Later Life Planning

Creating confidence for later life

Protecting your


Tailored advice that sets you up for the future

Life expectancy is soaring, which is great news when it comes to having more time to do the things we love. Of course, it also means we have more to consider when it comes to our finances. By making use of realistic later life planning, you can achieve peace of mind for your retirement and beyond, leaving you free to enjoy everything life has to offer.

Later life planning covers everything from minimising the amount of inheritance tax your beneficiaries will have to pay, to making sure you have the financial framework in place to cover long-term care (for example, if you need to move into a residential care home). Our team of qualified advisers are trained in all aspects of later life planning, with solutions that are carefully tailored to you as an individual. We take into account your unique requirements, goals, and concerns to form a comprehensive strategy, so you can rest assured that all your financial needs are taken care of. Book a consultation with us online and put yourself in the driver’s seat of your future finances today.

How we work

Benefit from later life planning

Strategic later life planning can be used to benefit both yourself and your family members, helping you to retain as much money as possible without losing out unnecessarily to income tax or unexpected future events.

  • Safely make monetary gifts to loved ones across your lifetime
  • Plan your exposure to Inheritance Tax
  • Arrange a pre-set income for life to help safeguard against future events
  • Keep control of your money
  • Delegate money via Trusts (not regulated by the Financial Conduct Authority)
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.

Embrace the future with confidence thanks to later life planning


In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.


Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

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 favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

Make provisions for long-term care

For many, planning for a future that may involve long-term care can feel overwhelming. Our advisers look to provide you with all the relevant information in one place, making it easy for you to understand the options available to you.

Whether you’re wondering how to protect your estate from loss due to funding long-term care, or need to know if you can pay for the care fees (or those of a loved one) for as long as needed, we will help map out a long-term care plan that puts your mind at rest.

There are several avenues that our advisers can help you explore when it comes to financing long-term care, including:


This could be from your pensions and existing savings and investments, or rental income, and might be enough to cover some or all of your care costs.


This could include money you hold in cash, ISAs or other savings accounts. Here, you’ll need to be careful your capital isn’t eroded too quickly as interest rates are currently so low.


Unit trusts, shares and investment bonds are the most common options here. However, caution is required as the investments that offer the greatest potential chance of growth are usually the highest risk, therefore striking a balance will usually be important.

Immediate needs annuities

These are also known as ‘care fee plans’. In return for a one-off lump sum, you receive a guaranteed tax-free income for life – as long as it’s paid directly to the care provider.

Equity release

If you are receiving care in your own home, various options are available here, which all involve borrowing against the value of your home, which will be paid back after you die and when the property is sold.


Letting out your property is a way of receiving an income while also not having to sell it, thus allowing you to pass it on to your loved ones as part of your estate. However, management costs can eat into a lot of your income, and you also run the risk of the property being vacant.

Deferred payment agreement

If you qualify, this enables you to receive a loan from your local authority secured against your home. The debt must then be repaid, plus interest, within 90 days of your death, usually through the sale of the property.

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.

Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration.

Embrace the future with confidence thanks to later life planning

When you come to us for advice on later life planning, you are taking a step towards a brighter future that offers more security and less uncertainty.

Our advisers will work with you to devise a later life strategy that will help you feel confident about your future, and the future of your finances. Although none of us can know what the future holds, it’s our aim to help you feel assured in the decisions you do have control over.


What is SOLLA – The society of later life advisers?

Established in 2008, SOLLA is a not for profit organisation dedicated to higher standards and accessibility to regulated financial advice for older people and their families. SOLLA members help with all later life financial matters. They can ensure you have the peace of mind that you are making the right financial choices to secure your future. All SOLLA later life advisers specialise in the financial needs of older people.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.


Want to find out more?

Get in touch today to see how one of our advisers could help you.





Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at

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