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Financial Planning
Our process begins by understanding you, your values, and what you want out of life. By understanding your life’s narrative, we can tailor our approach to align with what’s important to you.
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Our financial advice is never one-size-fits-all as every one of our clients has different outcomes they’d like to achieve with their money and time. But it all starts with a plan that fits your lifestyle, aims and goals.
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Establishing your ideal life
Perhaps you want your assets to support a comfortable retirement. Maybe your ideal life is more time spent with family at your dream holiday home. Or it could be quite simply that you want to work less and live more.
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To start your journey to the summit, we’ll work together on identifying your ideal lifestyle, the values you’d like to drive with your assets, and any other goals you’d like your finances to drive you closer towards.
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We take a holistic approach to financial advice, so we’ll assess your financial situation, from annual salary, expected bonuses, household, and family expenses, as well as any home considerations.
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But we’ll also talk about the tough stuff. Things like debt, divorce or repatriation can also impact your ideal life and financial stability, so we’ll work through these with you too.
If this is a new experience for you, don’t worry. We’ll work on identifying these goals together.
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Now we know where we’re going, we’ll work out the journey to get you there. We’re building a bird’s eye view of you, your objectives and where you want to be. We’ll forecast, we’ll discuss, and we’ll revise, together.
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As life changes, so will your requirements. Are children now a priority, or perhaps you have one eye firmly on retirement?
Whether it’s to start a nest egg to cover school fees, starting a business, buying a home or for your golden years, we can redraw the route as your circumstances change.
Planning
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Once we’ve created a plan to get you to where you want to be, we often need to take some action.
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This might mean investing towards your goals, putting protection in place for your loved ones, or restructuring your affairs to make them more tax efficient. Whatever the advice is, you can be sure it will be in your best interest.
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We focus on long-term investment, making sure your assets are helping you move closer to your desired goals, and changing course if your needs change. We’ll meet each year to review what’s been happening in your life and make any course corrections needed to keep your plan on track.
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We also offer repatriation services for UK and Australian nationals, ensuring a tax-efficient and seamless return to your home country.
Advice
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.
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St. James’s Place guarantees the suitability of the advice given by members of Summit Financial when recommending any of the wealth management products and services available from companies in the group.
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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. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.