Investment Planning
Why is Investment Planning Important?
You already know that you need your money to work for you.
But maybe you are not sure who’s financial advice you should take, and how do you know you can trust us?
Finding a professional adviser who is authorised and regulated by the FCA is a good place to start. You can search the FCA register to find a financial adviser who is qualified to offer regulated financial services and financial planning advice.
Understanding Your Goals and Risk
If you have a lump sum, or would like to save regularly, or you just want a second opinion on your current investments, then we can help.
We make sure that your investments are working towards your goals, and you are taking an appropriate amount of risk.
Investment planning is a key part of ensuring that your future goals can be achieved. However, we believe that you should be asking yourself some fundamental questions right now.
Questions to Evaluate Your Current Investments
- What is the purpose for your savings?
- What is diversification, and how can it help me?
- Have I got investments and want to make sure they are performing well?
- Have I had my pension investment checked?
- Do I know exactly what funds I am invested in?
- Am I being tax as tax efficient as possible with my investments?
And just as importantly, you also need to know what risks you are taking. Placing your money into any old investment might not be the best option when you think about your wider goals and the tax position involved.
Different types of financial products and services come with their own risks and rewards. Understanding these options is essential to making the right decisions.
How We Can Help with Your Investments
Trusted Investment Advice Across the Region
Based in Oundle, Peterborough, we support farming families and rural business owners throughout Bedford, Buckingham, Cambridge, Leicester, Lincoln, Northampton, Oxford, Rutland and Warwick. Whether you're reviewing existing investments or starting from scratch, our regionally focused approach means we understand the local pressures and opportunities that affect your decisions. We provide practical, jargon-free advice to help you take the right action - wherever you are based.
Put simply, we find out about you, your current situation, your goals and then we recommend products and tailor our advice to match your goals.
At the same time, we make sure that your investments are as tax efficient as possible.
So, you might ask if have you already made good investments? If so, then why change?
Well, you probably shouldn’t!
Reviewing and Adapting Existing Investments
When we carry out a review, in the majority of cases, our advice is to retain or adapt existing arrangements.
However, sometimes we find fundamental problems of which people are unaware, or further improvements that could be made.
For planning to truly be useful, we believe we need to examine everything in your estate, not just the money you have invested in stocks and shares.
And it’s often the little things that can make the big difference to both growing and protecting your wealth.
If you're looking to find a financial expert to review your current strategy, we offer a no obligation initial consultation to help you understand what’s already in place and what may need adapting.
Why Should You Talk to Us?
Through St. James's Place we look after your investments for you, and we invest in funds and assets from all around the world, in a range of tax wrappers and structures. Ultimately, we help you by:
- helping you make the right decisions
- making investing more of a science
- providing guidance when times are tough
- freeing up your time
Whether it’s pensions, investments or mortgage-related advice, our advisers offer professional support backed by industry-recognised qualifications and regulated information.
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.
Is lifetime financial planning important?
Yes, it is. Ultimately, we are here to help you achieve your goals, and by working with you we help you to make positive financial actions and well-informed decisions for the long-term.
We use leading-edge financial software to create a plan of your finances and combine this with specialist research and analysis skills to find solutions and strategies that provide you with the greatest benefit.
Long-Term Visual Planning Tools
The software we use shows your finances over the long-term, so you can visually see what the future will look like. You will also be able to see how alternative scenarios, and subsequent decisions can affect the likelihood of achieving your goals.
This helps to answer key questions that you may have, such as “Will I run out of money in retirement?”.
With the support of a financial adviser, you’ll be able to assess a range of financial planning tools and understand how each fits with your long-term life objectives.
Contact Our Chartered Financial Planners Today
So, if you want a to engage with a firm of Chartered Financial Planners who will help you build a plan to reach your goals then please complete our contact form or book a call with one of our advisers on 01832 279170.
You can also search the FCA register to confirm our status and see how our services are regulated. This ensures that the information you receive is both accurate and
trustworthy.
Key investment planning tools
Whether you’re new to investing or already have a portfolio, we can help you understand the types of financial tools available to meet your goals—whether you're saving, investing or reviewing retirement options.
Discretionary Fund Management and stock broking services
These services give you access to a range of financial services and asset classes, offering flexible options based on your appetite for risk and investment goals.
The value of an investment with St. James’s Place or Rowan Dartington and the income from it may fall as well as rise. You may get back less than you invested.