Later life planning

Together we can develop a plan that will provide confidence and help you meet your long-term financial needs. 

The St. James's Place Later Life Planning Scheme gives you peace of mind by helping you to plan for Inheritance Tax (IHT) and secure an income to help cover any long-term care costs. 

These are some of the points we will look at: 

  • How to make tax-efficient cash gifts to loved ones  
  • Your exposure to Inheritance Tax 
  • Arranging a pre-set income for life to help safeguard against the future  
  • Keeping control of your money 
  • The benefits of using Gifts and Trusts*

The value of an investment may fall as well as rise. You may get back less than the amount initially invested.  

If the income taken exceeds the growth on the Plan, the capital will be eroded. 

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. 

Got a question?

Do get in touch with us if you need a bit more information about these services, or any of our other financial planning advice.