke discretionary portfolios*
• Tax-efficient portfolios
• Advisory stockbroking*
• Company sharesave portfolios
• Capital gains tax offsetting and mitigation
• Venture Capital Trusts (VCTs)**
• Enterprise Investment Schemes (EISs)**
• Business Relief Schemes

The value of an investment with St. James’s Place or Rowan Dartington 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.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief is dependent on individual circumstances.

*Provided by Rowan Dartington, the Discretionary Fund management and stockbroking arm of St. James’s Place, which is wholly owned by the St. James’s Place Group.

**Don’t invest unless you are 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.

• Life assurance
• Critical illness cover
• Income protection
• Key person and shareholder protection for business owners
• Accident and sickness cover
• Private medical insurance
• Employee benefits
• Property and high value asset insurance

• Fully managed cash deposit services*
• Available for individuals, businesses, trusts and charities
• Access to specialist private banking solutions
• Foreign currency purchase and exchange services*
• Investment-backed/ Lombard lending**
• Specialist residential mortgages
• Access to commercial mortgages

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

Commercial mortgages are not regulated by the Financial Conduct Authority.

*We can introduce you to the SJP cash deposit service powered by Flagstone, specialist private banking solutions and access to a currency exchange service provided by TorFX, offering foreign exchange and international payment services. These services are separate and distinct to those offered by SJP.

**This service is provided by a lender whose services are separate and distinct to the services provided by St. James’s Place. You must be aware that if the value of your investments fall below a level agreed between you and the lender, or you exceed your overdraft facility, the lender will be entitled to instruct St. James’s Place to dispose of some of your investments to rectify this. By using your St. James’s Place investments as security, you will restrict your ability to withdraw money from such investments. Full details would be provided prior to commencing.

• Intergenerational wealth and family protection
• Complex Will writing
• Lasting Powers of Attorney (LPAs)
• Bespoke trusts
• Probate services*
• Advice for UK Resident Non-Domiciled Individuals and regime reform

The writing of a Will or Power of Attorney involves the referral to a service that is separate and distinct to those offered by St. James’s Place. Wills, Powers of Attorney and trusts are not regulated by the Financial Conduct Authority.

*Probate services are separate and distinct to those offered by St. James’s Place.