As a serving Police Officer you are most likely contributing to your Police pension and looking forward to a long and successful career and eventually a similarly rewarding retirement. But your financial planning doesn’t begin and end with your pension. There are many facets to consider both in terms of developing and managing your investment planning, and putting in place the structures that will help you take care of yourself, and your family after you’re gone. 

First of all, your savings and investment planning. There are a number of options to choose from, such as ISAs, Junior and Adult, Growth and Income Portfolios, the list goes on. We can help you take a detailed look at your investments and help you make your money work for you, whatever your goals. You could be investing as part of your retirement fund, to finance children through university, or any number of other things. 

We take a holistic approach to your financial wellbeing, so other areas of finance like mortgages, pensions for your spouse or partner, and mortgage protection.

Secondly, we can assist you with your estate planning, putting in place the *legal structures that you need to ensure that you can pass on your estate to those people who you cherish the most, whilst reducing your exposure to inheritance tax. That way, we can provide the advice and guidance that you need to make the very best of your financial circumstances.

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.

Your home may be repossessed if you do not keep up repayments on your mortgage. 

The levels and bases of taxation, and reliefs from taxation, can change at any time and are generally dependent on individual circumstances.

*This will involve the referral to a service which is separate and distinct to those offered by St. James's Place.