Is your family wealth in order so that when the time comes, your financial affairs are not a burden on your family? Inter-generational Wealth planning allows you to plan your families inheritance and benefit from seeing them enjoy it while your still able to. Are you saving for a rainy day? How are you protecting your saving against inflation? Investments can potentially offer higher returns and help to combat inflation. What would it mean to you, if you were able to retire when you want, and not when you have no other choice? Retirement planning allows you plan to retire when you are ready and options are available to you. How would you feel if you could no longer financially support your family due to ill health or no longer being around? Insurance is a great way to protect you and your family while you are building up your financial reserves, reducing the risk of financial hardship. Are you buying your first home, remortgaging your current family home? Interest rates change all the time, we are able to give you access to the latest rates which could help you get your dream home. 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. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. Taxation rules can change at any time and are dependent on individual circumstances. 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 titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.