Investing a little of your time now to check if your finances are working as hard as you are could save you time and money in the future.

Have you had time to consider any of the following questions?

• Are your personal affairs set up in the most tax-efficient way?
• When do you wish to retire?
• Should you take fixed protection?
• How will current pension legislation affect you?
• Are your previous pension arrangements working hard for you?
• How much income do you need when you retire?
• Have you protected your pension and death benefits for your loved ones?

Whatever financial challenges you face we can help you achieve clarity on your business and personal financial ambitions to achieve the lifestyle you require now and during retirement.

We will take the time to review your current pension plans and work out the impact of recent changes to tax laws on your finances. We will help you to create a robust goals-based plan and we will help keep you on track every step of the way.

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.

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.