Growing Your
Personal Wealth
Where your financial future takes centre stage
In a dynamic world of ever-changing markets and economic landscapes, St. James’s Place investment solutions serve as the compass that charts your course towards financial freedom. Whether you are saving for retirement, planning for a significant life event, or simply seeking to grow your wealth, we are here to help with personalised investment strategies tailored to your unique aspirations and risk tolerance.
At Burt Financial Planning, the portfolio solutions we can access will allow you to spread your investments across a wide range of asset types and choose fund managers with investment styles that align with your interests and ambitions – to create balanced and diversified investments that will reward you for years to come.
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.
ISA
Individual Savings Accounts (ISAs) are a tax-efficient and popular avenue for investing and saving. The current ISA allowance is £20,000, allowing you to invest in either cash or a range of investments within that limit.
Reliable financial growth requires a well-diversified and balanced portfolio, a principle we stand by. Our regular face-to-face client reviews ensure your investment mix stays in tune with your evolving needs, financial objectives, and market opportunities – to maximise your potential for long-term success.
The value of an ISA with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.
The favourable tax treatment of ISAs may be subject to changes in legislation in the future.
St. James’s Place does not offer Cash ISAs.
Junior ISA
From soaring university expenses to navigating the hurdles of purchasing their first home, younger generations encounter unprecedented challenges in today’s ever-changing financial landscape.
A Junior ISA offers young people a gateway to financial health, wealth and freedom. This investment avenue imparts essential lessons about the significance of saving and provides a flexible and tax-efficient means to accumulate capital. By establishing a Junior ISA with us, parents can take proactive steps towards shaping a robust financial foundation for their children and young loved ones, enabling them to face future financial milestones with confidence and resilience.
The value of a JISA with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.
The favourable tax treatment of JISAs may be subject to changes in legislation in the future.
Unit Trusts
Unit Trusts are a valuable and versatile investment suited for those eyeing medium-to-long-term capital growth and income.
Unit Trusts can be helpful in several financial scenarios, offering the flexibility to optimise your annual Capital Gains Tax allowance, take advantage of Personal Savings Allowances for interest earnings, and even make the most of your received dividends.
Unit Trusts also present pragmatic solutions for parents and grandparents seeking to invest on behalf of their children or grandchildren. However, seeking expert advice, particularly regarding tax implications, is imperative when incorporating Unit Trusts within a trust structure. Our team of certified financial advisors can help.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
Investment Bonds
Investment Bonds provide a straightforward and versatile solution for long-term income, capital growth, and tax planning. They can be onshore or offshore and allow you to effectively spread risk and easily switch between funds, offering the flexibility to adapt your investment strategy as your financial goals evolve.
We are dedicated to guiding you through the intricacies of Investment Bonds to ensure our approach aligns with your financial objectives. Whether you seek steady income, capital appreciation or tax efficiency, our goal is to provide a clear and adaptable strategy that responds to your evolving needs and the dynamic nature of the market.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time and depend on individual circumstances.
If the income taken exceeds the growth of the Bond, the capital will be eroded.
Portfolio Solutions
Navigating the complexities of investing can be challenging. We recognise the importance of selecting investments that are tailored to your specific needs. The investment management approach that we have access to from St. James’s Place provide diversified portfolio solutions designed to align seamlessly with your financial goals.
St. James’s Place Growth Portfolios can assist you in accumulating wealth to achieve capital growth over the medium-to-long term. This selection comprises five distinct portfolios, each calibrated to different levels of risk.
For clients seeking a straightforward approach to wealth accumulation, Polaris provides a fund-of-fund strategy blend of actively and passively managed funds. This option is ideal for those focused on gradual and sustained wealth growth.
Launched in 2020, the InRetirement range is tailored to support clients committing to regular withdrawals or planning wealth transfers. It comprises three fund-of-fund solutions and aims to enhance the likelihood of successful outcomes across various withdrawal rates.
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.
At Burt Financial Planning, we are committed to guiding you through these intricacies to make informed investment decisions aligned with your financial aspirations.
Discretionary &
Stockbroking Services
As part of the discretionary service, a dedicated Investment Manager from Rowan Dartington collaborates closely with you to craft a bespoke portfolio that aligns with your objectives. Once tailored, they actively manage the portfolio on your behalf. Burt Financial Planning will work with them to ensure that your discretionary portfolio complements your broader investment strategy.
The stockbroking services provide expert advice on individual investments, including direct equities, while allowing you the autonomy to manage your portfolio. If you have specific buying and selling preferences, our adept stockbroking team can facilitate a straightforward dealing service to execute your instructions or, where appropriate, make recommendations.
The value of an investment through Rowan Dartington and any income generated may fall as well as rise. You may get back less than you invested.
Burt Financial Planning is committed to providing tailored solutions that align with your financial vision while navigating the inherent risks associated with investment.
Secure Your Financial Future, with Burt Financial Planning
Begin your journey towards financial freedom with Burt Financial Planning. Our dedicated team offers personalised guidance tailored to your unique goals. Take the next step and contact us below to secure a more prosperous future today. We are committed to your financial well-being and are here to help you succeed.
