SJP Is your money working as hard as you do?
Discover the power of financial advice. Find an adviser before the 5th April.
When combined with a clear financial plan, making the most of available tax reliefs and allowances can help you create a solid foundation for your family’s future, support a comfortable retirement, and provide a structured approach for passing on wealth.
Make your money work harder for you
There are three main ways to ensure you’re making the most of your reliefs and allowances before the end of the tax year on 5 April 2026.
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ISAs
Save up to £20,000 per year in an ISA, or £9,000 in a Junior ISA, with tax efficient returns. Remember, unused allowances can't be carried over, so consider maximising contributions before 5th April.
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Pensions
Because of the Income Tax relief you get on the money you pay into your pot, a pension - used as part of a balanced investment portfolio - is one of the best ways to save for your retirement. This tax year, until 5 April, you can contribute subject to certain allowances. Tax relief on personal contributions is limited to either up to 100% of your relevant earnings in the tax year, subject to the annual allowance of £60,000, or £3,600 if you earn less than this.
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Capital Gains Tax
Capital Gains Tax (CGT) can be one of the most complex taxes, so it's no wonder people fall into the trap of paying unnecessarily, or end up being fined for not paying when they should.
Save up to £20,000 per year in an ISA, or £9,000 in a Junior ISA, with tax efficient returns. Remember, unused allowances can't be carried over, so consider maximising contributions before 5th April.
Because of the Income Tax relief you get on the money you pay into your pot, a pension - used as part of a balanced investment portfolio - is one of the best ways to save for your retirement. This tax year, until 5 April, you can contribute subject to certain allowances. Tax relief on personal contributions is limited to either up to 100% of your relevant earnings in the tax year, subject to the annual allowance of £60,000, or £3,600 if you earn less than this.
Capital Gains Tax (CGT) can be one of the most complex taxes, so it's no wonder people fall into the trap of paying unnecessarily, or end up being fined for not paying when they should.
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 are generally dependent on individual circumstances.
Why financial advice from an SJP adviser
You have a unique vision of the kind of life you’d like for yourself and your loved ones. With face-to-face financial advice from someone you trust, you can make that vision a reality.
You’ll have access to our range of investment products when you work with a St. James’s Place adviser. Thanks to the expert advice you’ll receive, you’ll know you’re selecting exactly the right products to help achieve the results you want.
How we are trusted
What to expect when you get in touch
An SJP Partner will be in touch to schedule a no-obligation meeting.
When you first meet with us, we’ll spend some time getting to know you. We'll ask you about things such as:
- Your personal and family circumstances
- The money coming in and going out every month
- Your current financial situation – such as any pensions and savings you may have
- If you’ve had any previous experience of investing
- Your goals and ambitions for the future
How can a financial adviser help you?
195% receiving ongoing professional advice from a firm or individual say it helps them reach and stay on track against their goals.
The right financial advice with a trusted adviser can help you build strong foundations for the future; both for yourself and for your loved ones, too.
What impressed Blanche from the start was Danni’s holistic approach. "She asked us: 'What do you want your life to look like when you’re in your 60s?'"
Blanche and Mark Sainsbury,Clients
*Data correct as at 30 June 2025.
**Average rating given to 745 St. James's Place advisers across 43,076 reviews on VouchedFor, February 2026.
Sources
1 The Real Life Advice Report was commissioned by St. James’s Place. On behalf of SJP, Opinium surveyed 8,000 UK adults nationwide between 22 July - 5 August 2025 and refreshed shorter surveys of a further 2,050 UK adults between 28th November and 6th December 2025. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.