No two clients are ever the same – some are seeking help with a specific challenge such as inheritance tax planning or retiring while others want a full financial plan that takes into account every aspect of their finances. It always starts with a conversation. I’ll get to know you and learn about your aspirations for the future as well as your individual circumstances and you’ll find out how I can help you and what I can offer.

All of my advice is guaranteed by St. James's Place. If our service isn’t right for you, there is no obligation to take it.

In particular, I can help you with:

• Planning for retirement – making the most of pension allowances, managing the annual and lifetime allowance, and taking an income in retirement
• Estate planning and Inheritance Tax – passing on an inheritance to the next generation and managing an Inheritance Tax bill
• Tax-efficient investing

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value can therefore go down as well as up. You may get back less than the amount invested.

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.