Preserving wealth

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

Consultation

We help our clients through the process via a series of discussions and face-to-face meetings.

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.

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.

Preserving wealth services

At retirement

Liberty’s expert advice will help you make the most of your retirement plans so you can enjoy a care-free retirement. New flexible rules mean you can access the money in a variety of ways, and we will advise on the most tax-efficient method for you. We can also show you how to pass funds on to family members, helping you with potential Inheritance Tax issues along the way.

Tax planning

Effective tax planning is important to the management of your wealth. From tax-efficient savings wrappers to pension planning, we help you understand the tax reliefs available to you and ensure that you make the most of them. If you have more than one property, you’ll need to think about Capital Gains tax, and your Liberty adviser can help you through that as well.

Protection

The 2020 pandemic has shown the importance of protecting you and your family from financial loss and hardship. If ill health or job loss strike, what income will you have? There are a variety of plans that protect against long-term unemployment, disability and critical illness, and we can help you choose the right one. And if you’re worried about Inheritance Tax, there’s also a plan to protect your estate from that – just ask your adviser.

Long-term care

The cost of long-term care in older age is a significant worry for many families. Effective financial planning can enable you to independently meet the cost of ongoing care, and retain the freedom to make choices about your health, medical treatment and where you live. Liberty can help you do this in the most tax-efficient way with an eye to retaining as much of your wealth as possible to pass down to the next generation.

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. The value of any tax relief depends on individual circumstances.

April & Bill Goudie - Liberty clients
“Lee has always given us sound advice on our investments and has delivered on our retirement finance expectations thus far. He is welcomed into our home for meetings as a friend and is always interested in us and the things we've been doing. Lee now also helps one of our friends, and Lauren, his daughter, acts for our son. We would recommend this friendly, professional, family run company to anyone.”
Kirstin & Mark Ayres - Liberty clients
“Chris has given us invaluable help with our pension and retirement planning. He is very professional and hugely knowledgeable. We are confident that our finances and retirement plans are in good hands and are on track.”
Past performance is not indicative of future performance.
Related
services

Transferring wealth

Depending on your financial situation, you may 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 to help with a significant purchase such as a car or family holiday.

Other services

We have the in-house expertise and access to professional specialists to support you in your wider financial planning needs, from trusts and tax advice to portfolio management services.

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 managed. At Liberty, our initiative is to promotes discussions about money and family finances between the generations.

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

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