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St. James’s Place news
Navigating the Spring Budget: opportunities for tax efficiency and financial planning
The latest Budget announcements carry significant implications and remind us of the continuing relevance of some unchanged provisions. For individuals and businesses alike, understanding the intricacies of the Budget and leveraging the changes for tax-efficient financial planning is crucial.
How you can beat the 60% tax trap
If you’re a higher-rate taxpayer, you might end up paying more tax than you bargained for. If you’re earning between £100,000 and £125,140, the tapering of the personal allowance means you could end up paying 60% tax.
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Christmas gifting – your tax tips
Gifting cash, or gifting assets is a present that keeps on giving. It’s practical, thoughtful – and it can make so many things possible. A cash gift could pay for a family holiday, cover extra days at nursery for a new grandchild, or it could start a savings pot that will make a dream come true.
Planning your retirement is the single biggest reason for seeking advice
Retirement planning is the nation’s single biggest reason for seeking financial advice. One in three over-44s will actively seek advice on planning retirement in the next six months.
Taking care of loved ones: expensive mistakes to avoid when gifting to friends and family
High-earning sportspeople may make supporting friends and family a financial priority. But there are many things to consider when gifting wealth, so it’s important to take advice.
Taboos around vulnerability hold half of us back from asking for support when we need it most
More than one in two of us will face situations of increased financial vulnerability in our lives. Yet, according to Chapter 4 of SJP’s Real Life Advice Report, more than half of us shy away from asking our financial advisers for support when we’re struggling.
The tax benefits of owning a home
Your home is probably the biggest single purchase you’ll ever make – and it’s often your most valuable asset. But being a homeowner also has key tax benefits – both in the long and short term – for you and your family. In this article, we’ll look at some of the tax advantages of being a homeowner – some you may know, and some you might not be aware of.
US election: What does Trump’s victory mean for markets?
Donald Trump’s policy promises such as increased tariffs could cause inflation to rise. We expect to see short-term market volatility, but do not act on speculation. We remain anchored to our long-term investment views.
What is protection and why do I need it?
Protecting your family is often low on a busy to-do list, yet it’s a fundamental part of any family’s financial plan – and financial resilience. Financial protection such as insurance cover helps ensure that you and your family will be able to maintain your lifestyle and safeguard your savings, should the worst happen.
Understanding what the Autumn Budget means for you
Rachel Reeves has delivered her first Budget as Chancellor, and the first Labour Budget in 14 years. It brings some clarity and certainty following many weeks of speculation. The Government has had to balance a challenging fiscal situation with a plan to invest for the future and for growth.
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