Building & Preserving Capital

 

 

During a lifetime clients will need to make decisions about the investment of large sums of money as a result of events like retirement and inheritance. We discuss with clients their attitude to risk, the objectives for the investment and help build an appropriate investment portfolio covering many different asset classes.

Building capital can take a lifetime of hard work and regular saving. To ensure clients have the necessary funds to fulfil their ambitions at key points in their lives we regularly review progress with clients to ensure they are on track to achieve their plans.

We advise on:

•  Individual Savings Accounts (ISA's)

•  Unit Trusts

•  Investment Bonds

•  Offshore Investment Bonds

•  Personal Pensions

•  Existing Pension Funds

•  Self Invested Personal Pensions (SIPP's)

Throughout a lifetime it is not unusual for clients to acquire a portfolio of shares. This can result in complex tax affairs and onerous paperwork. We work with clients to help them simplify this process.

We advise on:

•  Portfolio Management Services

As part of the relationship with clients we will also advise on how to minimise the amount of Inheritance Tax paid by an estate. This will ensure the heirs to the estate inherit as much as possible.

We advise on:

•  Wills *

•  Discounted Gift Plans

•  Gift & Loan Plans

 

* Will Writing is a separate and distinct service to those offered by St. James's Place and not regulated by the Financial Services Authority