Acquiring wealth

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Depending on your age and life-stage, creating wealth can mean different things, however the sooner you start saving the better.
You may want to pass money onto your children or even start a savings plan for a grandchild, it is never too soon to start tucking a little away.

Consultation

We help our clients through the process using a series of family workshops and consultations. By including your children in the process they become aware how wealth can be distributed and retained down the generations.

Analysis & research

If you decide you wish to continue with the advice process, we will conduct a comprehensive review of your existing arrangements in line with your stated objectives. This may mean contacting existing product providers to establish the exact type of plan you have, its benefits, costs and objectives.

Recommendation & implementation

After completing thorough research, we will meet again to discuss our recommendations to support your current and future objectives.

Acquiring wealth services

Savings

The sooner you start saving, the longer your money has to grow

A broken boiler, a failed MOT, a poorly pet in need of an operation – the unexpected is bound to happen. Having instant access cash set aside makes the difference between stressful and manageable. A regular, structured savings habit spread across a variety of products means you can aim to grow your money while it’s waiting to be used. With the help of your Liberty adviser, personal goals such as holidays, school fees or house moves become more achievable.  Whether it’s essential, regular expenditure, or a last minute emergency, we can help you build up that rainy day fund. Starting a savings habit as early as possible will make life easier for yourself and your family. And Liberty will help make that money work hard for you.

Pensions

A tax-efficient way of saving

It’s never too early to think about paying into a pension, and it can make all the difference between the possibility of struggling in older age, or a comfortable and enjoyable retirement. With the State Pension age moving ever upwards, and the amount paid now barely covering the basics, taking your future into your own hands has never been more important. Workplace schemes are a great first step – depending on how much you put in every month, your employer gives a similar amount up to a certain level, and it is a very tax efficient way to invest. Your Liberty adviser will work with your State and workplace pension forecasts and show you the benefits of topping them off with a private pension. We’ll check if your funds are working as hard as they possibly can for you, and make sure the funds are regularly reviewed.

The value of a pension 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.

Investment planning

Investing in a stock market portfolio is one area where a long-term partnership with an experienced financial planner has the potential to reap exceptional rewards. Where, how and when to invest is daunting for many. Your Liberty adviser will firstly establish your risk profile – finding out how comfortable you are with short term losses for potential long-term gain. Your St. James’s Place funds will be sufficiently diversified aiming to minimise risk and possible loss, and maximise potential growth, in line with your preferences. Your planner will then make sure you take maximum advantage of tax-efficient wrappers for your investments such as an ISA or JISA. And whether investing for your own future or loved ones’, you’ll enjoy regular reviews and advice as your goals change over the years.

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 levels and bases of taxation and reliefs from taxation can change at any time and are generally depend on individual circumstances.

Bob Sharp
"Liberty can provide guidance, care and support in planning one's investments and on-going savings. However, more than this they can help in preparing for your family's financial future with tax reductions and inheritance protection. If you need professional advice but in a friendly, easy-to-understand manner, Liberty is your choice."

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Preserving wealth

Every client’s situation will be unique, however, there are a number of areas we will need to look at to protect your hard earned assets such as a well written Will, understanding any Tax liabilities such as Inheritance Tax.

Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.

Family succession services

Our experience has shown that transferring wealth from one generation to the next can be a rewarding undertaking if it is well thought through and strategically undertaken. Liberty Next is well versed in the challenges that go hand-in-hand with wealth succession.

Transferring wealth

Depending on your financial situation it maybe that you want to pass money over to your Children or grandchildren in your lifetime to help with School fees, getting them onto the property ladder or just helping with a significant purchase such as a car or family holiday.

Growing wealth

Investing your hard-earned wealth involves an important discussion and consultation process with one of our qualified advisers. We will assess your finances, agree your short, medium and long term goals and then invest accordingly.

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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