Growing wealth

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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 advise accordingly.

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.

Growing wealth services

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.

Retirement planning

Planning is crucial in securing how and when you retire. Your Liberty adviser will start by establishing your desired retirement age, how much you need to live on, any other income coming in, any workplace pensions and what your State Pension will be. If you need to top this up with investments, savings or private pension, we’ll make sure they are carefully managed, with recommendations for suitable changes as the years go by. If you have several small company pensions, we can review them to check if they are working as hard as they can be for you. When the time comes to retire, there are now multiple ways of taking regular income or lump sums. Your Liberty adviser will be there to help you receive the maximum from your pot. And don’t forget it’s never too early to start. Setting up a pension for children or grandchildren has become a financially-savvy way to pass down wealth and help the next generation get ahead with their own retirement.

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.

Linda and Martin Byas
“We have been clients of Lee and his team at Liberty for several years, and have always found them to be professional, very helpful and genuinely nice people. On the rare occasion they are unable to help, they will find someone who can. I would highly recommend Liberty to anyone looking for financial or investment advice.”
Audrey and Robert Tidd
“We have always been made to feel part of the Liberty family, with all members of the staff treating us with the utmost helpfulness and a genuine interest in our needs. We have great faith that our investments are being looked after by Lee and the team and have found it particularly reassuring to have Lee there to talk during the Covid-19 lockdown.”

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Other services

We either have the expertise or access to specialists who can advise you on a wide range of other wealth management services, ranging from writing wills and tax advice and legal services to advice on portfolio management services, specialist insurance and corporate lending.

Acquiring wealth

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.

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.

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.

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We'd love to talk to you about our services and how we might help.

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