Many parents are unaware that if either of them starts to earn more than £60,000 a year, they will have to pay some of their Child Benefit back as a High Income Child Benefit Tax Charge (HICBC). Earning £80,000 or more, means they'll have to pay it all back! Who pays...
Many parents are unaware that if either of them starts to earn more than £60,000 a year, they will have to pay some of their Child Benefit back as a High Income Child Benefit Tax Charge (HICBC). Earning £80,000 or more, means they’ll have to pay it all back!
One of the biggest benefits of saving into a pension is you receive tax relief on everything you pay in up to the annual allowance (currently £60,000 in 2026/27). Discover all the ways pension planing can help ensure you take advantage of any tax benefits available to you personally.
This is a significant and growing problem. In the first half of 2025, the Financial Conduct Authority (FCA) received 4,465 reports of fake FCA scams, with 480 victims duped into sending money to fraudsters. Almost two-thirds of reports came from people aged 56 or...
Time is the most powerful factor in investing. Starting a pension at birth could give your child 50–60 years of growth.
Discover the great reasons for setting up a pension for your child.
In the UK, there are several tax benefits and reliefs that can make home ownership financially advantageous. We’ve put together the main tax-related benefits and rules for homeowners.
One of the common questions we’re asked when giving financial advice, is whether you can give your home away to help reduce inheritance tax.
I’ve always encouraged my clients to take out protection. Working in the financial sector has sadly illustrated the importance of this on several occasions, one tragically recent which touched me personally.
...with growth in new business, funds under management, and in the Underlying cash result, while delivering strong returns for clients. St. James’s Place plc (SJP) issues its results for the year ended 31 December 2025. Mark FitzPatrick, Chief Executive Officer,...
In this latest edition of The Investor brought to you by St. James’s Place, you’ll find insights on navigating today’s investment landscape – from how trusts can support inheritance tax planning, to the renewed potential of emerging markets, to whether gold might have a place in your portfolio.
You’ll also find practical steps to help protect yourself from the rising threat of financial scams, plus guidance on what to consider if you’re thinking about planning for an early retirement.
Our simple, interactive app design has now evolved to our New Online Services, across laptop and tablet views. Giving you the bigger picture and a fresh new look.
In its simplest form, our Visual Cashflow Plan illustrates how much money our clients will have available to spend at anyone time throughout their lives.
SJP records 94.9% retention & strong investment performance for clients, with returns representing 12% of opening funds under management.
Many in their 40s find themselves at a life stage where career, family and long-term planning all converge, creating highly stressful financial pain points. We’ve created a concise midlife money checklist.
One of the first questions most of us ask before proceeding with any service is “How much will it cost?” Unfortunately, unlike solicitors and accountants, financial advisers are unable to offer one-off advice sessions.
Having a strategic plan for drawing retirement income can make a huge difference in both your financial security and peace of mind. Here are the key differences it can make compared to not having a plan.
The decisions you make around your NHS Pension are some of the most important you’ll encounter as there’s no opportunity to change your mind once you’ve taken your pension.
When you become a partner in a law firm – whether a traditional partnership or a limited liability partnership (LLP) – you take on a new level of financial responsibility and complexity. We offer a breakdown of what you need to know relating to the key financial issues you may face.
Imagine finding a lost pension you never knew you had. There are now an estimated 3.3 million lost pension pots, containing £31.1 billion worth of assets, with the average size of a lost pot highest among the 55-75 age group, at £13,620. Find out what happened when my Mum discovered hers!
drive St. James’s Place (SJP) funds under management past £200 billion.
SJP has issued an update on new business inflows and funds under management for the three months ended 30 September 2025.
After more than 30 years in teaching, I made a life-changing decision: I left the classroom to pursue my passion in counselling. It wasn’t an easy choice.
What’s changing and why does it matter? Here’s what you need to know about the new Inheritance Tax (IHT) changes on pensions, coming into force on 6 April 2027, and what you should consider doing before these are implemented.
I recently met with someone who’d been referred to me by one of my clients. One of the questions he asked was could I explain the difference between lifestyle financial planning and lifestyling in relation to his pension.
St. James’s Place plc (SJP) today issues an update on new business inflows and funds under management for the first half of 2025.