Protection planning

Most of us know that we need to plan in order to protect the future. But few of us are actually doing anything about it.

The fact is that things have changed. There was a time when looking after your estate was only for the wealthy. Today, anybody can find themselves struggling to grasp the complexities of estate protection and Inheritance Tax, and it’s not solely about Inheritance Tax either.

More than ever it’s vital to consider the whole picture. How does Capital Gains Tax affect you? What would happen if you were to fall ill? Are you prepared for suffering a loss of income?

We can help you to assess your individual situation and requirements, before coming up with a plan to give you the peace of mind you need.

We can ensure that, when it comes to protecting your estate, you get all the help, advice and support you need.

Wills and Powers of Attorney

Let us help you put everything in place to make sure your Will and a Lasting Power of Attorney are in order. These are crucial to effective financial planning, and sound advice is a must.

Protection Planning

The future can be uncertain, but we will help make sure you’re as prepared as possible. We provide advice and services covering all forms of life insurance, critical illness cover and disability insurance.

Professional Trustee Services

St. James’s Place provides a wide range of services and solutions for trustees. We will always discuss matters personally and in detail, and place these on record.

Later life planning

There’s a lot to consider when planning for later life. We can help you with Inheritance Tax planning, making Gifts and funding long-term health care.

Long term care

If you’re concerned about saving for care home fees in the future, or facing the possibility of paying these fees now, St James’s Place can help you and your family sift through the options.

Inheritance Tax

You can mitigate Inheritance Tax in various ways. We will take the time to understand what you need and work closely with top law firms to make sure you’re fully protected.


To create a worthwhile exemption from Inheritance Tax, you need to understand how to make a gift of money or assets. We will take a look at your circumstances and help you to make the most of your gifting allowances.

Estate Administration

When a loved one dies, dealing with their finances can be time-consuming and stressful. We will help you to understand what you need to do from a legal, financial and tax perspective.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

The writing of a Will or Powers of Attorney involves the referral to a service that is separate and distinct from those offered by St. James’s Place. Wills and Powers of Attorney are not regulated by the Financial Conduct Authority.