Will writing

Drawing up your Will is one of the most important aspects of a complete financial life plan.

A carefully drafted Will enables you to make the most of all the available tax reliefs, maximises the amount that you can pass on, and ensures your loved ones are not faced with stressful decisions at a difficult time.

If you don’t make one, your assets will be divided according to intestacy rules and next of kin, which may not mirror who you want to benefit from your estate. It is also very important to make sure that your Will is kept up to date – marriage and divorce require new Wills, as do changes in tax laws.

Our carefully-chosen legal service providers can arrange Wills in line with our financial planning, ensuring your estate and your loved ones are comprehensively protected.

Please note that these services are separate and distinct to those offered by St. James’s Place. Will writing, tax advice and legal services are not regulated by the Financial Conduct Authority.

Lasting Power of Attorney

None of us like to consider a time when we are not physically or mentally capable of making decisions for ourselves. But should it happen, a Lasting Power of Attorney is essential to ensure your wishes and affairs are promptly and efficiently carried out.

It’s important to plan this document well in advance. You will need to think carefully who you trust to manage your affairs, and the sorts of decisions you would like made, both about your wellbeing and your money.

We can refer you to specially chosen legal service providers who will sensitively take you through the process, ensuring that the finished document fits in with your Liberty financial plan.

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

Philanthropy & charitable giving

Whether you are considering establishing a charitable trust during your lifetime, or making provisions for a legacy after your death, our philanthropy service can help ensure your charitable giving is both effective and rewarding. We can also provide investment planning for charitable organisations and social enterprises.

Giving a gift of money to someone either during your life time or after, gives away all control over how it’s spent.

A Trust enables you to attach certain conditions to the gift, and ensures the appointed Trustees are tasked with adhering to those conditions.

Trusts are nothing new – they have centuries of basis in law, and have been used as a way of preserving wealth for the benefit of generations to come, as well as undertaking charitable giving.

Our experts have extensive experience in the complex law around setting up well-functioning Trusts. If your Liberty financial plan suggests a Trust may be the way to go in giving away your estate with certain conditions, they will help you through the process in a clear and strategic way.

Trusts are not regulated by the Financial Conduct Authority.