SJP Secure your legacy

There’s a certain peace of mind that comes from knowing you’ve been making the right financial decisions throughout your life.

We can help you to feel the benefits of your smart financial planning now and secure the legacy you’ll leave when the time comes.

Enjoy the rewards you deserve
Enjoy the rewards you deserve

Life is for living, and now’s the time to make the most of your decades of hard work and sensible financial decisions. We’ll help you reap the rewards, with the aim that you don't run out of money.

Discover your options
Help with managing care fees
Help with managing care fees*

Sadly, there’s a chance that you or a loved one may need long-term care one day. The fees for this can be high and may eat into your savings. We’ll help with the planning and managing of costs, should they arise.

More on later life
Leave the legacy you want
Leave the legacy you want

You may want to help family now. You may prefer your loved ones to inherit as much as possible, or to support a cause you care about. Whatever you wish, we’ll make the best plan to secure your financial legacy.

Creating a financial plan

By the numbers:

£ 3000

A year is the amount you can gift tax-free to loved ones.

£ 1 m

The amount you and your spouse or registered civil partner could pass on tax-free.**

£ 45897

Per year is the average cost of residential care in the UK.***

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

This may involve a referral to Care Sourcer, a comparison and care matching provider, whose services are separate and distinct to those offered by St. James's Place.

**This calculation is based on 2 x £325,000 inheritance tax allowances + 2 x £175,000 main residence allowances. The main residence allowance is available when you pass your main residence on to a direct lineal descendant.

***Source UK Care Guide, accessed December 2023, ukcareguide.co.uk

One-to-one financial advice

You’re looking for advice from someone impartial. You’ll get sensitive, practical help planning for later life from the financial advisers in our community.

Find an adviser
SJP Approved 05/04/2024