Planning for a secure future whether for yourself, your family or your business is one of the most important steps you will ever take. It is important to regularly review your financial situation to take advantage of any developments in both your own circumstances as well as in legislation and tax law. If there are changes in your circumstances, such as starting a family, changing jobs, starting your own business or receiving an inheritance, a review of your financial goals and objectives is crucial. Future Wealth Management is a Senior Partner Practice of St. James’s Place Wealth Management, who are regarded as one of the leading wealth management organisations in the UK. We appreciate that you are unique, with your own financial principles, which is why we will tailor the services and recommendations that we make specifically to you. It is fundamental that we get to know our clients well - and they get to know us – so that we are able to work together and forge long-term relationships built on mutual trust and understanding. •Investment Planning •Retirement Planning •Inheritance Tax Planning •Protection for you, your family or your business •Helping you arrange a mortgage or re-mortgage •Tax planning However you picture it, financial independence requires financial planning. It means formulating a coherent, long-term plan for your financial future. Your home may be repossessed if you do not keep up repayments on your mortgage. The value of an investment with St. James's Place may rise as well as fall. You may get back less than you invested. The Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives. Future Wealth Management is a trading name of Future Financial Wealth LLP.