Advice in Retirement

Planning your finances in retirement is about making sure your income works for you, not just today, but for the years ahead. Whether you want to maintain a steady income, protect your pension from inflation, or plan for future care costs, we can help you take the guesswork out of financial decisions.

We’ll work with you to explore the options that best match your lifestyle, priorities, and views on risk, so you can enjoy your retirement with confidence.

We can help you with:

Making the most of your capital to provide a reliable income, even when interest rates are low
Structuring your retirement income so it’s sustainable and tax-efficient
Managing investment risk so your money is working hard without unnecessary exposure
Creating a plan that reflects your appetite for risk and aims to last your lifetime
Setting aside funds for future care while minimising potential Inheritance Tax liabilities
Helping you support family members, whether through gifting or alternative strategies that protect your assets

Retirement should be about living life on your terms. Our role is to provide the clarity and confidence you need to make that possible.

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.