Planning for Succession: Who will take over the business when you leave? What will happen if you die or become too ill to work? These are questions which are far easier to answer before any problem arises.

Planning for Your Retirement: If your plan for retirement is based on selling your business, how are you going to maximise its value at the point of sale. We work with specialists who can help you in this area as well as aiming to make your pensions and other investments maintain your standard of living at retirement. If your major asset is your skill set i.e. as a consultant, then your business may not be saleable and therefore planning becomes even more important.

Cutting Costs: If you have arranged any borrowing or shareholder/partnership protection from your bank, they may also have arranged life insurance. More competitive cover may now be available.

This can often reduce costs and/or be tailored to cover your actual needs. It is also important to find out if your bank has arranged suitable Trusts*, otherwise tax may be payable thereby reducing the impact of the proceeds at a time when they are needed most.

We also help with pensions and protection for employees (including group health insurance). This helps to retain valuable staff who may be difficult and expensive to replace if they find a better package of benefits elsewhere. The cost of such provision is usually a fraction of the cost involved in replacing or retraining staff.

If you would like to experience our service, where understanding comes first, then please contact our office on 020 7638 2400 to arrange an initial 15 minute meeting.

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.

*Trusts are not regulated by the Financial Conduct Authority.