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over 100 years combined experience

Personal planning

Depending on your circumstances, your financial needs are unique

That is why a bespoke financial plan can be the key to a secure and prosperous future. Check all the options on how you can protect yourself, your wealth, your future and be well-prepared for any challenges that may arise along the way.

Take our personal finance health check and receive a your score and personalised report.

What's your furture perfect?

Is your financial plan aligned with your goals?

How much money will you need for retirement?

Start planning for retirement early to ensure financial security in your later years
Take advantage of annual pension allowances available and catch-up contributions to increase your pension pot
Be aware of the lifetime allowance abolishment
Review your retirement plan regularly to ensure it remains on track with your changing circumstances and goals

Are your savings working hard enough for you?

Start early to take advantage of compounding interest, which can significantly increase your investment returns
Diversify your portfolio to future-proof your savings and help towards long-term growth
Take advantage of allowances and wrappers to invest tax efficiently and maximise returns

Are you paying more tax than you need to?

Shelter your money from Income Tax and Capital Gains Tax using tax wrap options
Minimise the Inheritance Tax burden for your family and ensure that your assets are distributed according to your wishes
Use the available allowances and tax reliefs to significantly improve financial efficiency

Is your family's future protected?

Identify areas of risk and opportunity
Create a bespoke strategy that aligns with your family's unique needs and goals
Protect what matters most
Use cash flow modelling to stress test scenarios and key life stages
Mitigate inheritance tax and ensure that your assets are distributed according to your wishes

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.

Your personal personal performance report

Complete our quick and simple health check receive your personalised report in under two minutes!

Range of services

For individuals and families

Through St. James's Place, we provide access to the products and services above.

Your home may be repossessed if you do not keep up the repayments on your mortgage.

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.

*Trusts are not regulated by the Financial Conduct Authority.

**Through SJP's cash management service powered by Flagstone, please note that where a referral is made, the service provided is separate or distinct from those offered by Castell Wealth Management or St. James’s Place Wealth Management.


Get in touch

We offer a no-obligation consultation designed to help you develop a financial plan bespoke to your life goals. Book your consultation today and take the first step towards a more secure financial future.

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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 10/08/2026