What if you could retire earlier or with more income than you thought possible?

Many families face uncertainty when it comes to their financial future. Without a long-term financial plan, it's easy to feel overwhelmed and unsure of how to achieve important goals such as saving for education, buying a home, or retiring comfortably.

Your family can have peace of mind and take control of your financial situation. With a clear plan in place, you will feel confident in your ability to achieve your goals and navigate life's uncertainties better prepared. A Financial Adviser can help identify areas of risk and opportunity, and develop a bespoke strategy that aligns with your family's unique needs and goals, providing a sense of security and stability for the future.

Smart Ways To Minimise
Your Taxes And Maximise Your Income And Assets

Tax-efficient savings for your family

A smart investment strategy can provide a head start in life for your child when they reach a certain age. Saving options like Junior ISAs and pensions can provide a tax-efficient way to potentially grow your child's money over time. It may also help mitigate an Inheritance Tax liability.

Passing wealth: the importance of inheritance tax planning

By taking advantage of available tax-exemptions and allowances, you can minimise the tax burden for those you love and ensure that your assets are distributed according to your wishes.

Planning in case you need long-term care

Planning for long-term care can be a complex and overwhelming process, particularly when families lack experience and readily available guidance. Whether you are saving for future care home fees or facing immediate payment requirements, our team of specialised professionals is here to work with you in developing a financial plan that ensures financial concerns do not overshadow the time when your loved one needs help.

Lower the tax burden on your income

By taking advantage of tax-efficient investment strategies, you can significantly reduce your tax liability and ensure that your income is working harder for you. We can help you navigate the complex world of tax planning, ensuring that you are taking full advantage of all available tax breaks and allowances.

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 is generally dependent on individual circumstances.

Learn More About Our Tax Allowances
And Prepare For The Key Moments Of Your Life

We can provide a financial report that offers a comprehensive analysis of your financial journey, assisting you in planning for a secure future. By carefully considering significant financial milestones throughout your family's lifetime, including children's education expenses, retirement plans, income sources (both active and passive), and investments, our calculations projects your assets and monthly income. This report provides valuable insights into your financial standing, enabling you to make informed decisions and achieve long-term financial stability.

Simulation for a family with two children.

Empowering You To Build A Better Future: Achieving Your Goals, Creating Positive Impact, And Gaining Financial Confidence

Give you confidence and control: We aim to make you feel confident to make informed choices. By working together to create a detailed financial plan, you will gain greater certainty, peace of mind, and security.
Help you to achieve your personal goals: Face-to-face, personalised advice from our expert advisers will help you put a plan in place. This plan will pave the way towards achieving your goals and improve your financial wellbeing.
Enable you to create a world you believe in: Together, we’ll help you use your money to create a positive impact, for people and planet, without detriment to your own personal growth.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

Don't let the demands of your schedule prevent you from achieving your financial goals. Book your consultation today and take the first step towards a more sustainable financial future.

Castell Wealth Management is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. Castell Wealth Management is a trading name of Castell Wealth Management Ltd. Castell Wealth Management Ltd is registered in England and Wales, Number 11639376. Registered Office: 251 Grays Inn Rd, London WC1X 8QT.

© Castell Wealth Management Limited. 2023.

SJP approved as at 24/11/2023

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