Wealth Management
Expert coordinated wealth management advice creating the right strategy for you as an individual
Expert coordinated wealth management advice creating the right strategy for you as an individual
Wealth Management is about creating the right investment and planning strategy helping to secure your future financial well-being. That path needs to be tailored to you, at your stage of life, personal requirements and understanding your aims, family and finances. As a team of listeners, Stroud Wealth Management offer bespoke advice and support for each client backed by the reputation and investment expertise of St. James’s Place.
Wealth Management is an incredibly broad term, especially if you have previously considered income, investments and savings as separate entities.
Wealth management should provide a coordinated or holistic plan for all aspects of your affairs throughout your life. For a successful relationship, you have to trust your wealth manager implicitly and there has to be empathy with your aspirations. Only in this way can you create a successful strategy for your financial affairs.
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.
Since being introduced in 1999, ISAs have proved one of the most popular and tax-efficient ways to save and invest for the future. In his March 2014 Budget, the Chancellor sprung a welcome surprise when he announced sweeping changes to ISA regulations, designed to encourage people to save more by offering bigger tax breaks and greater flexibility.
The ISA allowance remained at £20,000 for the tax year 2024/25, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.
St. James's Place draw on the expertise of some of the world’s top investment professionals to manage its ISA funds, and match the risks you are prepared to take with a well-diversified and balanced portfolio to create an appropriate strategy to aim for income or capital growth. Through regular reviews they adjust the mix to reflect changing needs and markets.
Key Investor Information Documents
Before investing in a Unit Trust via an ISA, it is important that you read our Key Investor Information Documents and Supplementary Information Document.
The value of an investment with St. James's Place will be directly linked to the performance of funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The favourable tax treatment given to ISAs is subject to changes in legislation and may not be maintained in the future.
When low levels of interest are being paid on bank and building society deposit accounts, many long term investors look for a better return on their investments. They are also concerned that the income they receive will fail to keep pace with inflation.
The St. James's Place Investment Bond is one solution to this problem. It offers a simple yet flexible solution to income, capital growth and tax planning needs by offering access to a wide range of asset classes, as well as a range of benefits designed for simplicity and tax efficiency.
Investment Bonds are long-term investment products which allow investors to spread risk and allow easy switching between funds as their needs change over time.
The main benefits of the St. James's Place Investment Bond are:
Please contact us for advice.
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. Equities do not provide the security of capital associated with a deposit account with a bank or building society.
The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.
The younger generation are facing new and difficult financial challenges as they grow up in the modern world. University tuition fees, the challenge of finding a deposit on a first house and, further ahead, the prospect of having to work longer and make provision for an income in retirement. In 2011 Junior ISAs replaced Child Trust Funds (CTF). For children born between 2002 and 2011, they would have had a CTF. These can be transferred into a Junior ISA.
The St. James's Place Junior ISA can help give youngsters a head start and an introduction to the importance of saving. It provides a flexible and tax-efficient way to build a capital sum to help secure the financial future of your children.
It can help them access a good education, open up opportunities and help them get established when they grow up. Starting to save money now might be the difference between whether or not they can afford to do what they would like when the time comes.
Key Investor Information Documents
Before investing in a Unit Trust via a Junior ISA, it is important that you read our Key Investor Information Documents and Supplementary Information Document.
You should be aware that an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise. You may get back less than you invested.
The favourable tax treatment given to Junior ISA is subject to changes in legislation and may not continue in the future.
Rowan Dartington is the discretionary fund management and stockbroking arm of St. James’s Place, and provides a range of additional, complementary wealth management services.
You may have an existing share portfolio that might benefit from a different and professional management approach, or you may be seeking additional diversification within your overall investment strategy. Working together with Rowan Dartington, we can create and manage a bespoke share portfolio designed to match your risk profile and meet specific investment needs or preferences.
The range of services also includes facilities for those who want to realise proceeds from shareholdings, perhaps for reinvestment into alternative tax-advantaged and professionally managed investment solutions. Additional support is available for investors who need help in managing tax liabilities on capital gains on the disposal of shares.
The value of an investment through Rowan Dartington and any income generated 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 dependent on individual circumstances.
Unit Trusts are a useful investment as they can accommodate the tax advantages extended by ISAs, providing the opportunity to benefit from a stock market investment without further liability to Income or Capital Gains Tax.
They are often seen as a crucial component of a stocks and shares ISA and offer a range of other benefits to investors. Unit trusts can provide a range of solutions for medium to long term capital growth and income.
As part of a focused tax planning exercise, unit trusts can provide investors with the flexibility to use their annual Capital Gains Tax allowance. Furthermore, when used in conjunction with a Trust* they also offer an alternative solution for investments on behalf of children.
Key Investor Information Documents
Before investing in a Unit Trust, it is important that you read our Key Investor Information Documents and Supplementary Information Document.
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 and is dependent on individual circumstances.
* Trusts are not regulated by the Financial Conduct Authority.
Offshore investments are often an attractive option to people where a parent has provided capital to a minor, or for those who can expect their marginal rate of tax to fall. They are also of benefit to investors entitled to an age related allowance, or expatriates investing while non-resident.
St. James's Place offers a range of offshore solutions via a range of international investments designed for investors wanting to invest regularly or as a one-off lump sum into a range of asset classes and currencies.
These investments are set up to:
For further information, specific to your circumstances, please contact us to discuss your requirements, as the information presented is based on existing legislation and HM Revenue & Customs practice and does not amount to tax planning advice. Any potential investor who is unsure of their tax position is recommended to take advice before investing.
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.
Currency movements may also affect the value of investments.
The levels and bases of taxation and reliefs from taxation can change at any time and is dependent on individual circumstances.
Whether you are looking to invest for income or growth, as a Partner Practice of St. James’s Place we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals.
St. James's Place's carefully constructed, risk-rated portfolios enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles to create a balanced and diversified investment solution.
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.
Get in touch for no obligation advice.
