Wealth Management Services for business, for family, for life.

How do you start investing? Preparing an investment plan can seem intimidating, especially if you’re not sure what type of investments are right for you! Our Derby based financial planners work with clients across the UK to offer advice on everything from mutual funds and the stock market to Junior ISAs and specialist savings accounts that work for you. With the right advice tailored to your individual circumstances, you can achieve your financial goals.

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.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation

You work hard for your money so it makes sense you want to be able to enjoy it into your golden years and pass something down to your loved ones. Our financial advisors will help you understand gifting, inheritance tax, protection planning and the importance of later-life planning. This means you can make informed decisions that will benefit your loved ones even after you’ve gone.

Every investor is looking for ways to boost their overall wealth, and even the smallest changes in the way your income and investments are structured can offer huge advantages for wealth accumulation. Effective tax planning is not just about saving money today; it’s about planning for tomorrow. We can help you understand what specific tax reliefs and allowances you’re entitled to and which ‘products’ might be most tax-efficient for you (e.g. ISAs, investment bonds, pensions).

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.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Being able enjoy a comfortable retirement is not just about financially forecasting how much money you’re going to need; it’s about understanding what you value, your principles and goals. It’s about taking a holistic approach to prepare you for tomorrow whilst making the most of today.

It has been recognised that the UK’s social care system requires reform in order to meet the changing and increasing needs of an ageing population. New legislative changes have been proposed to change various thresholds and introduce a supposed care ‘cap’ on fees. Despite these changes not coming into effect until October 2023, anybody moving into care is likely to be affected by the changes. The changes are likely to result in a far greater need for financial advice.