Our Services
Simplifying
the complex!
Establishing richer, successful, long-term relationships with clients…
means I’m able to understand their individual needs, helping them plan to achieve their short and longer term lifestyle financial goals.
Gemma Darcy
Director & Chartered Financial Planner
01
NHS Pension Scheme and Benefits
One of our primary areas of expertise is offering comprehensive financial advice to doctors and senior clinicians working within the NHS & private practice.
Our personalised NHS Pension Report service gives an estimate of pension benefits at any given age; full service and Annual Allowance calculations; errors found and corrected; a 7-year remedy period recalculated for both Annual Allowance and retirement DCU, followed by a 30-minute online financial feedback meeting with Gemma.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
Partners & Directors
When you become a partner or a director in a firm or business, you become a senior decision-maker, strategist and often a co-owner. It’s an exciting moment, and the financial rewards can be significant. So it’s a good time to talk through the opportunities and any tax implications of your new position with us.
As a new partner, you may also be reassessing your own personal goals, revisiting your lifestyle plans for the future and we’d be delighted to help.
03
Professionals & Private Clients
Your financial future is in your hands. Expert guidance along your personal journey may help you make sense of when and how you should manage your income and savings.
Whether it be protecting your health or wealth, maximising tax efficiencies, investing for those special occasions or maintaining your lifestyle in retirement. We can guide you towards your financially secure future.
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.
04
Lifestyle Cashflow Planning
Our Visual Lifestyle Cashflow Plan creates a bespoke route map based on key life stages and events, demonstrating the impact of professional advice on our clients’ wealth and objectives. It provides a robust platform to enhance every annual review.
Former Head of Cashflow delivery at one of the largest, privately owned IFAs in the UK, our Cashflow Manager, John Whitehead, helps our clients identify and track key lifestyle and financial decisions to illustrate what impact these may have on their future plans and aspirations.
05
Intergenerational Wealth Planning
If you’d like to know how best to protect your assets from reaching HMRC’s multi-billion pound Inheritance Tax (IHT) pot, we have the answers. After a full review of our clients’ future needs, we help them understand any IHT implications for their descendants. Flexibility is key and we manage succession planning by utilising various tax efficiencies such as gifts, pensions, loan and investments and begin to make changes to their financial plan to address any areas that help reduce the tax burden.
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.
06
Advice for businesses
No matter what type of business you manage, it takes a great deal of hard work and commitment. The pressures can take priority over the time spent on planning both your own and your employees’ financial security. We can help ensure you have the right insurances in place and that they are regularly reviewed. Help with introducing an effective low-cost Benefits and Remuneration Strategy; salary sacrifice and group pension plans for your colleagues and employees; along with pension arrangements and exit planning to enable you and your family reap the rewards from the success of your business.
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.
Exit strategies may involve the referral to a service that is separate and distinct to those offered by St. James’s Place.