You may have a collection of pensions, savings and investments but don’t know their relative worth or how much financial independence they provide you with? 

You may be unsure if you are saving enough for retirement or whether you are taking the right level of investment risk, or what investment returns you should be aiming for? 

This is where Lifetime Cashflow Planning comes in. 

We work with clients to create a Master Plan for them, a unique and interactive financial plan that captures their goals and objectives. By providing a fully tailored road map, we can forecast the strength of their current financial position and project that forward into short, medium and long-term. By projecting these factors forward, and by making certain assumptions around growth rates, inflation and other variables, we can see the overall effect on their wealth and establish what changes, if any, are necessary with the aim of meeting their objectives. We can then devise an overall plan that can be regularly reviewed to help keep things on track. 

Our objective is to help our clients achieve their personal and business financial goals by providing them with the right solutions at the right time. 

We do this by: 

• Finding out what is important to you and understanding your life plans 
• Listening to your current and future concerns 
• Analysis of your current income, expenditure, capital assets and liabilities
• Providing face to face meetings 
• Helping you understand how today's decisions affect your future
• Providing expert advice and insight into your finances 
• Our Process further maps out how we work with our clients

As we live longer, planning for 100-year lifetimes could become crucial in helping to secure financial wellbeing in a world worth living in. 

We recognise that everyone’s financial journey is different, that is why our approach to financial and investment planning is based on individual goals. 

To understand these goals and help provide peace of mind throughout your life we work with you in three phases: 

PLAN: A clear plan is key in helping you meet your longer-term goals e.g. a comfortable retirement. 

DESIGN: Designing an investment portfolio that considers your time horizon, your attitude to risk and your capacity for risk. 

REVIEW: Helping you stay on track towards reaching your goals through changing market and personal conditions.

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.