Following your growth years, the financial lifecycle begins to mature as both income and capital start to increase, this is the opportunity to truly begin your financial independence. Here, we look to formulate a holistic strategy for increasing, protecting, and preserving wealth, this is achieved through mitigating tax alongside a distinctive approach to investment. It is at this stage that the foundations for retirement are set in motion.

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 is generally dependent on individual circumstances.